European fintech ZEN.COM is reinforcing the foundations of its growth through a strategic partnership with Lithuania-based SME Bank. The collaboration includes the opening of additional safeguarded accounts and access to solutions that boost operational efficiency, marking a key step in building a scalable and secure payments infrastructure in the region.
Under the agreement, ZEN.COM will launch additional safeguarded accounts held with SME Bank, fully compliant with PSD2 and European regulatory requirements. This new structure enhances customer fund protection and diversifies ZEN.COM’s existing financial infrastructure. The company will also benefit from interest-bearing accounts, enabling improved liquidity management and greater operational efficiency as its European presence grows.
Trusted Infrastructure Supporting International Growth
The partnership with SME Bank is part of ZEN.COM’s strategy to build secure and scalable financial services on a pan-European and global scale. It strengthens the company’s growth foundations based on regulatory compliance, operational trust, and a multi-layered financial infrastructure.
“We are building infrastructure that protects what matters most – our customers’ money” said Michał Bogusławski, CEO Europe at ZEN.COM. “Our partnership with SME Bank strengthens our operating model, supports liquidity management, and provides opportunities for further scalability. Trust and regulatory compliance are the pillars on which we build our growth.”
Greater Operational Flexibility and Service Development
Through this collaboration, ZEN.COM expands its network of regulated partners and increases operational resilience in core business areas. Interest-bearing accounts and precise liquidity planning – under the oversight of the Bank of Lithuania – will support the development of services such as card top-ups, cross-border transfers, payments, and embedded finance.
An Additional Layer of Fund Protection for Customers
ZEN.COM customers will gain added safeguarding for their funds and access to fully compliant digital services that meet European standards. This step further enhances the company’s stability and financial security.
SME Bank Strengthens Position as a Banking Infrastructure Provider for Fintechs
For SME Bank, the partnership represents another milestone in its role as an infrastructure provider for the fintech sector. Working with one of Europe’s largest licensed electronic money institutions reinforces the bank’s commitment to developing modern financial services.
“Our cooperation with ZEN.COM confirms our strategic role in developing the European fintech ecosystem” said Dovilė Bansevičienė, CCO at SME Bank. “We are expanding our services for e-money and payment companies while remaining a trusted partner for SMEs. ZEN.COM is one of the most innovative fintechs in the region, and the safeguarded, interest-bearing accounts we provide ensure high regulatory compliance, operational efficiency, and liquidity.”
Partnership with SME Bank – Another Milestone in ZEN.COM’s Growth Path
The collaboration with SME Bank is a cornerstone of ZEN.COM’s development strategy. The company continues its expansion in Europe and Asia, investing in secure, trusted, and scalable financial infrastructure for both individual and business clients.
