Welcome to Zenus Bank’s corporate & financial institutions Support Center
Zenus Bank is a fully reserved, U.S.-chartered digital bank that offers a broad range of financial services. We specialize in providing customized banking solutions, as embedded accounts, settlement accounts, multi-currency services, and global card issuance, tailored to the needs of financial institutions, fintechs, and corporate clients.
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Zenus combines cutting-edge technology with a fully regulated US banking framework to offer seamless banking solutions. We are processor-agnostic, meaning our services are flexible and adaptable to your business existing infrastructure, whether you need global card issuance, payment rails, or secure fund management. Zenus focus is on innovation, compliance, and scalability to support businesses worldwide.
Yes, Zenus Bank is a US bank. We operate under US regulations, providing you with the reliability, security, and compliance of one of the world's most respected financial systems.
Zenus is a fully reserved bank, which means we maintain a 100% reserve requirement for all client deposits. This ensures that your funds are protected and accessible at all times.
Zenus Bank operates in full compliance with US banking regulations, including KYC (Know Your Customer) and AML (Anti-Money Laundering) standards. As a US bank, Zenus adhere to the strictest regulatory requirements, ensuring your business operations remain compliant with both domestic and international laws.
Bank accounts
No, financial institutions and business can leverage our banking infrastructure without needing their own banking license, ensuring faster access to compliant financial services.
Yes, all accounts operate under a fully reserved model, meaning 100% of deposits are backed by liquid assets for maximum security and immediate fund availability.
Zenus offers a variety of accounts tailored for financial institutions and corporate entities, including:
- Embedded Accounts: enable financial institutions and business to offer banking services within their own platforms.
- Settlement Accounts: securely manage cardholder deposits and transaction settlements.
- USD Accounts: access and manage US dollars with global reach.
- Blocked Accounts: securely segregate funds for compliance and transparency.
Zenus Bank follows strict US banking regulations and maintains robust security protocols to ensure financial institutions’ funds are protected at all times.
Zenus Bank' accounts support high-value transactions, enabling financial institutions to process large payments without restrictions.
Our API-driven infrastructure enables financial institutions and business to integrate Zenus Bank accounts directly into their platforms for seamless banking operations.
Our accounts support global transactions through SWIFT, FedWire, Visa B2B Connect, and other payment networks, ensuring seamless international fund movement.
Yes, through Embedded Accounts, businesses can provide Zenus-backed US bank accounts under their own brand.
Payment rails
Zenus Bank provides access to multiple payment rails, including:
- SWIFT & FedWire: global and domestic wire transfers.
- US ACH: cost-effective U.S. bank transfers.
- Stablecoins & Multi-Currency payments: digital and cross-border payment solutions.
- Card-to-Card transfers: instant transfers between cards.
- Visa B2B Connect: secure, high-value business transactions.
- Book Transfers: instant transfers between Zenus accounts.
- Fast Funds: real-time payment processing.
Zenus Bank's payment rails allow businesses to send and receive payments efficiently, securely, and globally, reducing transaction costs and improving cash flow management.
Yes, our API-driven payment infrastructure allows seamless integration, enabling financial institutions and corporates to process transactions directly from their systems.
Zenus Bank enables secure international wire transfers via SWIFT, allowing businesses and financial institutions to send and receive funds globally.
Visa B2B Connect is a cross-border payment network designed for corporate payments, providing fast, secure, and transparent transactions with lower fees than traditional correspondent banking.
Yes, companies can use US ACH payments to process payroll, vendor payments, and recurring transactions efficiently.
FedWire is an instant, high-value payments within the US, typically used for urgent or large transactions. While US ACH is batch-processed, lower-cost transfers for domestic payments, payroll, and vendor payments.
Financial institutions and corporates can send and receive payments in multiple global currencies, benefiting from competitive foreign exchange rates and seamless cross-border transactions.
Card-to-Card transfers allow instant money transfers between debit cards, providing businesses and financial institutions with a fast, real-time payment option.
Fast Funds enables instant settlement of funds for eligible card transactions, benefiting businesses that need immediate access to incoming payments.
Book Transfers allow businesses and financial institutions to instantly move funds between Zenus accounts without delays or intermediary fees.
Yes, Zenus provides support for select Stablecoins, allowing financial institutions and businesses to leverage blockchain-based payment options.
Stablecoin payments offer faster settlement times, lower transaction costs, and enhanced security, making them an efficient alternative for global payments.
Yes, Zenus infrastructure allows financial institutions to bridge digital and traditional finance, offering seamless conversions between fiat and Stablecoins.
Global card issuance
Zenus Bank provides BIN Sponsorship, processor-agnostic solutions, and fast-track card issuance, enabling financial institutions and corporates to launch their own branded payment cards efficiently.
Our solutions cater to banks, fintechs, payment processors, and corporate businesses looking to issue cards for their clients, employees, or business transactions.
Zenus Bank is a Visa Principal Member, allowing us to sponsor card programs and provide direct access to Visa’s global payment network.
BIN Sponsorship allows companies to issue Visa-branded debit, prepaid, or credit cards without needing their own direct license with Visa.
Zenus Bank provides a regulated banking infrastructure, compliance oversight, and direct integration with Visa, enabling financial institutions and corporates to launch card programs quickly.
With our fast-track onboarding, businesses can launch a card program in a matter of weeks instead of months.
Businesses can fully customize their cards, including branding, spending limits, and security features, to align with their needs.
Our processor-agnostic model allows businesses to integrate with any payment processor of their choice, providing maximum flexibility.
We adhere to strict US banking regulations, employ PCI DSS compliance, and offer real-time fraud monitoring for all transactions.
Zenus API-driven approach ensures seamless integration, allowing businesses to issue and manage cards efficiently through their platforms.
Our Fast-Track program simplifies onboarding, compliance, and integration, allowing businesses to launch a fully operational card program in record time.
Zenus Bank enables global card issuance, allowing businesses to provide payment solutions to clients worldwide.
Interested to learn more?
Our team is here to help with banking solutions, compliance, and more- ready to assist you.