Readiness review · 17 September 2026
The application has strong source material and a complete contribution case. The remaining work is concentrated in recommendation compliance, founder business proof, final evidence selection and submission assembly.
Readiness breakdown
A weighted filing audit across core documents, mandatory recognition, two optional criteria, founder proof and final assembly.
The personal statement and two-page CV are final and aligned. Shashwat and Sabrine are signed. Suzanne’s original email/PDF remains the principal recommendation gap, and referee credentials need a final filing check.
Ripple, Arbitrum Founder House, Nairametrics, Channels Television and Salford evidence establish a recognition record from 2022 to 2026. The remaining task is final overlap and slot-value review.
SettleySend combines a recipient-controlled claim model, deterministic payment vaults, capability-driven payout routing, atomic settlement controls and attributable implementation history. Settley combines authored conditional-liquidity research, independent BIS/FSB market comparison, a 249-commit product history beginning in 2022, a working beta and public vault and listing surfaces.
E‑C1 combines attributable product models and a working product surface with ZILO’s publicly announced State Street relationship, the paid institutional engagement, Suzanne Warren’s confirmation of client presentation and positive feedback, and Sabrine Habassi’s direct corroboration from the implementation programme.
Formation, founding-member resolutions, twelve months of stamped GBP and USD statements, product records and operating activity establish the founder connection and bootstrapped beta.
The core documents, recommendations and ten evidence exhibits are consolidated in one folder with final filenames and a checksum manifest. Form answers and the final upload rehearsal remain.
Evidence position
Completed review exhibits connect product claims to primary artefacts, attributable work and operating outcomes.
Recipient-controlled claims, deterministic payment vaults, capability-driven routing, atomic direct-vault settlement and 337 of 355 attributable commits.
Review exhibitConditional-liquidity research benchmarked against BIS/FSB findings, a 249-commit history, deployed test contracts, onchain deeds and a working lending-vault beta.
Review exhibitEleven original Modeler, Jira and Tokenization Playground captures show authorship across fund creation, settlement, compliance and reconciliation.
Open exhibitZILO publicly announced its State Street transfer-agency relationship in March 2025. State Street paid for the engagement, saw ZILO’s Digital Transfer Agency architecture applied to its requirements and responded positively to the work. Suzanne confirms the workshops and client feedback; Sabrine confirms direct State Street implementation work with Temisan.
Review combined exhibitFive assembled candidates cover Ripple validation, Arbitrum selection, named press coverage, broadcast appearances and university recognition.
Review documentsCompany formation, founding-member resolutions and twelve months of stamped GBP and USD business statements establish Temisan’s founder connection and Settley’s active business banking.
Open exhibitCritical path
The remaining work is narrow enough to manage directly. These actions have the highest effect on filing readiness.
Resolve Suzanne’s signature format and verify that each referee letter includes contact details, organisation details, credentials, a date and no more than three A4 pages.
Choose the final ten evidence documents, map each to one criterion, finish the endorsement form, normalize filenames and test every upload.
Document library
The final personal statement, CV, recommendations and ten evidence documents are available for review below.
| Document | Criterion | Status | Pages |
|---|---|---|---|
| Personal statement | Stage 1 document | Final | 2 |
| Curriculum vitae | Stage 1 document | Final | 2 |
| Recommendation · Shashwat Mittal | Recommendation | Signed | 2 |
| Recommendation · Sabrine Habassi | Recommendation | Signed | 1 |
| Recommendation · Suzanne Warren | Recommendation | Final | 3 |
| E‑R1 · Ripple recognition | Mandatory recognition | Review-ready | 3 |
| E‑R2 · Arbitrum Founder House | Mandatory recognition | Review-ready | 3 |
| E‑R3 · Nairametrics press | Mandatory recognition | Review-ready | 3 |
| E‑R4 · Broadcast appearances | Mandatory recognition | Review-ready | 2 |
| E‑R5 · Salford recognition | Mandatory recognition | Review-ready | 3 |
| E‑I1 · SettleySend innovation | Optional 1 · Innovation | Review-ready | 3 |
| E‑I2 · Settley conditional liquidity | Optional 1 · Innovation | Review-ready | 3 |
| E‑C1 · ZILO product leadership | Optional 3 · Contribution | Review-ready | 3 |
| E‑C2 · SettleySend contribution | Optional 3 · Contribution | Review-ready | 3 |
| E‑F1 · Founder connection | Business connection | Review-ready | 3 |
Recommendation letters and the CV sit outside the ten evidence-document limit. This page is an internal readiness aid and does not represent an endorsement decision.
Last verified
17 September 2026