About Zenus
Founded in 2019 to enable banking beyond borders, Zenus Bank operates at the intersection of traditional finance and cutting-edge technological innovation as a fully licensed US-regulated institution.
Who We Are
Founded in 2019 with a mandate to enable banking beyond borders, today the organization enjoys a global presence and is recognized in the industry as a forefront innovator. Zenus Bank operates at the intersection between traditional finance and cutting-edge technological innovation.
As a fully licensed bank, it offers the security, stability, and convenience of a US-regulated financial institution. Meanwhile, as a technology pioneer, Zenus is spearheading the world’s transition towards Banking-as-a-Service. By enabling other organizations to leverage its patented processes, Zenus Bank is helping to introduce a new era of new, exceptional financial services.
Where We're Heading
To create a world where physical borders don’t limit the financial services you have access to.
To build a financial institution that gives people and businesses across the world access to the security, freedom and convenience of US banking.
Leadership Team
We have the perfect blend of banking, technology experience and entrepreneurial drive at the helm.
Mushegh Tovmasyan, Chairman of Zenus Bank, is a seasoned financial services expert. He brings C-Level management experience in regulated financial services companies on four continents. Mushegh’s vision drives Zenus Bank’s mission to redefine financial services for emerging economies.
An experienced banker with a proven history and performance in the commercial and retail banking industry. Jose used to manage the Puerto Rico operations of various top-tier banks such as Citi, Santander and Scotiabank and held board advisory roles at MasterCard and Visa.
Jacinto brings over 30 years’ experience from Visa Inc, where, among other responsibilities, he led Risk Management for Latin America and the Caribbean. In addition, he is the president and founder of a payments consultancy firm which provides services across credit, debit, and pre-paid products.
Zenus is assembling a team with skills from several industries to build the fintech of the future, today.
We're hiring!
Awards & Recognition
We celebrate our achievements as reminders of our positive impact on the world.
Best Regulations & Compliance in Payment Solution Best New Payments Brand
Best Mobile App for Consumers Best Use of Tech in Retail
Platinum in Payments and Wallets Platinum in Payments Solution Gold Award in Payment Solution
Top Innovations in Finance Mobile Banking & Apps
Top Innovator in Finance Mobile Banking & App
Brand Refresh: Brand and Web
Finance and Insurance Mobile and App Marketing
Open Banking & Hyper-Personalisation Solution
Best Contribution to Economic Mobility
Best Embedded Finance Initiative
Top Innovation in Banking
Best Mobile App for Consumers
Best Use of Tech in Retail
Best Cross-Border Payments Infrastructure
Currency Exchange of the Year
Best Anti- Fraud/AML Solution
Best Banking as a Service Provider
Best Embedded Finance Solution
Top Innovation in Payments
Best Cross- Border Payment Solution
Best Embedded Payment Solution
Best Mobile Payments for Consumers Initiative
Best Consumers Cards Initiative
Best Contribution to Economic Mobility in Payments
Top payment innovation in Banking
Best App User Experience (CX Initiative)
Our Partners
Zenus is enabling fintechs and non-finance organizations to build the next generation of cross-border embedded finance products, and we’re not doing it alone.
We collaborate with a network of industry-leading partners, each bringing their expertise to ensure that we leverage best-in-class technology to drive our banking and payments operations. Our partners play an essential role in helping us make our vision of Banking beyond borders a reality.
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Questions Answered
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 virtual accounts, settlement accounts, multi-currency services, and global card issuance, tailored to the needs of financial institutions, fintechs, and corporate clients. Learn more.
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.
Get on the Network
Banks, fintechs, stablecoin issuers and multinational corporations run on Zenus.