Zena provides an AI‑driven expense card that automatically tags each transaction into user‑defined Buckets for projects, clients, or personal spend, creating real‑time, audit‑ready logs. The platform offers instant funding via linked bank accounts, virtual cards per Bucket, and a rewards engine delivering cash‑back and discounts on business tools, all with no fees or credit checks. It supports freelancers to large enterprises seeking automated expense tracking and tax optimization.
Funding
Funding not disclosed
Founders
Product
Problem
Individuals and businesses often struggle to keep personal, client, and project expenses separate, leading to manual categorization, missed tax deductions, and difficulty maintaining audit‑ready records.
Solution
Zena offers an AI‑driven expense card that automatically classifies each transaction into user‑defined Buckets representing projects, clients, or personal spend. The card draws from a linked Zena Balance, which can be funded instantly via bank transfers, and operates with no fees or credit checks. AI-powered tagging assigns appropriate expense categories in real time, generating clean, audit‑ready logs for tax reporting. Users also receive cash‑back and discount rewards on popular business tools such as Canva and Meta Verified. Team members can be invited to shared Buckets, each with its own virtual card, providing granular visibility across the organization.
Target Audience
Freelancers, gig workers, creators, and small to large businesses that need automated expense tracking, tax optimization, and reward incentives for everyday spending.
Features
- AI‑based transaction categorization that auto‑tags spend into customizable Buckets (project, client, personal) without manual input
- Separate virtual cards per Bucket, enabling instant labeling of purchases at the point of sale
- Real‑time expense dashboard with drill‑down by card, client, or category and exportable audit‑ready reports
- Integrated rewards engine delivering up to 30% cash back and rotating discounts on business‑essential services
- Instant funding of the Zena Balance via bank account linkage, powered by Stripe’s PCI‑compliant infrastructure and issued by Celtic Bank
- Team collaboration tools allowing administrators to assign cards to employees and control spend limits per Bucket
- No annual fees, no credit check, and free card issuance for both freelancers and incorporated entities