What it does
Zenus Infrastructure in four products.
01
Virtual accounts
Dedicated US dollar accounts opened by API for a platform's individual or corporate customers, with all funds in the platform's master account.
02
Card programmes
Visa debit, credit, prepaid, corporate and crypto-linked cards issued under Zenus's BIN. The programme manager picks the processor; Zenus handles sponsorship, settlement, reserve and compliance.
03
Payment rails and FX
SWIFT, Fedwire, ACH, internal book transfers and J.P. Morgan's Kinexys for 24/7 settlement, with payouts in 33 currencies.
04
Stablecoin infrastructure
USDC and other stablecoins on and off the account, with a wallet address for each master or virtual account.
Who uses it
The companies that build on Zenus Infrastructure.
Types of client
- Banks and credit unions
- Fintech platforms
- Enterprise brands
- Stablecoin issuers
- Card programme managers
Accounts on Finzil that use Zenus Infrastructure
Other clients Zenus Infrastructure names
- ECS Fin
- Mela Finance
- Foren (formerly Leatherback)
- PurplePlum
Coverage
Where the money can go.
Zenus Bank closed its retail banking platform on 22 October 2025 and now serves institutions and companies.
- US dollar accounts for customers in
- 180+ countries
- Payout currencies
- 33
Show all 33
- USD
- MXN
- EUR
- GBP
- CHF
- SEK
- NOK
- DKK
- PLN
- CZK
- HUF
- ISK
- GEL
- HKD
- SGD
- NZD
- ILS
- KWD
- TRY
- XCD
- BSD
- BBD
- BMD
- KYD
- JMD
- XCG
- SRD
- ETB
- GMD
- GHS
- MAD
- MUR
- ZMW
- Payment rails
- SWIFT, Fedwire, ACH, book transfers, Kinexys, Visa B2B Connect, Visa Direct and Mastercard Send
- Cards
- US-originated Visa cards in more than 100 markets; Visa Principal Member
- No accounts or payments from
- 18 countries and regions, plus Puerto Rico residents unless authorised
Show all 18
- Belarus
- Crimea
- Democratic Republic of the Congo
- Cuba
- Iran
- Iraq
- Libya
- Nicaragua
- North Korea
- Russia
- Somalia
- Syria
- the Balkans
- Central African Republic
- the Donetsk and Luhansk regions of Ukraine
- Venezuela
- Yemen
- Zimbabwe
Licences
Every Zenus Infrastructure licence.
| Country | Licence | Company and number |
|---|---|---|
 Puerto Rico | International Financial EntityOffice of the Commissioner of Financial Institutions (OCIF) · Not FDIC-insured; run as a full-reserve bank that does not lend client deposits | Zenus Bank International, Inc.IFE-061 |
For your business
Banking with an app built on Zenus? Check who holds the dollars.
Fintechs and platforms use Zenus for US dollar accounts and cards. Three things to check:
Whose account it is
A virtual account gives you account numbers, but the funds sit in the platform's master account at Zenus. Read the terms for who owes you the money.
Not FDIC-insured
Zenus is a Puerto Rico International Financial Entity, not an FDIC member. It holds client balances in full as cash, but there is no federal deposit insurance.
Keep a second account
Two apps on the same partner can fail together. A second account issued by a different institution keeps salaries and suppliers paid.
FAQ
Your questions, answered.
Can my company open an account with Zenus?
Yes, through the sales team: Zenus Bank opens US dollar accounts for companies, with its own profile on Finzil. This page covers Zenus's infrastructure for banks, fintechs and platforms, which is sold by API.
Is Zenus FDIC-insured?
No. Zenus Bank is an International Financial Entity chartered in Puerto Rico and supervised by OCIF, and its pages say it is not FDIC-insured. It says it is a full-reserve bank that does not lend client deposits.
Who does Zenus not serve?
Zenus will not open accounts or process transactions from countries sanctioned by OFAC and others it selects: Belarus, Crimea, Democratic Republic of the Congo, Cuba, Iran, Iraq, Libya, Nicaragua, North Korea, Russia, Somalia, Syria, the Balkans, Central African Republic, the Donetsk and Luhansk regions of Ukraine, Venezuela, Yemen, Zimbabwe. It does not do business with Puerto Rico residents unless authorised.
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