Zūm Rails is a software that provides solutions for instant payments and open banking. It mitigates the risk of fraud, aggregates KYC data, and offers an unparalleled experience for the end-user. The software creates a faster and more efficient payments process by eliminating the unnecessary lag time of financial interactions by using the Zūm Wallet, reducing risk of fraud for instant payments, and creating an overall better user experience by utilizing real-time data aggregation feature. The software is scalable and has a built-in Partner Portal for managing and overseeing customers' transactions, collecting invaluable data insights, and offering robust reporting. It can be used directly out of the Zūm Rails Portal or integrated directly into pre-existing systems and workflows through its seamless API.