About Zand Bank
Zand is a digital-first bank redefining traditional and on-chain banking through AI and blockchain. Licensed and regulated by the Central Bank of the UAE, the Virtual Assets Regulatory Authority (VARA) for digital-asset custody, and the Securities and Commodities Authority (SCA) for wealth management, Zand combines institutional-grade trust with deep regional and global expertise, to deliver innovative financial solutions to corporate, institutional, SME, fintech, and wealth clients. Zand is rated BBB+ by Fitch Ratings, and is ISO certified and SOC 2 Type II compliant for Web3 services.
Our Mission
Zand seeks to revolutionize the future of financial services through AI and blockchain-powered innovation. By seamlessly connecting traditional and on-chain banking, Zand aims to empower corporate, institutional, SME, fintech and wealth clients with trusted, client-centric solutions, to help them thrive in the evolving digital economy.
To build the treasure of the future for our clients
To be the most pioneering AI-powered digital bank
To embrace the digital assets ecosystem
To integrate TradFi and DeFi
To provide secure, efficient, and personalized experiences
To be the most sustainable bank
Our Purpose
Zand was founded to support the digital economy by providing agile, innovative financial solutions that facilitate traditional and on-chain banking to work seamlessly together. As the first fully licensed digital bank in the UAE, Zand combines the speed and innovation of a fintech, with the security and trust of a bank, enabling clients to navigate and thrive in the evolving digital economy. Our purpose is to empower innovators, ambitious leaders, and bold pioneers to shape the future of finance and unlock new opportunities for success, by leveraging innovation, AI, and blockchain technology.
Board of Directors
Meet the leaders guiding Zand's vision to build the bank of the future.
Message from our CEO
Michael Chan
CEO
As we stand at the forefront of the digital revolution, Zand is unveiling a series of pioneering innovations set to redefine the banking landscape. Our streamlined financial services, bolstered by advanced security protocols and the integration of AI and Blockchain technologies, are designed to elevate the financial well-being of businesses and individuals alike. With Zand, you gain a partner that empowers you with the tools, insights and innovation solutions to thrive in an ever-evolving digital economy and ecosystem.
Join us at Zand, where banking transcends transactions and becomes a catalyst for growth and opportunity. Together, we are not just part of the digital evolution, but its architects.
Welcome to the future, welcome to Zand!