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Tata Consultancy Services’ Blockchain-based Solution to Provide a Secure Wallet for Digital Asset Tokens and Power Zapaygo’s RewardZ Marketplace Program

LONDON | MUMBAI, October 1, 2020: Tata Consultancy Services (TCS) (BSE: 532540, NSE: TCS), a leading global IT services, consulting, and business solutions organization, announced that it will implement the Wallets and Rewards solution from Quartz™ – The Smart LedgersTM at UK-based startup Zapaygo, for its pre-order mobile ordering and payment platform for the entertainment, hospitality and leisure industry.

In this first of its kind initiative, a hybrid blockchain platform will power Zapaygo’s wallet services and RewardZ program, enabling its customers easy and quick access to high street benefits and offers from merchants in sports and leisure venues across the globe. The Quartz solution will help provide wallet services to Zapaygo’s customers through tokens managed on the public blockchain and leverage a private permissioned network for rewards program management.

Customers can purchase, avail, and redeem reward points from merchants instantaneously while also managing ZAPS in a secure manner in wallets using cryptographic keys. In addition, the Quartz Command Center will facilitate monitoring and administration of the entire ecosystem. The Quartz suite of solutions will be offered in a managed services model running on a private cloud.

Elliot Hall, Founder CEO & Chairman, Zapaygo, said, “We were impressed by the start-up friendly aspect of Quartz and the solution’s technical capability to help us launch to aggressive timeframes and support our vision of geographical expansion. The objective is to support numerous merchant venues and redefine how they deliver services, and in the process increase customer loyalty. The solution from Quartz provides a hybrid network that allows our customers to pre-order goods and services from merchants utilizing the rewards on the private blockchain network and manage the Zap tokens on the public network simultaneously.”

R Vivekanand, Global Head, Quartz, TCS, said, “Targeted at multiple industry segments spanning travel & hospitality, e-commerce, telecom and financial services, the Quartz solution for wallets and rewards, can help organizations reimagine the way these programs are currently administered. The solution can be used to securely hold tokens in wallets and manage the end-to-end rewards management process, ushering in more efficiency, transparency, and ultimately a superior customer experience. Quartz has the potential to transform dormant loyalty points held in multiple end customer accounts into an easily redeemable token on a secure distributed ledger, and will foster trust and allegiance to brands. We are excited to be part of Zapaygo’s journey, and the innovative proposition they are bringing to the market.”

The Wallets solution from Quartz provides a secure way to create and operate accounts in the public blockchain and maintain the custody of digital assets for customers. The solution uses a Hardware Security Model (HSM) to store the private keys and operate wallets on behalf of customers.

The Rewards solution ensures real-time settlement, fungibility of points and greater transparency and can help create an ecosystem that connects multiple customer loyalty programs. Organizations that use the Quartz solution can take advantage of the configurability it offers to convert an existing reward point to one that is maintained in a digital wallet on the blockchain ecosystem. Smart contracts handle the instantaneous accrual and redemption of funds and rewards, enable funds conversion to equivalent points for multiple issuers, and provide an audit trail for a complete history of transactions, ensuring confidentiality of data by allowing access only to authorized participants.

The availability of Quartz Rewards on the cloud means that companies seeking innovative blockchain solutions can now connect and use a readily available and secure hosted offering, without having to develop their own blockchain-based solution or invest in expensive in-house computing resources.

About Zapaygo

Zapaygo is an app for ordering in customers favourite venues, such as bars, restaurants, hotels, hair salons and more. No handling menus, money, card machines or missing social, sports or concert moments while waiting to make or receive orders. Venues improve revenue, efficiency and help customers stay safe by reducing the risk of spreading the likes of COVID-19.

Through Zapaygo’s large partnership network, they are rolling out into the UKs largest stadiums and exhibition centres, with a global rollout planned. Off the back of this they’re providing a RewardZ Market Place for their large user base to benefit from.

RewardZ is utilising blockchain technology and its ZAPS tokens to bring a consortium of businesses together, allowing them to reward their customers through a seamless rewards marketplace.

Quartz – The Smart Ledgers

Quartz, The Smart Ledgers, is a startup incubated by TCS, and provides foundational technology, tools and business components for creating distributed ledger solutions across varied industries.

Built on the core principles of Coexistence, Integration and Interoperability, Quartz enables existing systems to coexist and integrate with blockchain platforms and other messaging networks. With data masking, privacy and anonymity--the premise on which the solutions are designed--organizations can focus on enhancing their core competitive strengths in an environment of utmost security.

With Quartz, you can also facilitate the creation of a complete distributed ledger ecosystem for stakeholders in your value chain. Quartz caters to organizations across Industry segments including Financial Services, Banking, Supply Chain, Energy & Utilities and eGovernance.

To know more about Quartz, please visit:

About Tata Consultancy Services Ltd. (TCS)

Tata Consultancy Services is an IT services, consulting and business solutions organization that has been partnering with many of the world’s largest businesses in their transformation journeys for over 50 years. TCS offers a consulting-led, cognitive powered, integrated portfolio of business, technology and engineering services and solutions. This is delivered through its unique Location Independent AgileTM delivery model, recognized as a benchmark of excellence in software development.

A part of the Tata group, India's largest multinational business group, TCS has over 443,000 of the world’s best-trained consultants in 46 countries. The company generated consolidated revenues of US $22 billion in the fiscal year ended March 31, 2020, and is listed on the BSE (formerly Bombay Stock Exchange) and the NSE (National Stock Exchange) in India. TCS' proactive stance on climate change and award-winning work with communities across the world have earned it a place in leading sustainability indices such as the Dow Jones Sustainability Index (DJSI), MSCI Global Sustainability Index and the FTSE4Good Emerging Index. For more information, visit us at

For TCS global news, follow @TCS_News.

Quartz Media Contacts:


Dennis Roman, Global Head – Products & Platforms Marketing


Phone: +1 561 865 3339


Anjana Chandrika, Head, Marketing, Communications and Research


Phone: +91 8067256963

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