Legal disclaimer

bepay money functions as a next-generation payment infrastructure designed to support seamless value transfer across countries, currencies, and financial systems. The bepay ecosystem includes digital products and technological solutions such as the bepay user application, the bepay merchant application, and the IGPS cross-border payment infrastructure. bepay money does not function as a credit institution, payment (initiation) institution, money transmitter business, cryptoasset service provider, or financial service provider, and does not possess user funds or private keys.

The bepay money interface facilitates user interaction with decentralised ledger technologies (DLTs) and third-party platforms through the utilisation of open-source public APIs. The bepay user application enables individuals to interact with digital assets and payment functionalities through a non-custodial wallet environment where users retain full control over their private keys and digital assets. The bepay merchant application provides technological tools that enable merchants to accept and manage digital asset payments and related transaction data within their business environments. The IGPS cross-border infrastructure facilitates technological connectivity that supports cross-border transaction messaging, settlement coordination, and multi-currency payment interactions through integrated financial networks and supported partners.

The bepay money group operates through several entities globally, including Bepay Money Europe S.R.L registered in Romania with Unique Registration Code (CUI): 52474864, Bepay Technologies Private Limited in India, IGPS Technology LLC SCO in Dubai holding a DLT-related license, Bepay Fintech INC in the United States registered as a Money Services Business (MSB) with FinCEN, Directpay Fintech LTD in Canada holding MSB and Payment Service Provider (PSP) registrations, and Bepay Fintech Products Holding LTD in the British Virgin Islands. These entities support various operational, technological, regulatory, and partnership functions of the bepay ecosystem across different jurisdictions.

The bepay platform may interact with licensed financial institutions, payment processors, custodians, and regulated service providers for certain payment processing, settlement, liquidity management, or fiat-related services associated with the bepay merchant application or the IGPS cross-border infrastructure. Such services, where applicable, are provided by regulated third-party partners and not directly by bepay money.

The bepay money group has obtained and maintains relevant ISO (International Organization for Standardization) certifications to ensure high standards of information security, data management, and operational resilience. These certifications, such as ISO 9001, ISO 20022, and ISO 27001 (latest versions), reflect internal best practices but do not imply financial regulatory authorization or supervisory approval.

All interactions conducted through the bepay ecosystem are subject to applicable regulatory standards. It is the responsibility of users, merchants, and partners to ensure adherence to the local laws that govern the use of digital assets, payment technologies, local restrictions (if any), and domestic tax laws. The control of digital assets within the non-custodial wallet environment is retained by the user, and such assets are neither held nor accessed by bepay money. Custody, settlement, and fiat services, where applicable, are rendered by licensed third-party partners.

Deposits in fiat currency may be subject to insurance coverage up to the legally established limits provided by the relevant financial institutions and according to international, European, national, or state law (where applicable).

The use of the bepay money wallet, merchant platform, IGPS infrastructure, or any related application or service within the bepay ecosystem constitutes an explicit acceptance of the terms herein and a recognition of all inherent risks associated with the use of digital assets, decentralised systems, and cross-border payment technologies.