Digital “Challenger” banks first made in-roads with consumers who lost faith with traditional brick and mortar banks following the global financial crisis of 2008. These startups “challenged” the traditional incumbent business model by offering an affordable transparent fee structure, providing faster services, and delivering a better user experience through always-available digital interfaces. What sets Zenus apart is its International Banking license which allows it to accept and service customers from any non-sanctioned country around the world – something most digital and traditional banks are not allowed to do under their local regulations. Every country in the world has its rules, regulations and limitations. What we are proposing is for people to consider using a US Bank a complement to what is available to them in their own country. Money held with Zenus bank will be governed by the rules and regulations that applies to US institutions.