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Về Fizen
Fizen is a Vietnam-based Web3 digital bank built from three products: Fizen Ramp, a fiat-to-crypto exchange; Fizen Super App, a multi-chain non-custodial wallet connected to the Ramp; and Fizen Pay, a crypto payment gateway for merchants. It addresses the gap between Southeast Asia's QR payment habits and actual crypto ownership: users hold USDT and other assets but cannot spend them in everyday VietQR checkout flows. Merchants receive stablecoins through Fizen Pay, while consumers can scan and pay with a card, a bank account or crypto balances, with conversion happening inside the app.
In Vietnam and Southeast Asian payments, Fizen positions itself as the gateway between on-chain asset holders and local QR clearing networks, dividing labor with local e-wallets and banking apps, which serve fiat account rails while Fizen handles conversion and acquiring between crypto and fiat. Note that the similarly named Fizen is a Central and Eastern European open-banking provider and is a different entity. The three products cover the full pipeline from on-ramp to holding to spending, with merchant acquiring and the personal wallet sharing one conversion stack.
In September 2026, Fizen added tokenised US stocks and ETFs inside its self-custody wallet, letting users buy more than 100 tickers directly with USDT or USDC on Ethereum and return sale proceeds to the same wallet; its app-store listing shows more than 500,000 users, eSIM coverage in over 150 countries and remittances to 64 countries.
Fizen holds a strategic investment from Tether and sells one USDT balance as the rail for payments, remittances, investing and travel: a Visa card issued under a Singapore licence, local QR payment in Vietnam and the Philippines, and revenue from card and remittance spreads rather than asset custody, with keys staying with the user.
Future strategy and roadmap: Fizen plans to keep turning travel and remittance use cases into everyday stablecoin entry points, broaden tokenised equities and Treasury products, and add local acquiring in more markets; licensing and the distribution boundaries for tokenised securities are the main variables.
Leo Vu — Co-founder & CEO; started programming at age 8; IT degree from James Cook University Singapore and master's in business from University of Lille 1; former head of blockchain at FPT Software; CTO and co-founder of US SaaS company Up Sign Down since 2013.
Vinh Vu — Co-founder & CTO; over 12 years in IT development; former head of the blockchain department at FPT Software; covers database, backend, mobile and system architecture.
Fizen charges a 0–1% fee on QR Pay transactions based on the transaction amount, with the rate varying by promotional period and frequent zero-fee windows; USDT top-ups are fee-free per the official description, with users bearing only on-chain gas.