Institutional structure
An independent subsidiary, backed by a group
Zantray Transfert is a legally independent company and a subsidiary of BHZK, created within the group’s Programme and Project. It holds its own accounting, governance, contracts and liabilities — and remains distinct from both BHZK and BACCA-BANK.
Reference corporate diagramAgreement and partnership
BHZKParent company and founding structure
Ownership and controlZantray TransfertIndependent company — BHZK subsidiary
International transferPaymentsAuthorised exchangeInternational tradeImport–ExportTechnologyAgent networkBusiness services
BACCA-BANK — Camp-Perrin, HaitiSeparate banking and institutional partner, subject to applicable authorisations
International networkUnited States — Haiti — Caribbean — Europe — Africa — South America — China
Three structures, three legal persons
01BHZKParent and founding structure. It exercises the ownership and control rights set out in the articles and group agreements, and protects the brand, mission and strategy.
02Zantray TransfertIndependent subsidiary. It signs its own contracts, employs its staff, acquires its assets, develops its technology and runs its own operations.
03BACCA-BANKA separate banking and institutional partner in Camp-Perrin. Regulated banking activity remains with the institution authorised to carry it out.
What the subsidiary holds in its own name
- assets
- liabilities
- accounts
- contracts
- employees
- tax obligations
- regulatory obligations
- IT systems
- internal policies
- financial results
Separation of funds
Funds belonging to BHZK are not automatically funds of Zantray Transfert; funds belonging to Zantray Transfert’s customers do not belong to BHZK.
Customer funds are handled in line with applicable regulatory and banking requirements. The existing group account at Bank of America is a BHZK banking relationship: it is not treated as the operating account for customer funds.
What organises the relationship with BHZK
- Articles and ownership documents
- Capital split and control rights
- Intra-group agreements
- Services, funding, shared resources
- Intellectual property
- Brand, logo, domains, software, databases
- Governance rules
- Matters reserved to the parent company