zerohash
API infrastructure that lets banks, brokerages and fintechs offer crypto, stablecoin and tokenization products.
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zerohash key facts
| Category | Crypto infrastructure for businesses |
|---|---|
| Platforms | API |
| Company | zerohash llc, Chicago, IL; NMLS ID 1699379 |
| US availability | FinCEN-registered MSB; money transmitter in 53 US jurisdictions; New York BitLicense |
| Pricing | Not published; quoted by a zerohash representative |
| Fees | Set by the platform as spread plus up to 5 fees per order; spread and fees capped at 7.5% in New York |
What is zerohash?
zerohash is infrastructure that banks, brokerages and fintech apps plug into to offer crypto trading, stablecoin payments, on and off ramps and tokenization. Founded in 2017 and based in Chicago, zerohash llc is a FinCEN-registered money services business that can operate as a money transmitter in 53 US jurisdictions and is registered with FINTRAC in Canada.
How zerohash works
A business connects to zerohash through a Platform, the master account from which it creates API keys, webhooks and SDK access.
Its end customers are onboarded as participants, and zerohash handles the regulated parts: it holds the licenses, runs custody and keeps the ledger of each participant's balance. Products listed on its site include embedded buy and sell, staking, qualified custody, on and off ramps, payins and payouts, remittances and a tokenization engine for stablecoins and NFTs.
Custody uses multi-party computation with a 3-of-3 threshold signature scheme, plus a policy engine for address whitelists, blacklists and transfer limits. Client assets sit in segregated accounts, either per wallet or as ledger entries in an omnibus wallet. zerohash trust company llc, chartered by the North Carolina Commissioner of Banks, acts as a qualified custodian for registered investment advisers.
How to start with zerohash
- There is no consumer sign-up.
- A business first talks to zerohash sales or solutions engineering, which creates a Cert (test) Platform where your team can simulate transactions with fake funds, generate API keys and whitelist IP addresses.
- For production you sign up at portal.zerohash.com yourself, verify your email and go through onboarding.
- Separate portals and APIs exist for the US and the EU.
- If you use a zerohash-powered app in New York, some functions are switched off: creating accounts for minors and UMA deposits and withdrawals are not enabled for New York persons, per the docs.
zerohash fees and limits
zerohash publishes no price list. Its pricing page in the docs asks existing customers to contact their zerohash representative and new customers to use the contact form. End users of a partner app pay whatever that app charges, which may include a spread on trades.
Risks to know before using zerohash
- The licensing is extensive: zerohash llc lists money transmitter licenses state by state, a New York Virtual Currency Business Activity license (BitLicense) and FinCEN MSB registration, and its custody page cites SOC 1 Type II, SOC 2 Type II and ISO 27001:2022.
- Its disclosures state that digital assets held by zerohash are not protected by SIPC, the FDIC or any private insurance zerohash carries.
- Custody sits with zerohash, not with you, so access depends on the partner app and zerohash staying operational.
- Its Proof of Reserves API publishes a signed Merkle Sum Tree daily for each asset, but that covers only digital assets zerohash holds for a platform, not fiat, and each snapshot is point-in-time.
zerohash alternatives
Other projects people compare with zerohash.
Regulated trust company that issues stablecoins and provides crypto brokerage and custody for businesses.
Digital asset infrastructure company offering qualified custody, wallets, trading and stablecoin services.
Federally chartered crypto bank offering custody, trading, staking and stablecoin issuance to institutions.
Regulated digital asset infrastructure that fintechs, brokers and financial institutions use to offer crypto.
Institutional platform for digital asset wallets, custody, payments and tokenization, sold on monthly or annual plans.
Digital asset custody and wallet-as-a-service provider offering custodial, MPC, smart contract and exchange wallets.
Where zerohash ranks on DappAtlas
Listed next to zerohash
- Gemini Crypto exchange
zerohash pros and cons
- Money transmitter coverage in 53 US jurisdictions
- Holds a New York BitLicense
- One API for buy and sell, staking, payouts and tokenization
- Business-only; no direct consumer accounts
- Pricing is not published as a rate card
- Custody sits with zerohash, not the end user
zerohash FAQ
What is zerohash?
zerohash is infrastructure that banks, brokerages and fintech apps plug into to offer crypto trading, stablecoin payments, on and off ramps and tokenization. Founded in 2017 and based in Chicago, zerohash llc is a FinCEN-registered money services business that can operate as a money transmitter in 53 US jurisdictions and is registered with FINTRAC in Canada.
How much does zerohash cost?
Set by the platform as spread plus up to 5 fees per order; spread and fees capped at 7.5% in New York, according to zerohash’s own page (checked Oct 1, 2026).
Is zerohash available in the US?
FinCEN-registered MSB; money transmitter in 53 US jurisdictions; New York BitLicense, according to zerohash’s own page (checked Sep 26, 2026).
Does zerohash hold my funds?
Yes. zerohash is custodial: it holds the keys to your balance.
Sources
- zerohash: official site
- zerohash: US Licenses and Disclosures
- zerohash Docs: Custody
- zerohash Docs: Pricing
- zerohash Docs: Transaction Fees
- zerohash Docs: Get Platform Access
- zerohash Docs: Proof of Reserves
- zerohash Docs: Restricted Endpoints for New York Participants
- zerohash Help Center: US Licenses and Disclosures
- zerohash: Homepage
How this page works
Sources: zerohash: official site, zerohash: US Licenses and Disclosures, zerohash Docs: Custody. Data as of Oct 1, 2026.
Not affiliated with any project listed. Educational content, not financial advice.