Legal

Card & Account Disclosures

Versión: 0.9 (draft) · Última actualización: 2026-09-11

Este documento se mantiene en inglés; el texto en inglés prevalece.

1. What this page is

This page carries the legally required disclosures about who provides the regulated components behind Baynoy accounts, IBANs and cards. The same information appears in-product on the account details and card screens — those two places and this page are deliberately the only places it appears.

2. Account and IBAN services

[DRAFT — final wording pending contract] Accounts and IBANs are provided by regulated financial institutions. For each currency, the institution, the country of the account, and how your funds are protected (safeguarding or equivalent) will be stated here exactly as the contracts require, per corridor.

3. Card services

[DRAFT — final wording pending contract] Baynoy cards are issued by a regulated card issuer under licence from the card scheme. The issuer's identity and the applicable cardholder terms will be stated here and shown on the card screens.

4. Baynoy is not a bank

AtaForge Inc. is not a bank. Balances are not bank deposits and are not covered by deposit-insurance schemes unless the corridor-specific disclosure above says otherwise. Stablecoin balances are never deposit-insured; their risks are described in the Crypto Risk Disclosure.

5. Availability

Product availability varies by country and by verification outcome. Your dashboard is authoritative for what is available to your business.

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