Bridging Real World Capital to the New Economy
We are building a hybrid on-chain CeFi&DeFi Ecosystem that bridges real-world capital to blockchain and accelerates the transition to the new DEconomy.
Products Docs
In the News
Infrastructure to Bring
a New Era of Finance

Today, traditional financial markets dwarfs that of blockchain. The global stock market is valued at $95 trillion while the entire crypto marketcap is only about $2 trillion.

Transitioning into the new decentralized economy requires duplicating trillions of capital into blockchain. If only 1% of stocks are locked in DeFi, over $950 billion in capitalization could be added to crypto markets.

Our vision is to expand the crypto market by creating powerful and intuitive instruments that connect people and capital from traditional finance to DeFi
An Open Source
Financial Ecosystem
for CeFi&DeFi
zMorgan
Duplicate Your Capital
on Blockchain

zMorgan is an on-chain platform for stablecoin loans secured by stocks as collateral.

Monetize your stocks without selling them. Unlock the value of your stocks and seize every trading opportunity in the blockchain economy.

How it works
Guaranteed by Smart
Contracts, Escrow
Accounts and Oracles​
$AEDZ and $USDZ
Digital Money Pegged
to Fiat Currency

AEDZ and USDZ are cryptocurrency for everyday use pegged 1:1 to the Emirati Dirham and the US Dollar respectively. Our stablecoins are universal solutions for payments, remittance, banking, trading, and many business applications.

How it works
Token $ZAM
Cryptocurrency for
the New Economy

$ZAM is the native utility token of Zamzam’s infrastructure used to operate and secure our network.

We developed $ZAM as a universal token for CeFi and DeFi that can be used for payments, exchanged, used for stock-backed loan insurance, rewarded, staked, liquidity mining or paying network fees.

Token Supply

888.888.888

Blockchain Network

ETH
BSC
Audit by Certik
About $ZAM
ZamWallet
A safe wallet to store and manage digital assets

- Store, manage, send and receive digital assets at your convenience

- Send crypto by phone number

- Buy, sell, and exchange tokens at ZamEx

- Access ready-made investment portfolios built by trading experts

- Secured by the world's most advanced protection methods

About Wallet
ZamWallet exchange is powered by Binance to provide our users an exceptional experience with high liquidity, smooth performance, and top-tier security
Previous Milestones
Products
Marketing
Business Development
zam.me
me
zamzam
zz
zam.io
io
Products
Marketing
Business Development
Q2
Project Documentation .One
io
Financial Modeling .One
io
Сlosed Pre-Seed Private Sale
zz
Team Formation
io
Q3
Registered as Zamzam Technology LLC
io
Marketing Strategy .One
io
Launched Product Development
io
Release ZamWallet MVP .Beta
io
Published White Paper .One
io
Launch Website .One
io
Q4
Our Team Visited Dubai, Singapore, Switzerland
io
Partnership with Saeed Alhebsi and Jaber Almarzouki UAE
io
Active Fundraising
zz
Q1
Project Documentation .One
me
Financial Modeling .One
me
Business Development
me
Q2
Partnership with Unistream Bank
me
Partnership with QiwiBank
me
Q3
Launch Development App Zam.me for Remittance
me
Marketing Strategy .One
me
Q4
Partnership with WalletOne Bank
me
Our team visited Turkey, Dubai
Q1
Partnership with Best2Pay and MinBank
me
Infrastructure Launch 1.0
me
Q2
Launch Website Zam.me
me
Team expansion
me
Partnership with CONTACT Payment
me
Q3
Closed Testing App Zam.me for Remittance
me
Start of Development of Virtual Bank Cards
me
Partnership with the Federation of Migrants of Russia
me
Q4
Release App Zam.me for Remittance .One
me
Launched Remittance in 8 countries
me
2018
2019
2020
Q2
Project Documentation .One
io
Financial Modeling .One
io
Сlosed Pre-Seed Private Sale
zz
Team Formation
io
Q3
Registered as Zamzam Technology LLC
io
Marketing Strategy .One
io
Launched Product Development
io
Release ZamWallet MVP .Beta
io
Published White Paper .One
io
Launch Website .One
io
Q4
Our Team Visited Dubai, Singapore, Switzerland
io
Partnership with Saeed Alhebsi and Jaber Almarzouki UAE
io
Active Fundraising
zz
Q1
Project Documentation .One
me
Financial Modeling .One
me
Business Development
me
Q2
Partnership with Unistream Bank
me
Partnership with QiwiBank
me
Q3
Launch Development App Zam.me for Remittance
me
Marketing Strategy .One
me
Q4
Partnership with WalletOne Bank
me
Our team visited Turkey, Dubai
Q1
Partnership with Best2Pay and MinBank
me
Infrastructure Launch 1.0
me
Q2
Launch Website Zam.me
me
Team expansion
me
Partnership with CONTACT Payment
me
Q3
Closed Testing App Zam.me for Remittance
me
Start of Development of Virtual Bank Cards
me
Partnership with the Federation of Migrants of Russia
me
Q4
Release App Zam.me for Remittance .One
me
Launched Remittance in 8 countries
me
Roadmap 2021-2023
2021 Q1
Formation of a New Crypto Team
io
Project Documentation .Two
io
Financial Modeling .Two
io
Marketing Strategy .Two
io
Partnership with PayAnyWay
me
Partnership with OpeningBank
me
Zam.me was Valuated at $27mln by FreedomFinance
me
2021 Q2
Attracted 10,000 Users
zz
Infrastructure Launch 2.0
zz
NEW Products Docs .One
zz
Developed $ZAM Token
io
Crossservers Zam.me&Zam.io
zz
Referal and Bonus Program .One
me
Partnership with Interactive Broker
io
Website Update .Two
io
2021 Q3
CeFi Wallet Power by Binance Broker .One
io
DeFi Wallet ERC20, BEP20 .One
io
Cross-Chain Bridge ETH to BSC .One
io
Adding 10 New Remittance Destinations
me
Launch of the USDZ .Testnet
io
Launch of Open API .One
zz
2021 Q4
Investment Portfolios .One
io
Staking Wallet .One
io
DeFi Wallet Add Cosmos, BSC .Two
io
Swap CeFi&DeFi .Alfa
io
zMetaBoard (Dashboard) .One
io
Launch Virtual Bank Cards .One
zz
Web Dapps .One
io
Listing IDO Uni, Pancake
io
Listing IEO Gate.io
io
2022 Q1
DAO Governance
zz
ZamAgileChain .Testnet
io
zMetaBoard .Two (Dashboard)
io
Investment Portfolios .Two
io
Launch off Loans for Migrants
me
Launch of Algorithmic USDZ
io
Integration with Railsbank
io
2022 Q2
Web Dapps .Two
io
Launch of the USDZ .Mainnet
io
Nodes ZAC for Remittances
io
License from the CB of Bahrain
io
Integration with Ripple Net
me
PCI DSS Level 4
zz
2022 Q3
zMorgan Protocol .One
io
ZamEx On-Chain Exchange on ZAC .One
io
Stock Tokenization Release
io
2022 Q4
Adding 10 New Remittance Destinations
io
Launch of Open API .Two
io
Adding Deep Analytics to ZamEx
io
2021 Q1
2021 Q2
2021 Q3
2021 Q4
2022 Q1
2022 Q2
2022 Q3
2022 Q4
2021 Q1
Formation of a New Crypto Team
io
Project Documentation .Two
io
Financial Modeling .Two
io
Marketing Strategy .Two
io
Partnership with PayAnyWay
me
Partnership with OpeningBank
me
Zam.me was Valuated at $27mln by FreedomFinance
me
2021 Q2
Attracted 10,000 Users
zz
Infrastructure Launch 2.0
zz
NEW Products Docs .One
zz
Developed $ZAM Token
io
Crossservers Zam.me&Zam.io
zz
Referal and Bonus Program .One
me
Partnership with Interactive Broker
io
Website Update .Two
io
2021 Q3
CeFi Wallet Power by Binance Broker .One
io
DeFi Wallet ERC20, BEP20 .One
io
Cross-Chain Bridge ETH to BSC .One
io
Adding 10 New Remittance Destinations
me
Launch of the USDZ .Testnet
io
Launch of Open API .One
zz
2021 Q4
Investment Portfolios .One
io
Staking Wallet .One
io
DeFi Wallet Add Cosmos, BSC .Two
io
Swap CeFi&DeFi .Alfa
io
zMetaBoard (Dashboard) .One
io
Launch Virtual Bank Cards .One
zz
Web Dapps .One
io
Listing IDO Uni, Pancake
io
Listing IEO Gate.io
io
2022 Q1
DAO Governance
zz
ZamAgileChain .Testnet
io
zMetaBoard .Two (Dashboard)
io
Investment Portfolios .Two
io
Launch off Loans for Migrants
me
Launch of Algorithmic USDZ
io
Integration with Railsbank
io
2022 Q2
Web Dapps .Two
io
Launch of the USDZ .Mainnet
io
Nodes ZAC for Remittances
io
License from the CB of Bahrain
io
Integration with Ripple Net
me
PCI DSS Level 4
zz
2022 Q3
zMorgan Protocol .One
io
ZamEx On-Chain Exchange on ZAC .One
io
Stock Tokenization Release
io
2022 Q4
Adding 10 New Remittance Destinations
io
Launch of Open API .Two
io
Adding Deep Analytics to ZamEx
io
Core Team
RUS
ENG
TUR
HEB
PER
AZE
Iliya Biniaminov
CEO, Founder
Serial Entrepreneur and founder of 8 companies in the fields of IT, Aerospace, Fintech, Blockchain and Construction with assets capitalisation of more than $100mln.
RUS
ENG
George Gus
COO, Founder, Head of Product
Since 2017 he has been investing in crypto and developing blockchain and financial products. 15 years of experience in product development, marketing and Ui/UX.
ARA
FRA
RUS
ENG
Ayman Sayed
CBO, Co-founder
Serial Entrepreneur, crypto investor and business developer of projects across multiple industries including Fintech, Blockchain, E-commerce, Infrastructure, and Digital Marketing.
RUS
ENG
Ksenia Rayko
Chief Financial Officer
Ex PwC - 6 years of experience in finance, accounting and auditing at a senior level.
RUS
ENG
Mikhail Zhbankov
CTO
More than 15 years in tech development, 6 of which as chief developer. Developed products in HTML, CSS, PHP, Python, C, C ++, Nodejs and Golang - both system software and web backend logic.
RUS
ENG
Alex Belov
CIO
23 years of experience in IT as a developer, system administrator, software architect and cybersecurity expert with extensive expertise working with blockchain and Fintech solutions.
RUS
ENG
Constantine Sorokin
Chief Economist
Ph. D in Applied Mathematics, 6 published works, 4 in writing. More than 4 years of teaching experience. Supported and audited multiple blockchain projects.
ENG
Ali Aoun
CCO
Ex JP Morgan Chase & Co - 8 years of Compliance experience within the Financial Industry in New York and London.
Advisers
ENG
Glenn Grant
Senior Advisor
Former Director at Kraken, Saxo Bank. Glenn has been involved in both traditional and fintech derivatives globally for over 30 years in Europe, Middle East, Asia and the United States.
ESP
FIN
FRA
ENG
Vilma Mattila
Senior Institutional Advisor
Venture Capitalist & Futurist. Incubated/Invested in 40+ Projects including Qtum, Tron & Aleph Zero; Advisor at the EU Blockchain Observatory, World Future Society & UN USA; Member of Singularity University, Ex-EU Lawyer.
ARA
ENG
Said Alhebsi
Supervisory Board (Dubai)
Business Partner and AI Consultant for the Office of the Prime Minister of Dubai. Managing Partner Casa Mobili and Investment partner Alpha Capital.
ARA
ENG
Jaber Al Marzuki
Supervisory Board (Dubai)
Deputy Director at the Ministry of Labor and Social Development Dubai. A partner in the international development company MKG.
Institutional
Technology Partners