Regulated lending, real balance sheet.
Oxyan is the embedded finance product of Zool Capital — a regulated Australian lender that holds the credit licence and funds the lease book. That means every approval is compliant, ID-verified and digitally signed, backed by a real balance sheet rather than a marketplace.
For vendors, it means certainty: invoices funded in full on settlement. For customers, it means a lease you can trust, from a licensed provider that’s a member of AFCA and regulated by ASIC and APRA.
Operators who have built this before.
Oxyan is founded and run by a team with a track record of building and scaling ventures across technology and financial services. We’ve shipped lending, payments and platform businesses — and we’re bringing that experience to a category that didn’t exist in APAC until now.
As part of the Zool Capital group, we pair that operating experience with a regulated balance sheet — so Oxyan launches with both the product and the licence to back it.