Zaria Systems takes $5.2M seed alongside OCC trust bank charter bid

Zaria Systems, a Mill Valley, California-based fintech, has raised $5.2M in seed funding led by Lightspeed Venture Partners. The round was announced on October 14, 2026.

The company builds real-time infrastructure for mark-to-market credit and structured finance. That places it in the market plumbing that sits behind credit and structured products, where positions are priced against current market levels rather than at fixed reporting intervals.

The seed round comes as Zaria pursues a regulatory track in parallel with its product build. According to the announcement, the funding follows the company's recent application with the Office of the Comptroller of the Currency to charter Zaria National Trust Bank, described as a special-purpose national bank that will limit its activities to the operations of a trust company and related activities.

That charter structure is narrow by design: a special-purpose national bank organized around trust company operations rather than a full commercial banking footprint. The announcement does not state how Zaria intends to link the bank charter to its existing infrastructure business, nor does it describe what the trust entity would administer.

Lightspeed Venture Partners is the only investor named in the announcement, and it is identified as the lead on the round. The company did not disclose a valuation, a total raised to date, or any earlier financing in the release.

The announcement also does not specify how the $5.2M will be used. That leaves the seed capital's allocation across engineering, hiring, regulatory work and the charter process undisclosed at this stage.

For a seed-stage company, the dual announcement—fresh institutional capital paired with a pending national bank charter application—is an unusual combination. Bank charter applications typically involve a separate and longer regulatory review than a venture round, and the OCC process would run on its own timeline independent of the financing.

Zaria's pitch rests on speed and continuous valuation in credit and structured finance, where the cost of stale marks can be material. Whether the trust bank charter becomes part of that offering, or remains a separate regulated vehicle, is not addressed in the funding announcement.