Key Takeaways
- • Zaria Systems raised $5.2 million in seed funding led by Lightspeed Venture Partners, according to the company's announcement dated October 14, 2026.
- • Zaria builds real-time infrastructure for mark-to-market credit and structured finance, covering loan servicing, backup servicing, collateral management, and agency functions.
- • The company is pursuing a national trust charter from the Office of the Comptroller of the Currency for Zaria National Trust Bank, which would consolidate multiple transaction functions under one federally regulated trustee.
- • Existing platform partners include Ledn, Maple, Galaxy, Kraken, and Figure, serving warehouse facilities, forward-flow loan sales, securitizations, and digital asset-backed lending.
- • Co-founder and CEO Emily Barron said the capital will expand the team and technology platform; Lightspeed partner Aaron Frank described the firm as backing the company from its earliest days.
Summary
Zaria Systems has raised $5.2 million in seed funding to expand its real-time infrastructure for structured finance and digital asset-backed lending, according to the company's announcement, with Lightspeed Venture Partners leading the round. Zaria plans to use the capital to grow its team, extend its technology platform, and support its pending application with the Office of the Comptroller of the Currency (OCC) to charter Zaria National Trust Bank.
The company develops infrastructure for mark-to-market credit and structured finance, spanning loan servicing, backup servicing, collateral management, and agency functions. Zaria is targeting segments where traditional batch-based monitoring is becoming less suitable as securities-backed, tokenized, and digital asset-backed lending increasingly requires real-time collateral monitoring and automated margin processes. Its platform is already used by partners including Ledn, Maple, Galaxy, Kraken, and Figure, supporting warehouse facilities, forward-flow loan sale programs, securitizations, backup servicing, collateral management, agency services, and node operations.
If approved, Zaria National Trust Bank would operate as a special-purpose national bank focused on trust company and related activities. The proposed structure is intended to consolidate multiple transaction functions under a single federally regulated trustee, rather than requiring market participants to coordinate across several service providers. The company's organizers and management team cite experience at BNY Mellon, Barclays, Morgan Stanley, Moody's, SoFi, Affirm, NYDIG, Block, and the OCC.
Co-founder and CEO Emily Barron said the financing will allow the company to accelerate growth and scale its existing servicing, backup servicing, collateral management, and agency infrastructure. Aaron Frank, partner for fintech at Lightspeed Venture Partners, said Zaria has built real traction with structured finance and digital asset-backed lenders. Lightspeed, which manages more than $65 billion in assets, has backed companies including Anthropic, Databricks, Rubrik, Snap, and Wiz.
The company develops infrastructure for mark-to-market credit and structured finance, spanning loan servicing, backup servicing, collateral management, and agency functions. Zaria is targeting segments where traditional batch-based monitoring is becoming less suitable as securities-backed, tokenized, and digital asset-backed lending increasingly requires real-time collateral monitoring and automated margin processes. Its platform is already used by partners including Ledn, Maple, Galaxy, Kraken, and Figure, supporting warehouse facilities, forward-flow loan sale programs, securitizations, backup servicing, collateral management, agency services, and node operations.
If approved, Zaria National Trust Bank would operate as a special-purpose national bank focused on trust company and related activities. The proposed structure is intended to consolidate multiple transaction functions under a single federally regulated trustee, rather than requiring market participants to coordinate across several service providers. The company's organizers and management team cite experience at BNY Mellon, Barclays, Morgan Stanley, Moody's, SoFi, Affirm, NYDIG, Block, and the OCC.
Co-founder and CEO Emily Barron said the financing will allow the company to accelerate growth and scale its existing servicing, backup servicing, collateral management, and agency infrastructure. Aaron Frank, partner for fintech at Lightspeed Venture Partners, said Zaria has built real traction with structured finance and digital asset-backed lenders. Lightspeed, which manages more than $65 billion in assets, has backed companies including Anthropic, Databricks, Rubrik, Snap, and Wiz.
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