Ten phases, in this order
Development follows a progressive method. No phase is presented as a calendar commitment: each one opens once the previous one is delivered.
The ten phases
- 01DesignFounding act, corporate purpose, institutional architecture and reference documents.
- 02Legal formationEntity creation, final articles, ownership and corporate documents.
- 03Banking and financial infrastructureEIN, own account, separation of funds, accounting organisation.
- 04Licensing and complianceMSB status, FinCEN registration where required, Florida Money Transmitter licence, BSA/AML programme.
- 05TechnologyPlatform, KYC, monitoring, customer and agent portals, API and archiving.
- 06USA–Haiti pilot corridorFirst corridor in operation, with payment partners and a controlled agent network.
- 07Caribbean networkDominican Republic, then other states and territories as regulation allows.
- 08Europe and South AmericaProgressive opening of European corridors, then Brazil, Argentina, Chile.
- 09AfricaProgressive build-out of a partner-country network.
- 10China and Asian expansionChina first, then extension to other Asian markets.
Spending, grouped by stage
- design
- formation
- compliance
- licensing
- technology
- infrastructure
- partners
- launch
- expansion
The spending rule
No significant expense is committed without first identifying its purpose, its cost, its supplier and its usefulness to the project.
Initial capital is not set artificially: it is determined after the full budget is established — formation, legal, compliance, licensing, technology, infrastructure, staff, insurance, marketing, working capital and operating reserves.
Zantray Transfert’s institutional design is not a Money Transmitter licence, a FinCEN registration, a banking licence, or an authorisation to operate in a foreign country.
Each regulated activity — money transfer, payments, currency exchange — opens only once the applicable authorisations are obtained, and every country is assessed on its own legal analysis.