Starting with $\sf Z$ minus Separation, add to its language a primitive constant $0$ standing for the empty set, and primitive total $(n+1)$-ary functions $f^n_i$ where $i$ is a natural, now let $\varphi_0, \varphi_1, \cdots$ be an enumeration on formulas whose free variables are all and only $(x,y,w_0,..,w_n)$. Add the following axiom schemata (parameters hidden):
Attribution: $[\forall x \exists y : \varphi_i(x,y)] \to \forall x \forall y \, (f_i(x)=y \to \varphi_i(x,y)) \\ [\neg \forall x \exists y: \varphi_i(x,y)] \to \forall x \, (f_i(x) = 0 )$
Now, we come to our scheme:
Functionality: $i=0,1,2, \ldots\\ \forall A \, \exists B: \forall y \, (y \in B \leftrightarrow \exists x \in A: y=f_i(x))$
I'd label this theory as: $\sf Z + Functionality$.
Now, Z + Functionality is ought to prove schemata of Separation and Replacement. Also, Axiom of Choice follows. So, it is at least $\sf ZFC$.
Is the above theory interpretable by $\sf ZFC$?