Discover Merlin

 

Founded in May 2021, Merlin was built on a simple belief:


Financial technology should move as fast as the people who use it.

 

We began with a focus on digital wallets, a modern approach to simplifying payments, strengthening security, and enabling financial inclusion across Canada. But as finance evolved, so did we.

 

Today, Merlin stands at the forefront of digital-first financial transformation, helping banks, credit unions, and fintechs transition from legacy infrastructure to secure, intelligent, and connected ecosystems. Our suite of products is designed to unify payments, risk management, analytics, and customer engagement under one adaptive platform.

 

Merlin's Zap APP

 

Zap App: The Next Generation Digital Wallet

 

In today’s fast-moving digital economy, convenience and security must coexist seamlessly. Merlin’s Zap App redefines what a digital wallet can do — combining peer-to-peer payment freedom with advanced fraud protection powered by machine learning.

 

At its core, Zap App is a proprietary wallet designed to integrate effortlessly with virtually any banking system through Application Programming Interfaces (APIs) and a payment switch that bridges the gap between financial institutions and payment gateways. This architecture enables Zap App to handle multiple payment methods, from debit and credit cards to mobile payments, across borders and currencies. Users can send or receive funds instantly, with real-time currency conversion ensuring smooth international transactions.

 

What sets Zap App apart is its intelligence. Built on Merlin’s proprietary ledger, Journal Of Traceable Transactions or JOTT, and the Merlin Zap Anti-Fraud Platform continuously analyze transaction data, timing, amount, and location to detect and prevent fraudulent activity before it happens. The system employs adaptive machine learning and anomaly detection, evolving with every transaction to keep pace with emerging fraud tactics while minimizing false alerts.

 

For users and institutions alike, the result is trust. Every transfer, payment, or top-up is logged on a transparent dashboard that delivers insight and audit-ready reporting. With deployment possible within 90 days of regulatory approval, banks and fintech operators can launch a secure, scalable, and compliant wallet ecosystem quickly.

 

Zap App isn’t just another wallet, it’s a bridge to a safer digital-first future, empowering financial institutions and customers to transact globally with confidence, transparency, and speed.

 

At Merlin Solutions, we design intelligent, data-driven technologies that help businesses grow, adapt, and lead.

 

From digital payments to fraud prevention and operational automation, our solutions are built to enhance performance and unlock new opportunities. Discover how Merlin can power your next stage of growth—securely, efficiently, and intelligently.