Zen
“Can a European EMI-licensed neobank build a globally accessible multi-currency card and wallet product that simplifies cross-border spending for consumers?”
HQVilnius, Lithuania
IndustryFintech / Consumer banking
The story
ZEN.COM is a Lithuania-headquartered electronic money institution offering payment cards, multi-currency wallets, and online shopping financial services. The company integrated Currencycloud to simplify cross-border currency conversion for its customers. Its Privacy Policy references compliance with EU GDPR, UK GDPR, Singapore PDPA, and AML/CTF regulations, reflecting an ambition to serve customers across multiple jurisdictions.
Last 12 months
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Regulated entities
1
regulatory licence held by Zen
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Zen was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
1 layer disclosed in Zen’s embedded-finance stack
FX & payouts
Accounting gap: none