Glossary - Zeam API

Term	Meaning
Association	An organisation or business entity registered on the Zeam platform. Wallets, beneficiaries, and applications are scoped to an association.
Beneficiary	A person or business that receives payments. Each beneficiary can have multiple payment destinations (bank accounts, mobile money wallets, etc.).
Bearer token	The `idToken` or `access_token` returned after authentication. Sent as `Authorization: Bearer <token>` on every API call.
Connector	A payment provider that can deliver funds to a destination via a specific method (bank, mobile money, etc.) and corridor (country pair).
Connect	Zeam’s payment routing layer that discovers corridors, quotes FX rates, and executes off-ramp/on-ramp payments through external provider networks.
Corridor	A payment route defined by source asset, destination country, and delivery method.
OAuth	Google’s authentication service. The Zeam API validates OAuth ID tokens for mobile and web app users.
OTP	One-time password — a code delivered via WhatsApp for user authentication.
Payment destination	A specific delivery target for a beneficiary (e.g., a bank account number, mobile money wallet, or crypto address).
Quote	A time-limited price offer showing the exchange rate, fees, and destination amount for a specific payment.
Ed25519	A specific implementation of the Edwards-curve Digital Signature Algorithm (EdDSA), belonging to the Elliptic Curve Cryptography (ECC) family. Used for cryptographic key pair authentication — your application signs a challenge with its Ed25519 private key to prove identity.
Stellar	The blockchain network Zeam uses for on-chain settlement. Assets like ZARZ, USDZ, and USDC are Stellar tokens.
Wallet	A custodial Stellar account managed by Zeam. Wallets hold digital assets and execute on-chain transactions.
`x-zeam-auth`	HTTP header carrying your application’s connect secret. Required for Connect endpoints. Partners must include their issued connect secret on all Connect API calls.
X-Request-Id	Correlation header present on every API response. Use it for debugging and include it in support tickets.