The eleventh ZB APP hot chat AMA|CRO — Making crypto usable in the real world

The eleventh “ Hot Chat AMA” launched by opened at 20:00 on June 10th. In this AMA, ZB has invited COO Eric to have an in-depth exchange with our host Journey, ZB big customer director and the community users, to reveal the project.

It is known that Hot Chat AMA is an online live knowledge sharing program jointly launched by, Mars Finance and Jinse Finance. angels, including media, institutions, project parties, analysts, KOL and other crypto circle influenzers, are invited to share knowledge.

In the future, we will continue to cooperate with more international well-known organizations and medias to hold AMA to help you learn more about the industry and field trends. Please stay tuned.

The theme of this AMA is: CRO — Making crypto usable in the real world big customer director: Journey)



GST, Jinse Finance, Mars Finance

Communities support: Crypto.comhot chat group,100+ ZB Wechat groups, 50+ cooperative community support, other sub-stations WeChat communities, etc.

Here are some of the highlights:

Topic of the AMA: CRO — Making crypto usable in the real world

1. Host: Good evening everyone! Welcome to the ninth hot chat AMA! I am ZB’s big customer director Journey. Nice to meet you all. Today, we are honored to invite the Chief Operation Manager of CRO to share information about the project CRO. First of all, please let our guest say hello to everyone and briefly introduce himself.

Guest:Thanks Journey!

Hi everyone, I am Eric Anziani and I am very happy to be here today with the ZB community

I hope you are all keeping safe in these challenging times.

I am the Chief Operating Officer at and look after several functions, including Product, Blockchain, Strategy, Partnership & Sales, Growth, research and Data.

I am very fortunate to have amazing teams that deliver outstanding products & services to our 2M+ customers across the globe.

2. Host:Can you briefly introduce

Guest: Sure. was founded in 2016 on a simple belief: it’s a basic human right for everyone to control their money, data and identity. In the recent decade, those rights have unfortunately been eroded and are now clearly under threat. Blockchain technology, and the cryptocurrency built upon it, can provide people with the ability to regain control, control of their money, data and identity.

That’s why at, we strongly believe that supporting blockchain technology will help build a healthier and fairer society for everyone. We are trying to help the world move in this direction by making cryptocurrency more accessible, spend-able and value-creating to everyone through our products and services. is built on a solid foundation of security, privacy and compliance and is the first cryptocurrency company in the world to have CCSS Level 3, ISO27001:2013 and PCI:DSS 3.2.1, Level 1 compliance. We also recently achieved ISO/IEC 27701:2019 Certification, the “Gold standard” privacy certification.

We have focused our efforts in solving these 3 major customer pain points/needs:

(1) Trading

We addressed this with a) the App, the best place to buy, sell, send and track cryptocurrencies; and b) the Exchange powered by CRO.

(2) Payments

We addressed this with a) the MCO Visa card, a metal card with no annual fees and up to 5% cashback; and b) Pay (powered by the Chain and CRO), which enables users to pay and be paid in any crypto, anywhere, for free using their mobile phone.

(3)Financial Services

We addressed this with a) Crypto Earn which gives users the freedom to grow their crypto assets and earn interest. Users can earn up to 8% p.a. on cryptocurrencies and up to 12% p.a. for stablecoins. b) Crypto Credit which allows users to instantly get a loan by depositing their crypto assets as collateral.

3. Host: Sounds great. Can you briefly introduce the MCO Visa card and its recent news regarding the EU launch?

Guest: offers five tiers of MCO Visa cards that feature no annual or monthly fees, 100% rebate on Spotify, Netflix and Amazon Prime, airport lounge access for select cards, no fee ATM withdrawals, tap-and-pay functionality, and competitive interbank rates.

We recently announced that we began shipping the MCO Visa Cards to 31 markets in Europe, including all 27 EU member states, an addressable market of nearly 530 million people. is the only crypto card provider in the world offering cards in Asia, the full EU, and the United States.

We have bolstered the regulatory compliance within the complex payments ecosystem and launched local communities supporting most EU local languages for better access to instant feedback and support. We have already seen thousands of reservations for the MCO Visa card from users across the EU and the app has reached top 50 in the Finance category in the UK, France, Italy and Spain.

After the EU launch, we received green light for the MCO Visa card launch in Canada, we are currently preparing to roll out the MCO Visa Card program in Canada following launches in Singapore (Oct ‘18), United States (July ’19) and Europe (Apr‘20).

For more information regarding the MCO Visa card, please visit

4. Host: We also noticed that is offering 3.5% credit card fee waived for buying crypto and up to 20% cashback on essentials like groceries and food delivery. With the current market situation, why did you choose to launch this campaign at this time?

Guest:The global Coronavirus pandemic has affected everyone’s lives and economies have been hit hard. In these tough times, businesses that are in a fortunate position to be growing have a responsibility to give back. Hence we introduced three measures which we hope will make the next three months slightly easier for our users globally.

(1) 3.5% credit/debit card fee waiver for cryptocurrency purchases in the App

(2) MCO Visa Card — Up to 10% increased rebates for essential purchases (food, groceries and delivery). Please visit for supported brands globally.

(3) Pay — Double rewards on gift card purchases of food delivery and groceries (Up to 20%)

5. Host: There are 2 tokens from listed on — CRO and MCO. Can you explain the different use cases and the utility of each respective token?

Guest: MCO is the utility token which is used to get access to the MCO Visa card and for additional benefits within the App.

CRO is the native token of Chain enabling transactions worldwide between merchants and cryptocurrency users — seamless, secure and cost efficient. Users can pay with Pay and earn up to 20% cashback paying merchants online and offline. We recently integrated Pay to the Ledger online store, Ledger will now accept CRO, along with BTC, LTC, ETH and XRP through Pay.

In the App, users can purchase major brands gift-cards and earn up to 20% cashback when paying with CRO.

CRO is currently used as our Exchange token as well, users can enjoy trading fees discount by staking CRO on the Exchange, and also can participate in The Syndicate events — able to purchase popular coins/tokens with up to 50% discount. Stay tuned for our upcoming Syndicate events here —

HOST: We’ve seen your recent news regarding the launch of the Non-custodial Wallet. Can you explain the difference between the App and the Wallet?

We recently launched the Wallet, taking another step closer to achieving a full decentralised product offering. Through the Wallet, customers gain ownership of their private keys, allowing them to freely send and receive crypto directly on the blockchain.

Key features of the Wallet, presented as a standalone mobile app:

(1) Full Control — Users have full control of their crypto and keys. Easily import any existing decentralized wallet with a 12/18/24-word recovery phrase to the Wallet

(2) Security — Private keys are encrypted locally on customer’s device, protected by a passcode, biometrics and 2-factor authentication

(3) Flexibility — Send crypto at preferred confirmation speed and network fee

(4) Convenience — Connect to the App to easily access the diverse crypto financial services offered by Wallet is a user-custodied wallet where you are the custodian. This means you get full access and control of your crypto private keys. You have complete legal and beneficial titles to your crypto when they are stored in the Wallet, unlike a centralized custodian on the App. You do not need a account to store, send and receive crypto in the Wallet.

On the other hand, App is a crypto asset brokerage that acts as a custodian and stores your crypto for you. Through the App, you are able to instruct us to handle your crypto on your behalf, but you do not control the private keys to your crypto. What are the benefits? You can easily manage and exchange your crypto to fiat currencies without worrying about losing your private keys. Also you can enjoy quick access to our wide range of financial products to help trade, grow and spend your crypto.

Please visit our website to find out more —

Question session of community users:

Live Questions

1. Can I understand Pay as Alipay in digital currency?

Yes. Pay is a crypto payment solution powered by the Chain. We have integrated Pay with many online merchants including Ledger, Unstoppable Domains and Offline merchant acquisition will begin following the launch of our mainnet.

We are working on launching the Chain mainnet in the near future. In the meantime you can visit to access Chain developer resources and get involved in our open-source ecosystem and contribute to upcoming releases.

2. As you mentioned users can receive up to 20% rewards with Gift Card purchases, can you tell us more details about it? Eg. Supported countries and merchants?

Gift Card purchases supported by Pay is currently available in 35 countries including:

· Argentina

· Australia

· Austria

· Belgium

· Brazil

· Bulgaria

· Canada

· Czech Republic

· Denmark

· Finland

· France

· Germany

· India

· Ireland

· Italy

· Japan

· Luxembourg

· Mexico

· Netherlands

· Philippines

· Poland

· Portugal

· Qatar

· Romania

· Saudi Arabia

· Singapore

· Slovakia

· Slovenia

· Spain

· Sweden

· Switzerland

· Turkey


· UK

· US

We offer popular brands covering many different categories including food & beverage, grocery, fashion, games, airlines and many more. Users can pay with their preferred currency among CRO, BTC, ETH, XRP & LTC and get up to 20% CRO reward.



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