Zengin
Japan’s Zengin System — the domestic yen interbank credit-transfer rail.
Zengin is a same day payment rail routed by KeyBS Pay. Japan’s Zengin System — the domestic yen interbank credit-transfer rail.
Payouts routed through Zengin settle to beneficiary accounts in JP. Where Zengin is available for the destination country, it is the default rail for eligible payouts.
Every Zengin payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a Zengin payout moves through KeyBS Pay
Zengin settles in same day on eligible JPY destinations.
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Frequently asked questions
What is Zengin?
Japan’s Zengin System — the domestic yen interbank credit-transfer rail.
How fast is Zengin?
Same day. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through Zengin?
JP. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on Zengin.
What currencies are supported on Zengin?
JPY is the primary settlement currency for Zengin. Multi-currency corridors are supported where the rail permits.
What limits apply on Zengin?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is Zengin available 24/7?
Real-time rails (others) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate Zengin?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is Zengin regulated?
Yes. KeyBS Pay routes Zengin payouts only through partners licensed for the destination corridor.
Can I get a Zengin settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a Zengin payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for Zengin?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use Zengin for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on Zengin?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does Zengin support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use Zengin most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of Zengin on the KeyBS Pay platform.
Route your first Zengin payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.