ZEN.COM has officially launched in the United Kingdom, following a regulatory process and the establishment of a locally licensed entity operating under UK oversight. The move represents a structural step in building a global, multi-licence fintech infrastructure, rather than a standard market entry.
The UK launch follows ZEN.COM's steady expansion across 32 markets since its commercial debut in November 2020. In parallel, the company has built a robust regulatory and compliance infrastructure, including safeguarding arrangements that support its operations in one of the world’s most demanding financial environments. Client funds are held in segregated accounts with partner banks, in line with regulatory requirements, ensuring full separation from ZEN.COM’s operational funds.
A Two-Sided Ecosystem Connecting Consumers and Businesses
At the core of ZEN.COM's model is a two-sided ecosystem, where growth on the consumer side drives growth on the merchant side and vice versa. This network effect enables the company to scale both financial services and payment infrastructure simultaneously.
Consumers gain access to a multi-currency account, globally accepted payment cards, instant cashback, and ZEN Care, the company's purchase protection feature covering eligible transactions. Businesses, meanwhile, receive a payment gateway that supports more than 100 payment methods and enables them to accept payments from customers globally with instant settlement capabilities.
"The result is a network where growth on the consumer side drives growth on the merchant side, and vice versa. A two-sided dynamic that strengthens the entire platform with every new user," said Michał Bogusławski, CEO Europe at ZEN.COM.
Scale and Growth Across Markets
Since launching commercially in 2020, ZEN.COM has grown to over 1.5 million active individual customers and more than 10,000 business clients, processing billions of euros in transaction volume annually. This growth reflects increasing demand for financial services that operate seamlessly across currencies, markets, and user segments.
Infrastructure Built for Scale
ZEN.COM operates with direct access to global payment networks, enabling it to issue cards and process payments without intermediaries. This supports greater control over costs, speed, and product quality.
Foundation for Further International Expansion
The UK launch strengthens ZEN.COM's ability to scale both its consumer offering and payment infrastructure in one of the world's leading e-commerce markets. At the same time, ZEN.COM is expanding into new strategic markets, including Ukraine, where it plans to build a locally relevant financial offering and strengthen financial connections between Ukraine and the European Union. The company plans to leverage its UK experience to streamline future market entries and continue building a global ecosystem connecting merchants and consumers.
"We combine payments, competitive exchange rates, purchase protection, and price benefits in a single ecosystem. Our focus is to simplify the financial experience and deliver real value in every transaction. The UK is one of the most competitive fintech markets globally, and this launch is an important step in scaling our model internationally," said Bogusławski.
About ZEN.COM
ZEN.COM is a global payment ecosystem operating across 32 markets, connecting consumers and businesses through a unified financial infrastructure. Since launching commercially in November 2020, the company has grown to over 1.5 million active individual customers and more than 10,000 business clients, processing billions of euros in transaction volume annually. A principal member of both Mastercard and Visa, ZEN.COM issues cards and processes payments directly without intermediaries. The company offers consumers a multi-currency account, globally accepted payment cards, instant cashback, and ZEN Care purchase protection, while equipping businesses with a payment gateway supporting more than 100 payment methods and instant settlement capabilities. ZEN.COM holds regulatory licences across the European Economic Area and the United Kingdom. To learn more about its global payment ecosystem and UK market launch, visit the www.zen.com.
Media Contact
Marta Tyszer
marta.tyszer@zen.com
