Foreign exchange, without the middleman
The real rate is the one banks quote each other. The rate you get is worse — then a transfer fee lands on top of it. You lose twice, and only one of those ever shows on the receipt. ZenFX hands the rate back to you: name your price, and it fills when someone takes the other side.
How it works
You have pounds and need francs. Across town, someone has francs and needs pounds. The old system puts a dealer between you and charges you both. ZenFX just introduces you.
Name the amount and the rate you'll accept. Take the live one now, or set your price and wait for it. Nobody sets it for you.
ZenFX finds someone wanting the opposite trade and pairs you at the mid-market rate. No dealer, no spread.
Your new currency lands on a card. Tap and pay wherever you're going, or hold it until you travel.
The film
Press play, then pick a length. Same story, cut for the time you have.
No dealer in the middle taking a cut. You both get the rate the banks quote each other.
Name the rate you'll accept, weeks or months out. It fills when someone takes the other side. If nobody does, nothing happens and your money stays put.
Every currency sits with a licensed Electronic Money Institution — a regulated firm whose job is holding customer funds. Never with ZenFX.
Independent systems all have to agree before a trade is final. Once they do, the record can't be quietly edited later — not by anyone, including us.
Every trade accounted for, gains calculated, formatted to the international reporting standard.
The real rate · Your money · Wherever you're going
A Zenotta Inc Holding Company
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Data Control Signature · US Patent 11,265,175 B2
What you get
Name the rate you'll accept instead of taking whatever you're handed. It fills when someone takes the other side — and if nobody does, your money stays put.
Going away in spring? Set your price now and leave it. Your travel money can be ready months before you've packed.
Banks and remittance firms take the spread and then charge a transfer fee on top. Matching directly removes the spread — so there's no dealer margin buried in your rate.
Every currency you hold gets its own card. Tap and pay abroad with what you already exchanged — no airport queue, no counting notes.
Each currency sits with a licensed Electronic Money Institution — a regulated firm whose job is holding customer funds. Never with ZenFX.
Independent systems must agree before a trade is final. Once they do the record is fixed, and nobody can quietly edit it afterwards.
What you gave, what you got, the rate and the moment — sealed, and verifiable by anyone you need to show.
Gains calculated on your chosen basis and formatted to the international standard, across seven jurisdictions.
Try it
ZenFX is in testing. Grab a build, place an order, watch it match and settle, and see the receipt land. Setup takes about two minutes.
Install.Install again.TestFlight app from the App Store.Accept, then Install.This is a test build. Trade with it freely — orders, matching, settlement and receipts all work end to end, and no real money moves. Balances and cards are for testing only.