Verified provider profile

ZEN.com

ZEN.com is a UK (outside the EU/EEA) fintech-infrastructure provider (Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active

UKEEA data: YesLicence: EMIVerified at source 2026-07-11
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Who it's for

ZEN.com is built for businesses moving money across currencies and borders - collections, FX and payouts. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.

Sovereignty profile

  • Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
  • Company origin: UK (UK)
  • Ownership / control: no change of control on record

What ZEN.com does

Cross-border payments / FX

Verified licence profile

ZEN.com (London, UK; founded 2018 by Dawid Rozek, co-founder of G2A; offices in Warsaw and Vilnius) - multi-currency accounts and Mastercard cards for consumers and businesses (Apple/Google Pay). EMI licensed by the Bank of Lithuania (2018) + UK FCA EMI (2024). Polish roots. Register-sourced: E-money institution (EMI), Bank of Lithuania, ref LB000457; passported to 30 EEA states.

Verified 2026-07-11. How we verify → · Official website: zen.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - Bank of Lithuania · Ref LB000457 · Active (EBA PSD2 register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

Timeline

  • 2024 [licence] UK FCA EMI authorisation
  • 2018 [licence] EMI licence from the Bank of Lithuania

European alternatives to ZEN.com

  • ECOMMBX EU core EMI Cyprus · EEA: YesShared: Cross-border payments / FX
  • Genome EU core EMI Lithuania · EEA: YesShared: Cross-border payments / FX
  • Nexpay EU core EMI Lithuania · EEA: YesShared: Cross-border payments / FX
  • Paysera EU core EMI Lithuania · EEA: YesShared: Cross-border payments / FX
  • TransferMate EU core EMI Ireland · EEA: YesShared: Cross-border payments / FX
  • Verifo EU core EMI Lithuania · EEA: YesShared: Cross-border payments / FX

FAQ

Is ZEN.com European / EEA-based?

Yes. ZEN.com hosts data in the EEA (GDPR / CLOUD Act safe); origin UK, UK.

What does ZEN.com do?

ZEN.com covers: Cross-border payments / FX. Verified at source by Fintechnologica.

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