COMPLIANCE AND PRICING PACK · FOR THE PEOPLE WHO HAVE TO APPROVE THIS
Two documents. Sent when you ask.
The compliance pack covers entity structure, safeguarding, AML approach, and boundaries. Nothing in it is confidential, but there is no public PDF on this site. We send it when you request it. The pricing schedule is written against your volume and corridors and cannot honestly exist before we know either.
Email is enough. No sales call required to receive the compliance pack. Forward it to whoever needs it.
01 · COMPLIANCE PACKON REQUEST
Eight sections covering entity structure, registration scope, safeguarding, AML approach, payment evidence, operating model, boundaries, and escalation.
REQUEST BY EMAIL·FORWARD IT FREELY
02 · PRICING SCHEDULEWRITTEN FOR YOU
One page. Your FX margin set against your volume and corridors, route costs disclosed, countersigned by treasury and effective before activation.
ONE BUSINESS DAY·NAMED SPECIALIST
NOTHING IN EITHER DOCUMENT NAMES A BANKING PARTNER OR A CUSTOMER WITHOUT WRITTEN PERMISSION.
Tell us who is asking and we will tell you which page they need.
FIVE PEOPLE READ THIS PACK. NONE OF THEM READS ALL OF IT.WHO IS ASKING
WHAT THEY WILL ASKWhat changes operationally on Monday, and what will this actually cost us against what we pay now?
THE LINE THEY ARE LOOKING FOROne FX margin, agreed before you convert, with route costs disclosed upfront rather than found afterwards.
PACK CONTENTS3 OF 8 SECTIONS
01
Entity and registration summaryWHICH ENTITY YOU CONTRACT WITH
02
Regulatory scope noteWHAT REGISTRATION COVERS
03
Safeguarding summaryWHERE CLIENT FUNDS SIT
04
AML and sanctions approachKYB · MONITORING · SCREENING
05
Payment evidence and reconciliationWHAT PROOF IS PRODUCED
06
Operating model noteFIVE MARKETS · RAILS · REACH
07
Boundaries and exclusionsWHAT WE DO NOT DO
08
Complaints and escalationWHO OWNS A PROBLEM
HIGHLIGHTED SECTIONS ARE THE ONES THAT READER TURNS TO FIRST. THE PACK IS SENT WHOLE REGARDLESS.8 OF 8 SECTIONS ARE SOMEBODY'S FIRST STOP · NO SINGLE READER NEEDS THEM ALL
DOCUMENT 01
The compliance pack, on request.
Every claim in it can be checked in a public registry without our help. That is the point of sending it rather than presenting it in a call.
01Entity and registration summaryThe two entities, which one you contract with, and the registries where you can check each yourself.
02Regulatory scope noteWhat our registrations cover, and plainly what they do not. Registration is not authorisation.
03Safeguarding summaryHow client funds are held separately from our operating funds under partner arrangements.
04AML and sanctions approachOnboarding checks, ongoing monitoring, sanctions screening, and who owns a review internally.
05Payment evidence and reconciliationWhat settlement produces, when, and the form your supplier's bank and your auditor accept.
06Operating model noteThe five Local Business Accounts, the rails behind each, and USD SWIFT reach to 180+ countries.
07Boundaries and exclusionsNot a bank, no deposits, no lending, no hedging, and no guarantee of approval.
08Complaints and escalationHow an issue is escalated, to whom by role, and the timescales we hold ourselves to.
DOCUMENT 02
Why the pricing schedule is not sitting behind a download button.
WHAT THE SCHEDULE CONTAINS
FX MARGIN
PRE-AGREED
SET AGAINST
VOLUME · CORRIDORS
ROUTE COSTS
DISCLOSED UPFRONT
MOVES WITH MARKET
NO
REVIEW
ON VOLUME CHANGE
EFFECTIVE
BEFORE ACTIVATION
COUNTERSIGNED BY TREASURY
FIXED
ONE PAGE. COUNTERSIGNED. IT DOES NOT MOVE AFTER.
WHAT WE NEED FROM YOUYour corridors. Which currencies out, which countries in.Approximate annual FX volume and average payment size.Roughly how many payments a month, and whether the flow is recurring.Anything unusual about counterparties or documents we should price for.
Four lines in an email is enough. We do not need your bank statements to quote you.
WHAT HAPPENS NEXT
01
You send the four linesEMAIL IS FINE
02
A named specialist repliesWITHIN ONE BUSINESS DAY, NOT A SALES QUEUE
03
Schedule drafted against your flowONE MARGIN, ROUTE COSTS SURFACED
04
Countersigned and effectiveBEFORE ACTIVATION, FIXED AFTER
HONESTLY
What is not in the pack, and will not be if you ask.
A diligence pack is only useful if its omissions are stated rather than discovered. These five are deliberate.
×Audited financial statements. We are not required to publish them and we will not imply an audit that has not taken place.
×The names of our banking partners. Not in the pack, not on a call, not for a large enough contract.
×Customer names, logos or references without that customer's written permission.
×Any certification, accreditation or licence we do not currently hold and cannot produce on request.
×A guarantee of approval. Onboarding is a real review and some applications are declined.