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Zaria Systems applies to US OCC to charter ZNTB
06 August 2026 US
Image: adobe.stock.com/Maryam
Zaria Systems, a provider of real-time infrastructure for mark-to-market credit and structured finance, has applied to the US Office of the Comptroller of the Currency (OCC) to charter Zaria National Trust Bank (ZNTB).
If approved, the entity will be a special-purpose national bank that is limited to the operations of a trust company and related activities.
If chartered, Zaria says that ZNTB will become a corporate trustee built specifically for modern structured finance, offering a single regulated counterparty providing services for asset-backed securities (ABS), collateralised loan obligations (CLO), and other structured finance transactions.
It also intends to provide agency services for syndicated and bilateral credit facilities; combined loan servicing and collateral management for banks and other direct lenders; and backup servicing and collateral management.
Zaria says its charter application is a response to the growth of securities-backed, digital asset-backed, and tokenised lending, and infrastructure that is inadequate in keeping up with demand.
Speaking on the application, Emily Barron, co-founder and CEO of Zaria, says: “Lenders, asset managers, and their investors increasingly need a fiduciary counterparty that can monitor collateral in real time, not just at the end of a reporting period.
“Filing for a national trust bank charter allows us to build that infrastructure inside a federally regulated institution, so lenders and their counterparties get the same regulatory clarity and credibility they already expect from a bank, applied to markets that have never had it before.”
The proposed board of directors and management team will contain members with backgrounds at BNY Mellon, Moody’s, Barclays, Morgan Stanley, Silicon Valley Bank, the OCC, and the US Federal Reserve, among others.
The proposed ZNTB principal office would be based in the US state of Wyoming.
If approved, the entity will be a special-purpose national bank that is limited to the operations of a trust company and related activities.
If chartered, Zaria says that ZNTB will become a corporate trustee built specifically for modern structured finance, offering a single regulated counterparty providing services for asset-backed securities (ABS), collateralised loan obligations (CLO), and other structured finance transactions.
It also intends to provide agency services for syndicated and bilateral credit facilities; combined loan servicing and collateral management for banks and other direct lenders; and backup servicing and collateral management.
Zaria says its charter application is a response to the growth of securities-backed, digital asset-backed, and tokenised lending, and infrastructure that is inadequate in keeping up with demand.
Speaking on the application, Emily Barron, co-founder and CEO of Zaria, says: “Lenders, asset managers, and their investors increasingly need a fiduciary counterparty that can monitor collateral in real time, not just at the end of a reporting period.
“Filing for a national trust bank charter allows us to build that infrastructure inside a federally regulated institution, so lenders and their counterparties get the same regulatory clarity and credibility they already expect from a bank, applied to markets that have never had it before.”
The proposed board of directors and management team will contain members with backgrounds at BNY Mellon, Moody’s, Barclays, Morgan Stanley, Silicon Valley Bank, the OCC, and the US Federal Reserve, among others.
The proposed ZNTB principal office would be based in the US state of Wyoming.
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