Zenus Bank announces strategic shift to focus on Fintech services
Banking
San Juan, July 22, 2025 – Zenus Bank, a fully licensed U.S. bank and Visa Principal Member, has announced a strategic decision to discontinue its dedicated retail banking platform and focus on its growing fintech and embedded banking services.
This strategic pivot reflects the increasing demand for reliable U.S.-based fintech infrastructure among global institutions and platforms seeking compliant and efficient ways to offer financial services internationally.
By discontinuing its dedicated retail banking platform, Zenus is aligning its operations with its strategic vision of becoming the preferred infrastructure bank behind leading global financial and technology brands. Its enterprise fintech platform is already the mission-critical provider of regulated services—including payments, card issuance, virtual accounts, and compliance infrastructure—to institutional clients and fintech partners worldwide.
Zenus Bank operates on a fully reserved model, meaning it does not lend or leverage client deposits. This conservative approach reinforces the safety and liquidity of client funds, ensuring they remain fully available for withdrawal at any time.
Client transition plan
Retail banking platform will be discontinued on October 22nd, 2025. Clients have been notified and asked to withdraw their funds, with no fees applied to outgoing transfers. Zenus Bank is a fully reserved institution, and all client funds are secure and available for withdrawal. Clients are encouraged to download any necessary statements or records prior to the closure of account access.
A new chapter for Zenus
“Zenus is evolving to meet the needs of the global digital economy,” said José A. Díaz-Ortiz, CEO at Zenus Bank. “This decision marks a new chapter for Zenus. We are sharpening our focus to deliver secure, scalable fintech infrastructure that empowers businesses worldwide.”
Existing institutional and fintech partners will see no disruption to services. Our infrastructure and support teams remain fully operational as we scale our offerings.
Zenus will continue to expand its embedded banking, BIN Sponsorship, and cross-border payment capabilities—delivering compliant, scalable solutions for businesses seeking global reach without the operational friction of traditional banking models.
About Zenus Bank
Zenus Bank is an award-winning, U.S. reserved bank and technology provider headquartered in Puerto Rico. We empower international businesses and financial institutions in over 130 countries with secure, borderless access to U.S. banking—without the need for U.S. residency.
As a fully licensed U.S. bank and Visa Principal Member, Zenus offers direct access to U.S. banking infrastructure and a full suite of embedded financial tools. Our mission is to make global finance more inclusive by combining regulatory strength with innovative technology to deliver fast, compliant, and seamless cross-border financial services.
