Regulatory Disclosures

BLUE FINANCIAL SERVICES operates through licensed banking partners and payment institutions in each jurisdiction. We are not a bank. Customer funds are held as electronic money in segregated accounts with our banking partners.

EUR wallet services and SEPA transfers are provided through a licensed EU banking partner (name to be disclosed at launch). Customer EUR funds are held in segregated accounts within the European banking system.

AED wallet services operate under applicable UAE Central Bank regulations. Open Banking pay-in is provided through Lean Technologies. Card issuing is provided through NymCard under applicable CBUAE licensing.

XOF wallet services and Mobile Money aggregation are provided through Hub2, operating under BCEAO (Banque Centrale des États de l'Afrique de l'Ouest) regulations. Transaction data for UEMOA operations is stored in compliance with BCEAO data residency requirements.

Cryptocurrency services are provided through a regulated digital-asset partner (name to be disclosed at launch). Digital assets are not covered by deposit guarantee schemes. The value of digital assets can go down as well as up. Gold vault services are provided through a regulated custodian with allocated storage in Geneva and Dubai.