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How Innovify Collaborated with Zeru Earth on a Sustainability‑Focused Fintech MVP

Zeru Earth — Sustainability-Driven Fintech Product Delivery

Case Study

Client Overview

Zeru Earth is a sustainability‑focused fintech helping organisations measure, reduce, and offset carbon footprints through scientifically backed solutions such as biochar and enhanced rock weathering. Their mission is to empower businesses with accessible climate‑positive tools and a seamless digital platform. Zeru Earth approached Innovify for strategic product discovery, UX design, and end‑to‑end MVP development.

Client:
Zeru Earth
Country:
United Kingdom
Platforms:
Web / Mobile
Industry:
Fintech / Climate Tech

Challenge

Zilch set an ambitious goal: launch a fully compliant digital wallet in just four months. Innovify was tasked with building the platform from the ground up, fast, secure, and ready for scale.

The project came with critical technical and compliance requirements:

  • PCI DSS certification and FCA approval, ensuring full regulatory compliance
  • Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
  • Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows

The solution is cloud-native, API-first, and built for scalability, enabling Zilch to launch confidently and expand across the UK market. With compliance-by-design and optimized architecture, the product is ready for rapid growth.

Zeru Earth needed a customer-friendly digital platform capable of supporting its financial and sustainability workflows.

The idea was defined, but technical capacity was limited. To meet user expectations and mission goals, the platform had to be:

  • easy to navigate,
  • fast to prototype,
  • scientifically credible,
  • and ready for rapid MVP launch.

They required expertise to conceptualise the product, design a scalable architecture, and deliver a flawless MVP under time and budget constraints.

Client Review

Zilch set an ambitious goal: launch a fully compliant digital wallet in just four months. Innovify was tasked with building the platform from the ground up, fast, secure, and ready for scale.

The project came with critical technical and compliance requirements:

  • PCI DSS certification and FCA approval, ensuring full regulatory compliance
  • Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
  • Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows

The solution is cloud-native, API-first, and built for scalability, enabling Zilch to launch confidently and expand across the UK market. With compliance-by-design and optimized architecture, the product is ready for rapid growth.

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Key Objectives

Deliver a fully functional digital wallet within four months

  • Discover and conceptualize a user-friendly fintech product
  • Build and deliver an MVP at accelerated speed
  • Create supporting infrastructure for sustainable commerce flows
  • Provide ongoing development and QA throughout the lifecycle
  • Deploy a dedicated team capable of rapid scaling

Solution

Innovify began with a comprehensive discovery workshop to define scope, align stakeholders, and anticipate technical challenges. A dedicated delivery team was assembled to ensure speed and precision throughout the build.

Innovify began with a comprehensive discovery workshop to define scope, align stakeholders, and anticipate technical challenges. A dedicated delivery team was assembled to ensure speed and precision throughout the build.

Innovify began with a comprehensive discovery workshop to define scope, align stakeholders, and anticipate technical challenges. A dedicated delivery team was assembled to ensure speed and precision throughout the build.

Innovify began with a comprehensive discovery workshop to define scope, align stakeholders, and anticipate technical challenges. A dedicated delivery team was assembled to ensure speed and precision throughout the build.

A dedicated engineering team was deployed to take ownership of Zeru Earth’s end-to-end product journey—from discovery to design to development.

  • Product discovery workshops clarified technical gaps and UX requirements
  • A team of developers, designers, DevOps engineers, product managers, and QA specialists was assembled for full-cycle delivery
  • The MVP was designed around customer-centric journeys and minimal friction
  • Technical challenges were mapped early to prevent downstream delays
  • Regular QA cycles ensured zero-error releases and a stable product experience
  • Continuous collaboration supported evolving sustainability and fintech needs

The MVP was delivered significantly faster than planned, with strong positive feedback from Zeru Earth’s leadership.

Technology Used

No items found.

Results

Zilch set an ambitious goal: launch a fully compliant digital wallet in just four months. Innovify was tasked with building the platform from the ground up, fast, secure, and ready for scale.

The project came with critical technical and compliance requirements:

  • PCI DSS certification and FCA approval, ensuring full regulatory compliance
  • Ultra-low latency transactions under 250 milliseconds, delivering a seamless user experience.
  • Successful integration of multiple third-party APIs, including GPS, Xero, and CashFlows

The solution is cloud-native, API-first, and built for scalability, enabling Zilch to launch confidently and expand across the UK market. With compliance-by-design and optimized architecture, the product is ready for rapid growth.

  • 2X faster MVP delivery, completed ahead of commitment
  • 0% recruitment fees, reducing early-stage costs
  • Enhanced UI/UX and a customer-friendly product experience
  • Robust technical foundation enabling future scaling and refinements
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