Frequently Asked Questions

Zend! is a non-custodial money app that lets you send money to anyone using just their @username — no bank account numbers, no SWIFT codes.

Sending money with Zend! costs $0 in fees. We believe moving money should be as free as sending a message.

It means your keys — and your money — live on your phone. We cannot access your funds. Ever. You're always in full control.

Zend! transactions settle in about 15 seconds, anywhere in the world.

Zend! works globally. Whether you're sending from London to Lagos or San Francisco to Accra, it works the same way.

When you hold a balance in Zend!, you earn up to 7.2% annually on your funds — automatically, with no lock-up.

Yes. You can send to an email address. They'll receive a claim link and can create a Zend! account in under 2 minutes to collect the money.