Managed File Transfer
SFTP, commercial MFT, S3 pre-signed URLs — replaced by a motion-first pipeline with no at-rest layer.
Use Cases
Where zero residency changes the equation.
Anywhere data sensitivity, regulatory pressure, or supply-chain risk makes at-rest storage a liability, ZeRDA removes the liability at the architectural level. First design point: financial services. Architecture generalizes.
Applied across Financial ServicesDefense & IntelligenceHealthcare & Life SciencesCritical InfrastructureLegal & ProfessionalGovernment
01 Scenarios
Six patterns we see repeatedly.
Different industries, same structural problem: data that needs to move but not persist. Transfer profiles below are representative; actual volume depends on customer workload.
01 Financial services
Bank-to-processor settlement
Daily ACH batches, wire confirmations, reconciliation dumps between banks and their processors. Eliminates the intermediate storage that PCI auditors scope in every year.
Transfer profile
5–20 steady · 50–100 burst · ~3.3 TB/day · ~100 TB/month
Best fit
- · ACH & wire batches
- · End-of-day reconciliation
- · PCI-DSS scope reduction
02 Financial services
Real-time payment rails
Sustained high-concurrency transfers between fintech platforms, payment networks, and settlement partners. Zero residency keeps transaction data out of every intermediate custodian.
Transfer profile
20–50 sustained · 100–200 peak concurrent
Best fit
- · RTP / FedNow flows
- · Transaction attestation
- · Processor ↔ network settlement
03 Financial services
Card network reconciliation
Predictable daily cycles between issuers, acquirers, and card networks — with spikes at cutoff. Replaces SFTP and MFT infrastructure without changing the workflow.
Transfer profile
10–30 steady · 50–80 at cutoff
Best fit
- · Issuer ↔ acquirer files
- · Network settlement
- · Dispute & chargeback data
04 Regulated exchange
Multi-partner clearinghouse & hub
High-volume data exchange between many counterparties — law firms, auditors, regulators, partners. Each transfer is authenticated, time-bound, and leaves no durable trace.
Transfer profile
30–100 sustained · 200–500 during processing windows
Best fit
- · Clearing & settlement
- · Inter-organization hubs
- · Regulator reporting
05 Infrastructure
Managed File Transfer replacement
Drop-in replacement for SFTP, commercial MFT platforms, and S3 pre-signed URLs. Same workflow for senders and receivers, but no staging bucket, no at-rest copy, no residency surface.
Transfer profile
Any volume · any cadence
Best fit
- · SFTP / MFT retirement
- · S3 pre-signed URL replacement
- · Vendor file exchange
06 Compliance
Audit scope & compliance reduction
Because the intermediate infrastructure never holds data, it is architecturally out of scope for audits that cover data at rest. PCI, HIPAA, SOX, and GDPR surface areas shrink.
Transfer profile
Architectural elimination
Best fit
- · PCI-DSS scope reduction
- · HIPAA transit protections
- · SOX change-management relief
- · Cyber-insurance posture
02 What it replaces
Categories we architecturally eliminate.
ZeRDA is not layered on top of these systems. It replaces them — which is what makes the compliance and cost math work.
Staging buckets
Intermediate object storage, block storage, or on-prem staging between producers and consumers — architecturally removed.
Encryption-at-rest stack
Since data never exists at rest, the entire encryption-at-rest apparatus becomes unnecessary for in-flight workloads.
DLP for in-motion data
No persistent copies to monitor or leak. Architectural elimination beats policy enforcement.
Have a use case we haven't listed?
We're actively working with pilots.
Across finance, regulated exchange, and critical infrastructure. If you're running into the same structural problem — data that needs to move but shouldn't persist — let's compare notes.