As the company emphasizes in its statement, for zen.com Hong Kong is not just a point on the map, but a strategic gateway to the whole of Asia. The license will enable the development of financial services focused on cross-border payments, which is of key importance for partners from the e-commerce sector.
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“We are building a global financial institution based on a solid regulatory infrastructure. After obtaining a banking license in Ukraine, the next step is Hong Kong – one of the key financial hubs in the world,” emphasizes Dawid Rożek, president of the management board of zen.com.
Regulatory puzzle: Europe, UK, Asia
ZEN.COM emphasizes that currently the company's infrastructure is based on five key regulatory pillars:
- EEA countries: Electronic money institution (EMI) license from the Bank of Lithuania
- Great Britain: Supervision by the British regulator FCA
- Ukraine: A banking license providing a solid financial foundation
- Singapore: Licensed under the supervision of the Monetary Authority of Singapore (MAS)
- Hong Kong: Newly obtained MSO license.
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Maciej Rynarzewski, Strategy & Expansion Director at zen.com, explains this architecture in a simple way: “Europe gives us scale, Great Britain gives us access to our most important market, Ukraine gives us the banking foundation, and Hong Kong gives us access to Asia. It's a well-thought-out system, not a point presence” – says.
There is a comment by Andrzej Duda
Former president Andrzej Duda commented on the obtaining of a license by zen.com in Hong Kong on the X platform. Former president Andrzej Duda joined the supervisory board of the fintech zen.com in October 2025, shortly after the end of his term.
As he wrote, this is a big opportunity for the Polish economy. “In practice, this means strengthening the economic position of Poland and Polish capital in the Three Seas area (Central Europe) and East Asia“- he said.
Zen.com is a global financial application that already serves over 1.5 million individual customers and 10,000 companies in over 30 markets. The annual volume of processed transactions is counted in billions of euros.
The platform combines everyday finances with shopping, offering users multi-currency accounts and currency exchange, instant cashback for payments and purchase protection, and for companies – infrastructure for accepting payments and issuing cards.
