FIGR_HELOC$1.03▲ 0.96%COIN$177.50▲ 3.03%WBT$81.07▲ 1.61%TRX$0.3362▼ 0.82%XMR$513.27▲ 0.93%SOL$102.24▲ 2.47%RAIN$0.0158▼ 0.83%GOOGL$341.24▲ 2.60%BTC$77,822.00▲ 0.88%LINK$11.77▲ 1.38%HYPE$81.87▲ 1.82%AMZN$256.23▲ 1.72%MSTR$133.60▲ 3.92%XRP$1.37▲ 1.10%XAU$4,405.30▲ 0.93%BNB$729.52▲ 2.94%ZEC$1,183.89▲ 4.32%TSLA$365.45▲ 0.52%ETH$2,574.32▲ 5.02%BRENT$91.08▲ 8.74%USDS$0.9998▲ 0.01%NFLX$76.99▲ 1.29%META$649.21▲ 0.75%WTI$83.90▲ 4.28%DOGE$0.0855▲ 2.39%NATGAS$2.78▼ 3.81%MSFT$494.70▲ 0.46%AAPL$334.38▲ 2.39%XAG$65.00▲ 1.11%NVDA$219.06▲ 0.32%FIGR_HELOC$1.03▲ 0.96%COIN$177.50▲ 3.03%WBT$81.07▲ 1.61%TRX$0.3362▼ 0.82%XMR$513.27▲ 0.93%SOL$102.24▲ 2.47%RAIN$0.0158▼ 0.83%GOOGL$341.24▲ 2.60%BTC$77,822.00▲ 0.88%LINK$11.77▲ 1.38%HYPE$81.87▲ 1.82%AMZN$256.23▲ 1.72%MSTR$133.60▲ 3.92%XRP$1.37▲ 1.10%XAU$4,405.30▲ 0.93%BNB$729.52▲ 2.94%ZEC$1,183.89▲ 4.32%TSLA$365.45▲ 0.52%ETH$2,574.32▲ 5.02%BRENT$91.08▲ 8.74%USDS$0.9998▲ 0.01%NFLX$76.99▲ 1.29%META$649.21▲ 0.75%WTI$83.90▲ 4.28%DOGE$0.0855▲ 2.39%NATGAS$2.78▼ 3.81%MSFT$494.70▲ 0.46%AAPL$334.38▲ 2.39%XAG$65.00▲ 1.11%NVDA$219.06▲ 0.32%
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Zen Card

Written byIrma Ai
PublishedDec 19, 2024
UpdatedSep 11, 2026
1 min read

Zen Cardio

Risk Management

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Risk Management

The RMA™ is a blockchain credibility certification assessing governance, transparency, security, and results, providing trusted verification for businesses in Web3.

VaaSBlock has not audited this project and cannot vouch for this organization.

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RMA™ Status: ❌ Unverified

Verification of 6 major compliance criteria.

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Technology

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Technology

A collection of public facing information, data collected through partners and our own tools view we present a projects technology in one place for easy verification.

Analysis and testing of tech infrastructures.

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Marketing

Alpha?
Marketing

Top level look at a projects marketing capablities currently in alpha this section will grow to show quickly how a project promotes itself and the effectiveness.

Screening of user base and community feedback.

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Background

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Background

Using multiple public facing sources across the web view a summary of a projects purpose, key achievements and general overview.

Collection of basic administrative documentation.

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Risk Management

Last Updated

2025/4/16

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Transparency

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Transparency Score

Algorithmic assessment of a project’s transparency level, using multiple public data points to measure its commitment to compliance, documentation, and clarity in communication.

Transparency Score

3/100
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Category Rank

A ranking that positions the organization among its industry peers, evaluating its relative performance based on key compliance, credibility, and transparency indicators.

Category Rank

Zen Cardio vs Payment

LOWER 10%percentile
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VaaSBlock Rank

A global ranking that compares the organization against all entities listed on VaaSBlock, reflecting its overall credibility, transparency, and operational performance versus the full Web3 ecosystem.

VaaSBlock Rank

Zen Cardio vs All Listed Organizations

LOWER 10%percentile

Transparency

Transparency Score

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Transparency Score

Algorithmic assessment of a project’s transparency level, using multiple public data points to measure its commitment to compliance, documentation, and clarity in communication.

3/100

Category Rank

Zen Cardio vs Payment

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Category Rank

A ranking that positions the organization among its industry peers, evaluating its relative performance based on key compliance, credibility, and transparency indicators.

LOWER 10%percentile

VaaSBlock Rank

Zen Cardio vs All Listed Organizations

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VaaSBlock Rank

A global ranking that compares the organization against all entities listed on VaaSBlock, reflecting its overall credibility, transparency, and operational performance versus the full Web3 ecosystem.

LOWER 10%percentile

RMA™

✘ Unverified
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How to get an RMA?
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Corporate Governance

The verification of fundamental governance, organizational structure, including verifying the entity’s legal registration and adherence to local laws and regulations.

Corporate
Governance
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Team Proficency

Evaluation of an organization’s personnel, ensuring that crucial team members possess the expertise and dedication necessary to execute current business models and scale effectively.

Team
Proficiency
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Technology & Security

Assessment of the organization’s technological framework, including blockchain integrations (where relevant), system architecture, and overall IT infrastructure.

Technology
& Security
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Revenue Model

Comprehensively evaluation of a company’s income-generating strategies (how do they make or intend to make money), ensuring financial robustness and sustainability.

Revenue
Model
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Results Delivered

The Results Delivered component of the RMA™ audit comprehensively evaluates an organization’s ability to achieve its goals and honor its commitments.

Results
Delivered
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Planning & Transparency

The Planning and Transparency component of the RMA™ audit offers a thorough assessment of how an organization manages its workflow and prepares for unexpected challenges.

Planning &
Transparency

Technology

Website

Domain First Registered – 00/00/00

SSL Status – ✘ Not secure

Marketing

No Chain No Gain™ Podcast ⛉

This Organization is yet to join the No Chain No Gain™ Podcast and share insights on what makes their business trustable and innovative.

💡 NCNG generated over 1 Million impressions in its first six months of existence.

Become a Guest on NCNG™

PR Impact

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PR Impact

VaaSBlock provides estimations to the impact that traditional digital media can have on a project. This is an early release; more areas of PR are planned in future versions.

Search Terms
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Search Terms

These are the terms we discovered the article for on page one of Google.

Est. Traffic
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Estimated Traffic

We estimate how much traffic an article will get. Generally, our estimations are slightly higher than those of more established tools. We are working on the algorithm all the time, and results could change.

Est. Value
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Estimated Value

Based on the estimated traffic we generate an estimation for what this traffic would have cost to generate if you tried to target these users with ads. The positions for the article on google and the location of the traffic are the major factors in this estimation.

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Ratings

 Alpha
Overall
Aggregated Rating?
Aggregated Rating

The combined score with AI-driven weighted analysis to provide the best possible project rating.

3.1

40100 verifications

Confidence Index?
Confidence Index

This index determines our confidence in the score we have given. Generally, as more data is collected, the confidence index will increase. If a project has lots of activity, this confidence is earned faster.

Low

40100 verifications

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External Reviews
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1

4.4K reviews

Google Play Store logo
3.3

35.7K reviews

Third-party reviews are important for your reputation.
You have additional elements to add? Work with us and keep your profile updated.

Background

Organization Name – Zen Cardio

Category – PaymentPayment

About

powered by irmaAI

Zen Card traces back to Coin98 Finance, founded in 2017 and rebranded to Ninety Eight in 2023, with the Zen Card product itself launching that same year and a physical showroom opening in Vietnam in 2024 — a real, dated corporate lineage worth stating plainly before anything else.

Founder Thanh Le is named but not identity-verified. Headquarters is Ho Chi Minh City, Vietnam. RMA™ status is Unverified across all seven pillars. VBTransparencyScore 3.1 at the 9.45th percentile, ranked 22nd of 27 in Payment.

Several data-quality issues surfaced in researching this profile,… Read More

Security Crypto Innovation Wallet

Creation Date

September 2026

Headquarters

Ho Chi Minh City, Vietnam

Organization Maturity Level

Undetermined

RMA™ Type

None

Notable Achievements

2024

Showroom Grand Opening in Vietnam, marking Zen Card’s first retail appearance with a limited-edition design for the Year of the Dragon

2023

Launch of Zen Card

2023

Coin98 rebranded to Ninety Eight, expanding its scope to include Web3 and blockchain products, including Zen Card

2017

Founding of Coin98 Finance

Core Team

Thanh Le, Founder at Zen Cardio

Thanh Le

Founder

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  3. Zen Cardio
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