ZEN Pay Wallet – Connect & Transfer

FIAT Wallet designed for CEX Users

Easy Deposit and Withdrawal With Instant Settlement.

Instant in. Instant out. Full control.
28 currencies. One single integration.
  • Local APM (Poland, Netherlands, Belgium) and bank transfers (PLN, EUR, RON)
  • Global APM (Cards, Google Pay, Apple Pay, Skrill, Netteler) and bank transfers (SEPA, SWIFT)
  • Cash deposits via ATM and local stores

Connect & Transfer – like Plug and Play.
See how it works for:

Existing ZEN User

Connection Flow
  • Click and Connect CEX and ZEN accounts
  • User ready to go!

New ZEN user (instant path)

Connection flow
  • Enter your phone number and OTP code
  • Enjoy instant deposits up to €1000 per tx

New ZEN User (regular path)

Connection flow
  • Enter your phone, get the ZEN.COM app, and complete KYC
  • Unlock instant deposits up to €10 000 per tx

Instant KYC Flow

Seamless onboarding that gets your users ready to go in seconds.

ZEN supports KYC reliance and Sumsub flows
for exchanging user KYC data between ZEN and CEX.
Provide ultimate user experience by using instant KYC flows when connecting accounts.
As the KYC processes happen, users simply accept the terms of the connection.

Unlock Instant Deposit/Withdrawal of FIAT from Your CEX

CEX Premium Local FIAT Balance

Dual Control Vault

A Backstage Pass
for FIAT

Secure, invisible, ready when needed. You stay in control.
They stay in the flow.
Your users get a dedicated ZEN account - held in local currency, created exclusively for transactions with your exchange. Invisible anywhere else: only your CEX sees it, only your CEX moves it.

Think Local. Settle global.

Cross-border feel. Local vibe.
Use the balance as-is. Or convert it. Capture in EUR, even if the user holds CZK, NOK, RON, PLN - ZEN supports 28 currencies and handles the conversion on the fly, so your process stays smooth.

Fees? Transparent. Logic? Impeccable.

Pre-authorized Balance

No external access. No leaks.
Every new deposit is automatically secured by an extended pre-authorization. Your CEX controls when and how funds are captured; ZEN holds and secures funds until an authorized transaction is executed.

28 local currencies at hand

  • Euro EUR · Euro
  • British Pound GBP · British Pound
  • Polish Zloty PLN · Polish Zloty
  • US Dollar USD · US Dollar
  • United Arab Emirates Dirham AED · United Arab Emirates Dirham
  • Australian Dollar AUD · Australian Dollar
  • Bulgarian Lev BGN · Bulgarian Lev
  • Canadian Dollar CAD · Canadian Dollar
  • Swiss Franc CHF · Swiss Franc
  • Renminbi (Chinese) Yuan CNY · Renminbi (Chinese) Yuan
  • Czech Koruna CZK · Czech Koruna
  • Danish Krone DKK · Danish Krone
  • Hong Kong Dollar HKD · Hong Kong Dollar
  • Croatian Kuna HRK · Croatian Kuna
  • Hungarian Forint HUF · Hungarian Forint
  • Israel New Shekel ILS · Israel New Shekel
  • Japanese Yen JPY · Japanese Yen
  • Kenyan Shilling KES · Kenyan Shilling
  • Mexican Peso MXN · Mexican Peso
  • Norwegian Krone NOK · Norwegian Krone
  • New Zealand Dollar NZD · New Zealand Dollar
  • Qatari Riyal QAR · Qatari Riyal
  • Romanian Leu RON · Romanian Leu
  • Saudi Riyal SAR · Saudi Riyal
  • Swedish Krona SEK · Swedish Krona
  • Singapore Dollar SGD · Singapore Dollar
  • Thai Baht THB · Thai Baht
  • Turkish Lira TRY · Turkish Lira
  • Ugandan Shilling UGX · Ugandan Shilling
  • South African Rand ZAR · South African Rand

Frequently Asked Questions

  • Is ZEN.COM regulated and trusted in the financial industry?

    Yes. ZEN.COM is licensed by the Central Bank of Lithuania and authorized in 31 countries, withadditional licenses in the UK and Singapore. We are a principal member of Mastercard, Visa,and other major payment systems.
  • With who ZEN.COM already collaborates?

    ZEN.COM provices FIAT on/off ramp services to the leading crypto exchanges like Binance,ByBit, OKX, Bitget, KuCoin, Zondacrypto, WhiteBit, Kanga, etc.
  • Which solutions we have already integrated with the leading crypto exchanges?

    ZENPay – solution trasted by the leading CEX like Binance, ByBit, Bitget, Zondacrypto,WhiteBit, any many others.

    Soluition allows the users of the platform to deposit and withdrawal 28 FIAT (EUR, USD, GBP,PLN, CZK, DKK, HUF, NOK,RON, SEK, CHF, THB, TRY, etc.) using all-in-1: Mainstream & localpayment methods (Cards, G/Apay, BLIK, bank transfers, iDeal, Trustly, SWIFT, open-banking,etc.) with instant Deposit & Withdrawal.

    0% chargebacks guaranteed with high limit: up to 50k EUR (2C users), up to 1mln (2B users)
  • Which currencies are supported for on-ramp and off-ramp?

    ZEN.COM supports 28 currencies for on-ramp and off-ramp - EUR, USD, GBP, PLN, AUD, CAD,CZK, DKK, HKD, HUF, ILS, JPY, KES, MXN, NZD, NOK, QAR,RON, SAR, SGD, ZAR, SEK, CHF,THB, TRY, UGX, AED

    The currencies can be exchanged anytime, the possibilty to send them out of the ZEN.COMaccount is only through SEPA transfer in EUR
  • How to start the onboarding process and how fast is the process for crypto companies?

    We offer streamlined onboarding for compliant crypto businesses, with dedicated accountmanagers and fast turnaround times. In order to start the onboarding process, please fill outthe form on our website - www.zen.com/contact-form/
  • What are the account fees, acquiring and other services for crypto-related business?

    Each case is reviewed individually, based on a risk assessment. Please, contact us, answersimple pre-check questions to get a tailored offer
  • Does ZEN.COM provide possibility to store my cryptocurrencies?

    ZEN.COM does not currently provide storing cryptocurrency service - only fiat currencies arestored. However, you can top-up your EUR account balance using supported cryptocurrenciessuch as Bitcoin (BTC), Ethereum (ETH), USDT, USDC, and Litecoin (LTC) and many more.
  • Does ZEN.COM offer acquiring solutions for crypto businesses?

    Yes, ZEN.COM provides card acquiring and alternative payment methods (APMs) like BLIK(PLN) - leading PSP in Poland.

From Card Payouts to
Cash Deposits - Pick What Fits.

  • ZEN Pay Wallet

    Fastest and fraud free deposit and withdrawal method supporting 28 local FIAT currencies.
  • Business Account for CEX

    SEPA Instant / SEPA + FIAT currency conversion.
  • Ecommerce Payment Gateway

    The payment gateway that grows your sales.
  • ZEN FlexPay

    Card issuing + POCO/COBO + SEPA Instant. Fast, flexible money movement - built to scale, ready to go.

Get started with ZEN

Ready to scale your crypto business with FIAT solutions that work?
Let’s have a super quick chat.
Book a call now