Re-Platforming & Modernization
From U.S. Relaunch
to Global Expansion on One Unified Platform
Building Credit Without Borders
Building Credit Without Borders
Zolve helps global citizens build credit from day one when they arrive in a new country, serving customers who start without local credit history and whose financial journeys often span borders. This requires speed, flexibility, and a platform that can scale without fragmentation.
In 2024, Zolve’s U.S. credit card program reached a critical inflection point. Legacy infrastructure and sponsor bank constraints blocked new issuance, limited product control, and prevented Zolve from delivering the day one credit experience its customers needed.
In under 90 days, Brim helped Zolve migrate off a legacy provider, secure a new sponsor bank and relaunch its U.S. program. That same foundation was then reused to launch Canada and position Zolve for expansion beyond North America.
Legacy Infrastructure Becomes the Bottleneck
Zolve had strong demand and a clear value proposition, but its existing setup created systemic risk and stalled growth.
As a result, Zolve could not launch new products, expand confidently, or maintain the operational control required to run a modern card program.
How Brim Delivered
A structured, bank grade approach to migration and operational control in under 90 days.
Outdated technology stacks with minimal API connectivity, making integration slow and resource-intensive.
Cutover Risk Transitions can disrupt service without parallel testing and staged rollout.
Siloed Systems Onboarding, servicing, rewards, and reporting live in separate tools and data sets.
High operational risk during cutover, with the potential for service interruptions and customer impact.
These challenges required a structured, bank-grade migration approach.
Sponsor Bank Constraints
Existing relationships and oversight can restrict or pause new issuance.
Zero disruption migration
Zero disruption migration
- Parallel testing before cutover
- Phased rollout across acounts
- Existing customers remained active
Operational control return
- Brim workflows replaced vendor dependency
- Zolve teams enabled to manage servicing directly
- Disputes and credit actions handled in platform
Proven 90 day delivery
- Full stack relaunch completed in under 90 days
- Bank grade migration experience applied
- Sponsor bank constraints resolved
What was constrained is now configurable.
Cross-Border Expansion Usually Means Rebuilding Everything
From Canada to Global
The same core platform powers the U.S. and Canada, designed to scale market by market.
One Platform, Multiple Markets
Zolve expanded into Canada without creating a second stack or fragmenting its operating model.
One Platform, Multiple Markets
Zolve expanded into Canada without creating a second stack or fragmenting its operating model.
One Platform, Multiple Markets
Zolve expanded into Canada without creating a second stack or fragmenting its operating model.
One Platform, Multiple Markets
Zolve expanded into Canada without creating a second stack or fragmenting its operating model.
“A credit history requirement is a roadblock if you’re new to the U.S. because your record doesn't typically transfer over from your home country. The Zolve Classic Credit Card makes it easier to get started by skipping that requirement. Zolve looks at your potential for future earnings based on information provided during the application process.”
“The Zolve Classic Credit Card reports payments to all three major credit bureaus: TransUnion, Equifax and Experian. These companies collect the information used to calculate your credit scores, so this kind of comprehensive reporting is important when you’re establishing credit in the U.S.”
Melissa Lambarena
Editor
Execution Timeline: Fast Tracking Innovation
- October 1, 2024: Project kick-off.
- November 1, 2024: Completion of regulatory due diligence.
- December 1, 2024: Beta launch in the U.S. market.
- January 15, 2025: Migration of existing customers to the Brim-powered platform.
- March 15, 2025: Initiation of expansion into Canada.
- May 2025: Canada project kick-off (no sponsor bank required due to Brim’s status as a direct Mastercard issuer and principal member).
- June 2025: Beta launch in Canada.
- July 15, 2025: Full Canada launch ahead of the September school year.
- End of 2025 / Start of 2026: Expansion into additional geographies, supporting Zolve’s mission to help global citizens access credit.
Multiple Card Tiers, One Configurable Platform
Multiple Card Tiers, One Configurable Platform
Zolve Black
$29.99/month, Metal Card
High-value rewards for frequent traveller's.
Zolve Black
$29.99/month, Metal Card
High-value rewards for frequent traveller's.
Zolve Black
$29.99/month, Metal Card
High-value rewards for frequent traveller's.
Three distinct product tiers — premium, balanced, and no-frills — each tailored to customer needs through Brim’s configuration layer, designed to capture all demographics and maximize non-interest income.
Brim Enables Zolve To
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Reuse for Canada launch
Same core build, fast path to market
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Live in 90 days in the US
From kickoff to public launch
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Three tiers, one platform
Premium, balanced, no frills
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Hybrid ops model built in
Zolve handles Level 1, Brim covers Level 2 and disputes
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Full program control
Pricing, underwriting, product design
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Lower costs, same value
Merchant funded rewards offset rewards expense
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