ZEN.COM, a global financial platform, has obtained a Money Service Operator (MSO) license in Hong Kong. This marks another step in the company’s international expansion strategy and confirms its ability to meet some of the most demanding regulatory standards worldwide.
The Hong Kong license – granted in one of the world’s leading financial hubs – strengthens ZEN.COM’s presence in Asia and, most importantly, demonstrates the company’s capability to operate within highly complex and stringent regulatory environments.
Hong Kong as a gateway to Asia
Hong Kong remains one of the world’s key financial centres and a natural gateway to the Asian market. The MSO license enables ZEN.COM to expand its financial services in the region and further strengthen relationships with global partners, particularly in e-commerce and cross-border payments. The company is currently finalising operational requirements ahead of launching its activities in the market.
Obtaining the Hong Kong license is part of ZEN.COM’s long-term strategy, which focuses on geographic diversification, building a full financial stack – from payments to banking – and developing a stable, global regulatory infrastructure.
“We are building a global financial institution based on a strong regulatory infrastructure that allows us to scale across jurisdictions. Following the acquisition of a banking license in Ukraine, Hong Kong is the next step – one of the world’s key financial hubs. We are focused on long-term growth, built on the highest compliance standards and solid operational foundations,” said Dawid Rożek, CEO of ZEN.COM.
A coherent Model: Europe, UK, Ukraine, Asia
ZEN.COM’s business model is based on integrating multiple regulatory frameworks into a single, scalable system. The company operates based on:
- an Electronic Money Institution (EMI) license issued by the Bank of Lithuania (Lietuvos Bankas) and passported across the EEA,
- a regulated activity in the United Kingdom under the supervision of the Financial Conduct Authority (FCA),
- a banking license in Ukraine,
- a regulated activity in Singapore under the supervision of the Monetary Authority of Singapore (MAS),
- and, as of now, a Money Service Operator (MSO) license in Hong Kong.
Each of these elements plays a distinct role in building a global financial infrastructure – from payments and acquiring to banking.
“We are not building a fragmented presence, but a system designed from the ground up. Europe gives us scale, the UK provides access to one of the world’s leading financial markets, Ukraine builds our banking foundation, and Hong Kong opens the door to Asia. Each element has a clear role and together they form a coherent global operating model,” said Maciej Rynarzewski, Strategy & Expansion Director at ZEN.COM.
Global scale built on regulation
ZEN.COM continues to expand its presence based on strong regulatory and operational foundations. The company operates across 33 markets, serving over 1.5 million individual customers and more than 10,000 business clients, and processes billions of euros in transaction volume annually.
What is ZEN.COM?
ZEN.COM is a global financial app that combines money management and shopping in one place. Users can pay, send money, exchange currencies, and manage their spending. They also benefit from instant cashback on everyday payments and earn rewards points that can be redeemed for shopping refunds. Additional features include purchase protection and extended warranty.
ZEN.COM also provides solutions for businesses, supporting global payment acceptance, offering multi-currency accounts, and enabling card issuing infrastructure.
The platform operates in 32 markets and serves over 1.5 million individual customers and more than 10,000 businesses. It offers a wide range of local payment methods and processes transactions worth billions of euros annually.
ZEN.COM was built on a simple idea: money should work in the background and make everyday life easier. That is why the company focuses not only on the transaction itself, but on the entire experience around it – from payments and security to added value for users.
