About Zand
Zand, the AI-powered bank for the digital economy and first fully licensed all-digital bank in the United Arab Emirates was founded to support the digital economy and bridge the gap between Traditional Finance (TradFi) and Decentralized Finance (DeFi).
Our Mission
Zand’s mission is to revolutionize the world of finance by leveraging Innovation, AI, and Blockchain Technology. We provide client-centric solutions that bridge the gap between Traditional Finance (TradFi) and Decentralized Finance (DeFi), empowering our corporate, institutional, fintech, and wealth clients in the UAE and globally to thrive in the evolving digital economy.
Our Purpose
Zand was founded to support the digital economy by providing agile, innovative financial solutions that bridge the gap between Traditional Finance (TradFi) and Decentralized Finance (DeFi). As the first fully licensed all-digital bank in the UAE, we combine the speed and innovation of a fintech, with the security and trust of a bank, enabling our clients to navigate and thrive in the evolving digital world. 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.
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
Board of Directors

Mohamed Alabbar
Chairman

Mohammed Almazrouei
Vice Chairman

Hamad Aldarwish
Board Member

Adnan Abdulfattah
Board Member

Raja Al Mazrouei
Board Member

Talha Alhashimi
Board Member

Gregory Johnson
Board Member

Yousuff Ali
Board Member

Sushil Agarwal
Board Member
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—we are its architects.
Welcome to the future, welcome to Zand!
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—we are its architects.
Welcome to the future, welcome to Zand!