Zumi.
AI-powered banking in chat
Zumi lives in Telegram and understands everyday chats, automating bill splits, transfers, and group payments without ever leaving your messenger.
The problem and solution
Chat chaos, manual transfers
AI assistant automates all
Smart, contextual, secure
AI-powered scenarios
Bill splitting
AI scans receipts, auto-splits, sends requests
Group goals
Track group payments and shared pots
P2P transfers
Send money by typing, AI understands context
Analytics
See who owes you and by which scenarios
How it works
AI Layer
Understands conversations and receipts
Bank Partner
Licensed bank in Belarus handles all fiat operations
Token Layer
Loyalty, cashback, and efficient transactions
Telegram UX
Everything happens inside your messenger
Economics: Zumi targets 0.5% transaction fees vs 2–3% in traditional payment chains. All fiat security and compliance are managed by the licensed bank partner. Zumi provides the AI layer and token infrastructure.
For whom
Friends
Split bills and share expenses easily
Families
Manage shared budgets and group expenses
International
Efficient cross-border transfers
Small teams
Expense tracking and reimbursements
FAQ
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