1 min left

0% read

ZestFinance

Payments

Software

Technology Company

Burbank, California, USA

Founded 2009

ZestFinance Overview

The world's most innovative lenders rely on ZestFinance to do more profitable lending through machine learning. Our Zest Automated Machine Learning (ZAML™) software is the only solution for explainable AI in credit, and we automate risk management so our customers can focus on lending safely to more people.

Our mission is to make fair and transparent credit available to everyone, and we thrive on solving hard problems that have a big impact on people's daily lives. Applying Google-like math to improve credit decisions, we use machine learning and data science to help companies make more accurate credit decisions. The company was founded in 2009 by Douglas Merrill, who was formerly CIO at Google. Currently, ZestFinance is one of the fastest growing U.S. financial technology startups.

We built ZAML to accelerate our mission by powering credit and underwriting at global financial firms. ZAML consumes vast amounts of data to more accurately identify good borrowers, enabling higher repayment rates for lenders and lower-cost credit for consumers.

ZestFinance is determined to hire crazy smart people who are different from each other to create broad thinking, lots of different ideas, and by extension, build the best team possible. We're growing fast, and we're looking for exceptional, caring, "Zesty" people to join our team. Our culture is special to us, and we're proud of it. We thrive on diversity in our workplace, and we offer awesome benefits. If you want to solve hard problems and make people's lives better, talk to us!

Frequently Asked Questions About ZestFinance

ZestFinance is a company in the cryptocurrency and blockchain space. Visit their profile on Crypto News Navigator for details about their services, team, and company background.

ZestFinance has been operating since 2009. You can verify their legitimacy through their official website and social media presence.

ZestFinance operates in the payments sector of the cryptocurrency industry. Compare ZestFinance with other payments companies on Crypto News Navigator to evaluate services, features, and reputation before making your decision.

Before using ZestFinance, research their track record (operating since 2009), verify their regulatory compliance, read user reviews, and understand their fee structure. Never share your private keys with any service, and start with small amounts until you are comfortable with the platform.

Safety depends on multiple factors including regulatory compliance, security practices, and track record. ZestFinance is based in Burbank, California, USA, has been operating since 2009. Always enable two-factor authentication, use strong passwords, and never store large amounts on any third-party platform.

ZestFinance is based in Burbank, California, USA, North America.

ZestFinance was founded in 2009. The company currently has 51 employees.

ZestFinance Details

ZestFinance Tags

More About ZestFinance

Work Model Details

Employees work from physical offices.

Latest from Academy

Altcoins

VSN

XEC

Vision Token Looks Like Ethereum in 2016 and the Pattern Is Eerie

Crypto Vision (VSN) looks, at first glance, like another disappointment, down 79% from its all-time high at around $0.048, with a $172.5 million market cap and thin social buzz. But that surface read misses a pattern familiar to students of crypto's early years. Ethereum spent much of 2016 in a similar funk, repriced down after the DAO hack and written off by most onlookers, even as Homestead shipped and its developer base quietly grew. Vision Chain, Bitpanda's EU-regulated Layer 2 for tokenized assets, went live in March 2026 on the Optimism OP Stack with buyback-and-burn tokenomics built in from day one, infrastructure shipping into a depressed price. The parallel is a framework, not a forecast: the moat is narrower than early Ethereum's, the token is tied to Bitpanda's planned Frankfurt IPO, and adoption has yet to arrive in force. With the DTCC's tokenized-securities trades due in mid-2026, on-chain data, not candlestick charts, will answer whether VSN's setup converts.

Archie DuttonMay 22, 2026

9m read

AUSD Token Survived Three Market Crashes Without Breaking Peg

AUSD is Agora's fully collateralized U.S. dollar stablecoin, backed one-to-one by cash, short-term Treasury bills, and reverse repurchase agreements held in a segregated reserve managed by VanEck and custodied by State Street. AUSD traded around $0.9997 with a market cap near $130 million across roughly 134 million tokens, having weathered three market stress events since its July 2024 launch without a material depeg. Its deepest historical deviation reached $0.9505, a roughly five-cent move that self-corrected, against an all-time high of $1.02 for a lifetime range of about seven cents. Agora raised a $50 million Series A led by Paradigm in July 2025 and filed for a U.S. national trust bank charter with the OCC in April 2026. The token is live natively across more than a dozen blockchains including Ethereum, Avalanche, and Sui.

Mia HallandMay 22, 2026

9m read

Altcoins

LUNC

KAITO

LUNC Exchanges Ranked by Volume, Fees, and What Actually Matters in 2026

Terra Classic (LUNC) has roared back into the top-100 by market cap, but for buyers the bigger question is execution: where to buy LUNC crypto without quietly bleeding one to three percent per trade. It comes down to three inputs most exchanges would rather not advertise - real liquidity depth, the true all-in fee model, and whether the venue runs an on-chain burn. Binance handles more LUNC volume than the next four exchanges combined, offers the tightest slippage, and is the only top-five platform running a large-scale burn tied to its own trading activity. KuCoin is the cleanest alternative with exchange-based staking, OKX has the best maker fees, and Gate.io and MEXC get punished on spreads and features. Jurisdiction rules push US traders onto Binance.US with thinner liquidity. The cheapest venue, the cleanest tax trail, and full feature support rarely sit on the same exchange.

Archie DuttonMay 22, 2026

10m read