# Zand

> Zand is a digital-first UAE bank combining traditional banking and on-chain services, powered by AI and blockchain, licensed by the Central Bank of the UAE.

The site is available in English (/en) and Arabic (/ar).

## Platform

- [Digital Asset Custody](https://www.zand.ae/en/products/digital-asset-custody): Bank-grade custody for digital assets.
- [AEDZ Stablecoin](https://www.zand.ae/en/products/zand-mint): Dirham-backed stablecoin issuance.
- [Blockchain Payment Gateway](https://www.zand.ae/en/products/blockchain-payment-gateway): Accept digital currency payments.
- [Payment Solutions](https://www.zand.ae/en/products/payment-solutions): Acquiring, gateway, FX, cross-border, Aani and WPS payroll.
- [ZandPay POS](https://www.zand.ae/en/products/zand-pay): In-store point of sale payments.
- [Banking as a Service](https://www.zand.ae/en/products/banking-as-a-service): BIN sponsorship, card programs and open finance APIs.
- [Commercial Escrow](https://www.zand.ae/en/products/commercial-escrow-services): Escrow for commercial transactions.
- [Real Estate Escrow](https://www.zand.ae/en/products/real-estate-escrow-services): Escrow for property developers.
- [Transaction Banking](https://www.zand.ae/en/products/transaction): Corporate accounts and cash management.
- [Treasury and Global Markets](https://www.zand.ae/en/products/treasury-and-global-markets): FX, hedging and liquidity.
- [Wealth Management](https://www.zand.ae/en/products/zand-wealth): Wealth services for professional investors.
- [Business Banking](https://www.zand.ae/en/products/sme-banking): Banking for small and medium businesses.
- [AI Solutions](https://www.zand.ae/en/products/ai-solutions): AI as a service for businesses.

## Who we serve

- [Mid and Large Corporates](https://www.zand.ae/en/industries/mid-large-corporates)
- [Small and Medium Enterprises](https://www.zand.ae/en/industries/small-medium-enterprises)
- [Government Related Entities](https://www.zand.ae/en/industries/government-related-entities)
- [Virtual Asset Service Providers](https://www.zand.ae/en/industries/vasps)
- [Fintechs](https://www.zand.ae/en/industries/fintechs)
- [Real Estate Developers](https://www.zand.ae/en/industries/real-estate-developers)

## Company

- [About Zand](https://www.zand.ae/en/about-us): Who we are and our leadership.
- [Security and Certifications](https://www.zand.ae/en/security-and-certifications): Licenses and compliance.
- [APIs](https://www.zand.ae/en/explore-apis): Developer APIs.
- [News](https://www.zand.ae/en/news): Press releases.
- [Blogs](https://www.zand.ae/en/blogs): Articles and guides.
- [Contact](https://www.zand.ae/en/contact-us): Get in touch.

## Optional

- [Privacy Policy](https://www.zand.ae/en/privacy-policy)
- [Terms of Use](https://www.zand.ae/en/terms-of-use)