Treezor is a fintech approved by the French regulator (ACPR) and was acquired in 2019 by the Société Générale group. The partnership with Treezor, as a Principal Member of the Mastercard network since 2016, will allow ZELF to issue virtual Mastercard debit cards to its users.

Debit card in 30 seconds from any messenger

ZELF technology provides the fastest and most lightweight payment experience to date. Its most unique feature is the ability to issue virtual cards in less than 30 seconds through messengers (Facebook Messenger, WhatsApp, Viber, Telegram, LINE and soon Discord), with an easy, but fully KYC & AML compliant onboarding, and to start sending and receiving money in a messenger of their choice. For offline and online purchases, the cards will support mobile NFC Xpay technologies, thanks to Treezor’s and Mastercard’s tokenization platform

“With 84% of screen time taken by 5 apps, mostly messengers, we will make sending and receiving money as easy as sending a message.  Instant notifications, voice commands instead of buttons, simple invoicing and QR codes are some of the messenger banking features that will simplify the financial routine and bring money matters to the default apps of today – the messengers,” Elliot Goykhman, Founder and CEO of ZELF.

Most financial operations can be controlled by voice

«Send Michel €20 for lunch», «Ask Dad €30 for gasoline» and «Show recent transactions» are just a few examples of voice banking commands. ZELF’s voice recognition and AI work via voice memo mechanisms. In the near future it will be available in hardware manufacturers’ voice assistants – Siri, Google Assistant, Amazon Alexa, and LINE’s Clova.

A community-building & innovative referral approach

Zelf opens sign-ups for the cards in France and Spain. The brand took an informative and community building approach for its launch campaign with an innovative multi-level referral program.

About Zelf

Founded in 2018 by Elliot Goykhman, seasoned banking executive and serial entrepreneur, ZELF was created to build banking experience for messengers with the fastest onboarding.  Elliot and his team focused on building the chatbot banking platform, where users control their money from the messenger of their choice.  ZELF technology works seamlessly in Facebook Messenger, WhatsApp, Viber, LINE, Telegram and WeChat, and its reliability has already been proven in several white-label licensing deals, most notable of which is the launch of MTS Cashback Lite Mastercard card (MTS, the largest Russian mobile operator, 31% of market share, 106 MLN subscribers). To find out more about ZELF, visit and Twitter @zelfco

About Treezor

Founded in 2016 by Éric Lassus and Xavier Labouret, acquired in 2019 by the Société Générale group, Treezor is a French Fintech specialized in Banking-as-a-Service services. The Fintech is a Mastercard Principal Member and an Electronic Money Institution approved by the French regulator (ACPR), enabling it to offer its solutions in Europe. Treezor allows startups, companies and financial institutions to cover the entire payment chain (payment cards issuing, SEPA, P2P transfers, KYC …) through its API. As a young and innovative company, Treezor devotes a significant part of its resources to developing new technologies. To find out more about Treezor’s payment solutions, visit and Twitter @TreezorBanking.

About Mastercard

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. Follow us on Twitter @MastercardFR@MastercardNews, join the discussion on the Beyond The Transaction Blog and subscribe for the latest news on the Engagement Bureau.