Your Funds, Rock Solid
FBO custodial model with comprehensive compliance and fund isolation
Regulatory Framework & Licensing
Strict compliance with US federal and state-level financial regulations
FinCEN MSB Registration
MSB Registration No. 31000XXXXXXX
Registered as a Money Services Business with the Financial Crimes Enforcement Network (FinCEN), subject to federal-level oversight.
State MTL Licenses
Covering 48 states and territories
Holds Money Transmitter Licenses (MTL) covering 48 US states and territories.
FDIC Deposit Insurance
Up to $250,000 per depositor
User funds are held at FDIC-insured partner banks, with each depositor covered by up to $250,000 in federal deposit insurance.
Premier Bank Custody (Sponsor Bank Model)
Your actual funds are held in FBO (For Benefit Of) accounts at top-tier US partner banks, protected by the regulated financial system.
100% Fund Isolation
User funds and ICT operational funds are completely isolated — physically and on the books. Your money always belongs to you.
24/7 Risk Engine
Connected to world-class Anti-Money Laundering (AML) monitoring and anomaly detection systems, ensuring every transaction is safe and compliant.
Data Security & Encryption
AES-256 Encryption
All data at rest is encrypted using AES-256 bit encryption, meeting military-grade security standards.
TLS 1.3 Transport
All network communications enforce TLS 1.3 protocol, preventing man-in-the-middle attacks and data eavesdropping.
Two-Factor Auth (2FA)
Supports TOTP authenticator and SMS verification for secure account access.
Biometric Login
Supports Face ID and fingerprint recognition for fast, secure mobile login.
Device Binding
New device logins require secondary verification, with real-time alerts for anomalous login behavior.
Annual Penetration Testing
Independent third-party security firms conduct annual penetration testing to discover and remediate vulnerabilities.
Fund Flow Transparency
Every cent you deposit is fully traceable, from deposit to settlement
User deposits funds
FBO custodial account (FDIC insured)
ICT Ledger records
Payment network settlement
Recipient receives funds
User deposits funds
FBO custodial account (FDIC insured)
ICT Ledger records
Payment network settlement
Recipient receives funds
Compliance & Licenses
Multiple regulatory licenses ensuring every transaction is legal and compliant
US MSB License
Money Services Business license registered with FinCEN
State MTL Licenses
Money Transmitter Licenses covering multiple US states
PCI DSS Certified
Payment Card Industry Data Security Standard certification protecting cardholder data
SOC 2 Type II
Independently audited certification for system security, availability, and confidentiality
Security Incident Response Commitment
Security incident detection and response time
User notification commitment
Full reimbursement for unauthorized transactions