What is Zena?
Zena is an intelligent expense and automation platform built for freelancers, creators, and project-based businesses. It combines a free smart card with AI-driven tracking and organization, simplifying bookkeeping and financial workflows
1. Instant Card Issuance (Virtual & Physical)
The moment you onboard, Zena lets you generate unlimited virtual cards for yourself and your team—no plastic waiting period required. When you’re ready to issue physical cards, they arrive within days. Each card can be restricted by merchant type, spend limit, or project “Bucket,” ensuring you never worry about unauthorized charges or unexpected budget blowouts.
2. Smart “Buckets” for Automated Categorization
Instead of sorting expenses line by line, Zena’s AI automatically assigns every transaction to the custom “Buckets” you define—whether that’s “Client A,” “Marketing,” or “Equipment.” As you reconcile, the system learns your preferences, so recurring expenses fall into the right category without manual intervention. This not only speeds up bookkeeping but also delivers granular spend data at a glance.
3. Real-Time Expense Visibility
Traditional expense reports lag behind by days or weeks. With Zena, every swipe or online charge syncs immediately to your dashboard—no bank-feed delays. You can filter expenses by team member, project, or card, and drill into receipts, vendor details, and bucket assignments in one click. That level of transparency empowers managers to catch overspends before they spiral.
4. Automated Tax Write-Off Identification
Maximizing deductions is tedious, but Zena’s tax engine tags each purchase with IRS-recognized categories—meals, travel, equipment, software subscriptions, and more—so you never miss a write-off. At year-end, you get a pre-populated report showing your deductible expenses, helping you claim up to $4,000 more savings without lifting a finger.
5. Seamless QuickBooks and Xero Integrations
No more CSV exports or manual journal entries. Zena’s one-click sync with QuickBooks Online (and soon, Xero) pushes categorized, bucketed transactions straight into your accounting ledger. Your bookkeeper sees clean data with all receipt attachments in place, reducing reconciliation time by up to 60%.
6. Rewards & Statement Credits
Every purchase isn’t just an expense—it’s an opportunity to earn. Zena’s Rewards plan delivers $200 in annual statement credits redeemable with partners like Canva, AWS, and Meta. For creative agencies and remote teams that spend on software tools, those credits effectively offset subscriptions and keep costs down.
7. Audit-Ready Compliance and Security
Whether you’re a freelancer facing an IRS audit or an enterprise needing SOC-compliant controls, Zena keeps you covered. Each transaction record includes a timestamp, receipt image, and bucket history. Role-based permissions ensure only authorized users can issue cards or approve refunds. All data is encrypted in transit and at rest, and Zena undergoes regular security audits.
8. Effortless Team Expansion
Adding new users is painless: issue new cards, assign buckets, and set limits—all from the admin portal. As your team scales, you maintain centralized control without a flood of spreadsheets. Zena’s usage-based pricing means you only pay for active users, keeping costs predictable.
