01
Send abroad
Proposed digital outward remittance for approved retail and SME customers from Hong Kong to supported overseas beneficiaries.
Cross-border remittance · Hong Kong
Send.
Receive.
Across borders.
ZAANA is developing a digital, non-cash cross-border remittance platform for retail customers and SMEs in Hong Kong.
Hong Kong incorporated
Preparing to apply for an MSO licence
Digital, non-cash model
Pre-application notice: ZAANA Limited is preparing to apply to the Hong Kong Customs and Excise Department for a Money Service Operator licence. ZAANA does not currently provide regulated money service activities and will not commence such activities unless and until the required licence has been granted and launch conditions have been satisfied.
ZAANA
Proposed customer platform
Example transfer
HKD 10,000
Hong Kong → Thailand · illustrative only
SendCreate an outward remittance
ReceiveView inward transfer details
TrackFollow transaction status
BeneficiaryBangkokReady
CurrencyHKD → THBQuote
DeliveryBank accountProposed
Proposed services
Cross-border payments without unnecessary complexity.
02
Receive in Hong Kong
Proposed inward remittance flows for approved Hong Kong retail and SME beneficiaries through regulated banking and payment channels.
03
FX when required
Foreign exchange would be used only where necessary to complete an underlying remittance. Standalone FX is outside the proposed initial launch scope.
Who ZAANA is being built for
One platform. Two customer groups. Different payment needs.
Retail
Personal transfers, made clear.
For eligible individuals with legitimate cross-border payment needs linked to Hong Kong and supported corridors.
- Family and personal transfers
- Education, travel and accommodation payments
- Own-account international transfers
SMEs · principal commercial focus
Built around business payments.
For Hong Kong SMEs with recurring international payment requirements and a need for transparent transaction terms.
- Supplier and invoice payments
- Import / export and trade-related payments
- Consultants, contractors and eligible payroll-related payments
Proposed Phase 1 corridors
Hong Kong connected to selected Asian markets.
Hong Kong ↔ Thailand
Thailand
Proposed inward and outward retail and SME remittance corridor.
HKDUSDTHB
Hong Kong ↔ Indonesia
Indonesia
Proposed inward and outward retail and SME remittance corridor.
HKDUSDIDR
Hong Kong ↔ Philippines
Philippines
Proposed inward and outward retail and SME remittance corridor.
HKDUSDPHP
Phase 2 may add Singapore, Malaysia and Vietnam together with SGD, MYR and VND, subject to legal and AML/CFT/CPF assessment, any required regulatory notification or approval, banking and settlement arrangements, technology readiness and internal approval.
Proposed transaction journey
From onboarding to settlement. Every step controlled.
01
Onboard
Remote KYC/KYB, screening and customer-risk assessment.
02
Set beneficiary
Capture and validate beneficiary and route information.
03
Review quote
Show amount, fee, exchange rate where applicable and expected payout.
04
Fund & screen
Match approved funding and apply transaction controls before release.
05
Settle
Execute through approved banking and payment infrastructure and reconcile.
ZAANA for business
A proposed remittance platform designed around SME payment flows.
ZAANA's commercial focus is Hong Kong SMEs with recurring legitimate cross-border payments. The proposed service combines digital onboarding, beneficiary management, transaction quotation, status tracking and compliance controls in one workflow.
Use caseSupplier & invoice payments
Use caseImport / export payments
ExperienceMobile-responsive web platform
Future capabilityAPI access for approved SMEs
ModelDigital and non-cash
Compliance & controls
Compliance is part of the product design.
The proposed operating model keeps customer acceptance, risk decisions, transaction approval and regulatory responsibility with ZAANA.
Onboarding
Remote KYC & KYB
Identity and entity verification, beneficial ownership checks, screening and documented customer-risk assessment before activation.
Screening
Sanctions, PEP & adverse media
Relevant customers, owners, representatives, beneficiaries and transaction parties would be screened throughout the relationship.
Monitoring
Transaction monitoring
Proposed controls assess transaction activity against customer profile, expected activity, source of funds, corridor and beneficiary risk.
Funds
Approved electronic channels
The proposed model is non-cash. Customer and settlement funds would be received through approved banking or payment channels and used only for the relevant remittance, return or refund.
Proposed pricing approach
Know the transaction terms before you accept them.
Customer disclosure
Transparent.
ZAANA's proposed commercial model combines a remittance transaction fee and, only where currency conversion is required, an FX margin.
Before confirmation, the proposed platform will show:
Amount to be remittedShown
Source & destination currenciesShown
Exchange rateWhere applicable
Transaction feeShown before acceptance
Expected beneficiary amountShown
Company & regulatory status
Clear about where ZAANA stands today.
Pre-application · pre-launch
ZAANA Limited is preparing to apply for a Hong Kong Money Service Operator licence.
ZAANA has not commenced regulated money service activities. The proposed remittance business will not launch unless and until the required MSO licence has been granted by the Hong Kong Customs and Excise Department under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615) and all applicable operational, banking, technology, governance and compliance conditions have been satisfied.
Legal entityZaana Limited
Business Registration No.80635649
Incorporated15 June 2026 · Hong Kong
Intended licensing authorityHong Kong Customs and Excise Department (C&ED)
Registered addressUnit 1603, 16/F, The L. Plaza, 367–375 Queen's Road Central, Sheung Wan, Hong Kong
Local management officeUnit 10106, 10/F, YF Life Tower, 33 Lockhart Road, Wan Chai, Hong Kong
Entity statusHong Kong body corporate · private company limited by shares
Company secretaryOsome Limited
Financial year end31 May
Legal & compliance
Planned controls, explained plainly.
Risk-based framework.
ZAANA is preparing documented controls covering CDD, beneficial ownership, sanctions, PEPs, transaction monitoring, suspicious transaction escalation and record-keeping.
Approval before access.
Customers would not be activated until onboarding, screening, customer-risk assessment and required approval steps have been completed.
Transaction-only use.
Customer and settlement funds are intended solely for the execution, settlement, return or refund of the relevant remittance and not for ZAANA's operating expenditure.
Controlled access.
The proposed framework includes least-privilege access, segregation of duties, audit logging, incident response, business continuity and secure information handling.
No cash model.
ZAANA does not propose to operate a customer-facing cash counter, cash-acceptance network or standalone telephone/email transaction channel.
Responsibility stays with ZAANA.
Specialist providers may support technology and compliance processes, but regulatory responsibility, customer acceptance and key risk decisions would remain with ZAANA.
Standalone Hong Kong entity.
ZAANA Limited is a standalone Hong Kong company. Its proposed licensed money service business would be conducted by ZAANA Limited itself, subject to obtaining the required MSO licence.
Built in Hong Kong. Preparing for what comes next.
ZAANA is currently in pre-application and implementation mode and is preparing its MSO licence application. The website and product screens shown here describe the proposed future operating model and do not constitute an offer of regulated money services.