Compliance
Who is licensed for what and how your money is protected.
Every transfer is delivered through licensed partner institutions. The table lists each party, its regulator and licence; any missing details are published before launch.
| Party | Role | Regulator | Licence |
|---|---|---|---|
| EMI partner | Payment services in the EEA | Bank of Lithuania (to be confirmed) | — (to be announced) |
| PGPara | Payouts and cash pickup in Türkiye | Central Bank of the Republic of Türkiye | — (to be announced) |
| Tomtodpay | Platform, customer onboarding, support | Agent of the EMI partner (to be confirmed) | — (to be announced) |
Safeguarding
Client funds will be held in segregated safeguarding accounts by the licensed partner institution and kept separate from operating funds.
Screening
Every client will be verified, and every transaction screened against sanctions and risk rules before payout.
Data protection
Identity documents will be stored encrypted and accessible only to authorised staff; retention follows the licensed institution's policy.
Complaints
Complaints will be acknowledged within one business day and answered within 15 business days; the escalation route is published with the licence details.