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.
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, could not expand confidently, and lacked the operational control required to run a modern card program.
Brim delivered a full-stack migration and relaunch of Zolve’s credit card program in under 90 days. The solution included:
Brim and Zolve faced common but critical hurdles when moving away from entrenched processors or fintech platforms:
One Platform, Multiple Markets Zolve operated in Canada and the U.S. through one platform, avoiding a second stack and preserving a consistent operating model as new markets come online.
Canada specific requirements were addressed through configuration and controls, rather than rebuilding core systems. This allows Zolve to adapt market by market while keeping the underlying platform consistent.
Zolve maintained one enterprise workflow layer for operations, servicing, and program management. Teams can work within a consistent set of tools and processes, even as the program expands into additional jurisdictions.
By reusing the U.S. foundation, Zolve accelerated time-to-market in Canada and established a rollout approach that can be repeated in future geographies.
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.
