Organization Name – Zen Cardio

Category – Payment

About

powered by irmaAI

Zen Card is a hybrid crypto wallet from Ninety Eight (formerly Coin98) — combining cold-storage and hot-wallet technologies into a single device-and-app product for managing digital assets and NFTs across multiple chains. The Don Norman affordance read is that the cold-plus-hot hybrid addresses crypto’s core security-versus-convenience tension at the hardware level: cold storage is secure but inconvenient, hot wallets are convenient but exposed, and a hybrid that lets users keep most assets in cold storage while transacting fluidly from a hot layer offers a genuine affordance improvement… over the either-or choice.

The parent-company context is the strongest credibility signal. Ninety Eight (the rebranded Coin98) is one of Vietnam’s most prominent Web3 companies — Coin98 Finance was founded in 2017 and built a significant wallet-and-DeFi presence across Southeast Asia. Zen Card inherits that operational history and distribution, which the file’s achievements log documents (2017 Coin98 founding, the Coin98-to-Ninety-Eight rebrand, the 2023 Zen Card launch, the 2024 Vietnam showroom opening). The showroom — a physical retail presence for a crypto hardware product — is an unusual distribution choice that signals serious consumer-product ambition.

The verifiable surface is mid-cohort. The X handle is uncertified at 5,773 followers, total audience also 5,773 — concentrated. Marketing efficiency data is empty. No native token in the bundle (the Coin98/$C98 token is a separate product). The team page lists one contributor — Founder Thanh Le — publicly named but not identity-verified, which is a gap given that Thanh Le is a publicly-prominent figure in Vietnamese Web3.

None of the six RMA pillars has been submitted. Within VaaSBlock’s Payment category Zen Card sits at rank 22 of 27. The Ninety Eight parent history and the hybrid-wallet design are the substantive signals; identity-verifying the founder and documenting the hardware-security architecture would close the file. Read More