Zebec Network and Lattice Partner to Launch First Mastercard Debit Card on Canton Network

Many market participants use terms such as “institutional blockchain” or “on-chain finance” without fully understanding what they mean in practice. The key questions are simple: How do digital assets connect to regulated financial systems? How can institutions use blockchain while meeting compliance standards? And how can users spend on-chain assets in the real world?

On February 23, 2026, Zebec Network announced a strategic partnership with Lattice Finance that seeks to address those questions. The agreement marks Zebec’s first integration into the Canton Network ecosystem and introduces real-time payment streaming and debit card infrastructure to a privacy-enabled blockchain built for institutional finance.

At the center of the partnership is the Lattice Card Program, described as the first Mastercard debit card native to the Canton ecosystem. The initiative connects stablecoin settlements, tokenized assets, and regulated payment rails in a single structure.

What Is Zebec Network and How Does It Support Real-Time Crypto Payroll?

Zebec Network (ZBCN) was founded in 2021 as a blockchain-based platform focused on real-time crypto payroll and programmable payments. Its core function is payment streaming, allowing funds to move by the second rather than in batch settlements.

Core Products and Infrastructure

Zebec operates as a full-stack financial technology layer with several primary products:

• Zebec Cards: Multi-currency debit cards that allow users to spend crypto assets in more than 80 countries without sign-up or recurring fees.
• Real-Time Payroll: Programmable payroll infrastructure that enables second-by-second payment distribution for enterprises.
• Zebec Super App: A Web3-native financial management application integrated with 18 blockchains and more than 150 tokens.

The network processes approximately $500 million in annual payroll volume across 250 enterprise clients and more than 50,000 monthly users. Zebec has also achieved ISO 20022 compliance, enabling integration with traditional payment systems such as ACH and FedNow.

Its partnership network includes Visa, Mastercard, Circle (issuer of USDC), Ondo Finance, and Nacha, which governs the $85 trillion U.S. ACH network. Recent acquisitions, including Gatenox for native KYC/AML capabilities and NatPay for payroll infrastructure, expanded its compliance and settlement stack.

The $ZBCN token functions as both a governance and utility asset. Full circulating supply is expected by March 2026, after which the token becomes deflationary through revenue-funded buybacks, according to company disclosures.

What Is Lattice Finance and Why Is It Built on Canton Network?

Lattice Finance describes itself as the first neobank constructed on the Canton Network. It focuses on privacy-preserving banking services designed for institutional and high-net-worth users.

Key Features of Lattice

• Instant peer-to-peer transfers with atomic settlement and real-time notifications
• Username-based sending
• On- and off-ramping through ACH, debit cards, and external wallets
• Virtual and physical Mastercard debit cards are compatible with Apple Pay and Google Pay
• A rewards system that issues Lattice Points for transfers, referrals, and usage streaks

As of the partnership announcement, Lattice reported more than 50,000 users on its waitlist.

The neobank architecture enables Lattice to operate as a user-facing layer on Canton’s institutional blockchain, providing regulated access to on-chain assets while preserving transaction privacy.

What Is Canton Network and Why Do Institutions Use It?

Canton Network ($CC) is a public, privacy-enabled blockchain designed for institutional finance. It is backed by Digital Asset and governed by the Canton Foundation.

Technical Characteristics

• Privacy-first architecture: Smart contracts enable decentralized interoperability while restricting transaction visibility to relevant parties.
• Regulatory alignment: Supports compliance requirements while remaining publicly verifiable.
• Institutional-grade settlement: Real-time synchronization across financial applications.

Canton’s ecosystem includes organizations such as DTCC, Goldman Sachs, Hashkey, J.P. Morgan, Chainlink, and Digital Asset. DTCC has outlined plans to use Canton's infrastructure to tokenize U.S. Treasuries by 2026.

The $CC token provides native support for settlement and utilities within the network.

What Does the Lattice Card Program Add to the Canton Ecosystem?

The partnership integrates Zebec’s real-time payment rails with Lattice’s Canton neobank interface. The flagship initiative is the Lattice Card Program, which introduces the first Mastercard debit card native to the Canton ecosystem.

Key Functional Elements

• Native $CC Support: Direct integration with the Canton token for funding and transaction support.
• Stablecoin Funding and Settlement: Real-time settlement using stablecoins such as USDC, with atomic finality.
• Custom Onboarding: KYC/AML processes supported by Zebec’s Gatenox acquisition.
• No Sign-Up or Recurring Fees: Fee structure designed for both institutional and retail users.
• Global Merchant Acceptance: Spending enabled through Mastercard’s existing payment network.

Canton provides privacy-compliant settlement infrastructure. Zebec contributes payment streaming and payroll rails. Lattice delivers the neobank interface and card issuance. Together, the integration connects tokenized assets to real-world merchant networks.

No specific launch date for the card was provided in the announcement.

How Does This Partnership Affect $ZBCN, $CC, and Institutional Adoption?

For Zebec, the integration expands token utility into institutional capital markets operating on Canton. 

For Lattice and Canton, the introduction of a Mastercard debit card provides a practical spending mechanism for tokenized assets. This addresses a common limitation in institutional blockchain deployments: the gap between on-chain settlement and off-chain usability.

More broadly, the partnership reflects ongoing convergence between traditional finance and decentralized finance. Real-world asset tokenization, privacy-preserving smart contracts, and regulated payment cards are increasingly linked in institutional strategies.

Why Does This Partnership Matter for the Blockchain Ecosystem?

The partnership demonstrates how institutional blockchain infrastructure can connect to consumer-facing financial tools. It combines:

• Privacy-enabled smart contract settlement (Canton)
• Real-time payment streaming and compliance layers (Zebec)
• Neobank interface and card issuance (Lattice)

This structure reduces friction between tokenized assets and global merchant networks. It also provides a test case for how privacy-focused public blockchains can support regulated financial products.

The significance lies in operational integration rather than speculative value. Payment streaming, ISO 20022 compatibility, ACH connectivity, and Mastercard issuance show that blockchain infrastructure is increasingly interfacing with established financial systems.

The partnership outlines a framework for compliant on-chain capital markets connected to everyday spending tools. Its impact will depend on product rollout, regulatory clarity, and sustained institutional adoption.

Sources:

• X Post: Zebec Partnership announcement
• Lattice Website: What is Lattice Finance
• Zebec Website: What is Zebec