About
This page has no team photo, no volume counter and no partner logo. It has what can be checked: where our revenue comes from, what we do with your funds during the few minutes they pass through, what we refuse to do, and what is still missing.
Here is exactly what we can assert about the company today. The lines marked “pending publication” are not layout oversights: they are things we are not yet entitled to write.
Why those fields are empty
There are 10 registration details still to publish. They live in a single configuration file in the source, carrying an explicit marker while unset, and the site is incapable of rendering an invented value for them: a missing value hides the block, it does not fill it.
An incorporation year or a register number takes three seconds to invent and thirty to check: company registers, domain WHOIS history, web archives. A financial service caught backdating its own existence loses far more than it gained.
We claim no authorisation, no registration and no licence today. The registrations table is empty in our configuration, and an empty list is an answer: it is the truth.
No regulator badge, security seal or authority logo appears on this site. Those images are the first fabricated signal of a dubious financial service, and they are worthless: what counts is the number in the public register, checkable at the authority, not a picture on a page.
One revenue line: the spread. It is a percentage of the converted amount, shown separately before you confirm, and that is all. There is no opening fee, no inactivity fee, no withdrawal fee, no commission hidden inside the rate.
We start from the mid-market rate — the midpoint between buy and sell on the market — and take a displayed percentage. The market often does the opposite: it announces “zero fees” and folds 2.5 to 8% into a rate it presents as the market rate.
On every quote, the code checks that gross minus the sum of the lines equals net exactly, to the minor unit. If the gap is not zero there is an undeclared margin somewhere: the engine raises and refuses to quote rather than let it through.
No sign-up, inactivity, closure, support or “processing” fee. On a refund, only the real network cost is deducted: we take no margin on a failure, which would be getting paid for failing.
The spread starts at 0.90% of the converted amount. It rises by 0.35% on a volatile asset, because price risk during the lock window really is higher, and by 0.25% on a beta corridor, where the rejection rate is higher. It falls with volume tiers. These values are read straight from the fee engine: this table cannot drift from what you pay.
| Converted amount | Stablecoin | Volatile asset | Volume discount |
|---|---|---|---|
| €1,000 and below | 0.90 % | 1.25 % | — |
| €5,000 | 0.75 % | 1.10 % | −0.15 % |
| €20,000 | 0.60 % | 0.95 % | −0.30 % |
| €100,000 | 0.45 % | 0.80 % | −0.45 % |
A worked example, computed by the same code as the quote
On €1,000.00 converted from a stablecoin to a SEPA Instant transfer, the spread is 0.90%, that is €9.00. That is our entire revenue on that operation.
The blockchain network cost comes on top, but it does not come to us: it is taken in kind on the asset, for the network, and shown on its own line for that reason.
Some rails cost money on every send; that cost appears on its own line, it is not absorbed into our margin. On 11 of the 22 open or beta payout methods there is no rail fee at all: the line then does not appear in the breakdown, because a zero line adds nothing.
| Payout method | Currency | Rail fee |
|---|---|---|
| Domestic Wire | USD | US$15.00 |
| PayPal | EUR | 2.00 % + €0.35 |
| M-Pesa | KES | 0.50 % |
| Virement bancaire NIP | NGN | 0.50 % |
| MTN Mobile Money | GHS | 0.75 % |
| Wave | XOF | 0.75 % |
| Orange Money | XOF | 0.90 % |
| GCash | PHP | 0.75 % |
| Virement FAST | TRY | 0.60 % |
| Virement bancaire AED | AED | 0.40 % |
| Virement international SWIFT | USD | US$25.00 |
The question to ask any service that touches your money: how long does it hold it, and what happens if it disappears during that time? Here is our answer.
There is no customer wallet, no balance, no account to top up. Your funds are held only for the length of the operation: from the confirmation of your deposit to the departure of the transfer. Outside that window we hold nothing of yours.
Funds in transit are not lent, invested or used as collateral. A service that pays interest on deposits has to put that money to work somewhere — that is a different business, with a different risk, and it is not ours.
A service is defined as much by what it refuses as by what it offers. Each of these refusals has a commercial cost, and each is deliberate.
Asking you to take our word for it would not be an argument. Here is where our claims can be held against data or observable behaviour.
The list is published here rather than discovered in use. It will get shorter; what it contains at any moment is more useful than a promise.
| What is missing | Exact state |
|---|---|
| Rails built but closed | 7 payout methods are integrated but not open, each blocked by a regulatory requirement named on its page, and marked phase: planned |
| Countries in preparation | 7 countries are in preparation against 51 already covered by at least one bookable rail. |
| No availability measurement | The probe that will feed the status page is not connected. Until it is, no percentage is displayed. |
| No regulatory status published | No authorisation is claimed today. This line will change when a registration exists, with its number and a link to the public register. |
| Assets not offered | 1 assets are in the catalogue without being offered, out of 18 tradable assets. |
Why there is no “team” section
Because a team page without a team is built from four stock portraits and four grand titles, and that is exactly the signal we refuse to send. The day real people agree to be named publicly, with a checkable background, this section will appear — not before.