Why four fields, and not twelve
The name must match your ID document This is not paperwork: payment rails compare the beneficiary name with the account name. One letter of difference is enough to get a SEPA transfer rejected, and a rejection costs several days.
The country decides what you can receive PIX in Brazil, NIP in Nigeria, Faster Payments in the UK, SEPA Instant in the euro area. It also sets the per-order ceiling and the tax note printed on your receipts.
No identity verification right now It happens at the first payout, at the lightest tier your amount needs. Asking for documents before they are required is excessive collection, and regulation allows it no more than common sense does.
The address must be confirmed before any order A single-use link, valid for 24 hours. Until it is opened the account can neither create an order nor save a beneficiary. An unconfirmed account is deleted after 30 days.
What we do not ask for No mandatory phone number, no date of birth at sign-up, no security questions — those answers circulate in data leaks and weaken accounts instead of protecting them. By creating an account you accept the
terms of service and the
privacy policy . Identity data is kept for the period anti-money-laundering rules require, then deleted.