Built to be boring.
Funds held with regulated partners, two-factor authentication, device checks, and a team that has shipped payments before. Here is exactly how it works.
Where your money sits
Fundly is not a bank and does not hold your money itself. Each part of the product runs on a regulated partner.
Euro balances
Held by [EMI PARTNER NAME], authorised by [REGULATOR], and safeguarded under [APPLICABLE REGULATION] in segregated accounts.
Cards
Issued by [ISSUER NAME] under a licence from [CARD NETWORK]. Card transactions are protected by scheme rules including chargebacks.
Crypto deposits
Received and converted by [VASP ENTITY NAME], registered with [REGISTER / REGULATOR]. Crypto is converted on arrival, so we do not hold a volatile balance for you.
Your login
Passkeys or one-time codes, no passwords by default. Biometrics on your phone. Optional authenticator-app 2FA for every sensitive action.
Devices and sessions
Each device is fingerprinted and listed in your settings. Log one out from any other. New devices need a fresh code.
Your data
Identity documents are processed by [KYC PROVIDER] and stored encrypted. We collect what the law requires and nothing for resale. Read the privacy policy.
Our compliance posture in plain words
We take a risk-based approach. Light checks for low limits, full checks for full features, and monitoring throughout.
Sanctions, PEP and country screening for Instant and Verified tiers alike.
Learn moreEvery deposit is scored. Flagged funds are held and reviewed by a person.
Learn moreRules and models watch for unusual card and account activity 24/7.
Learn moreInstant cards carry monthly limits set by our issuing partner. Verification unlocks more.
Learn moreWe report suspicious activity to [FIU / REGULATOR] as the law requires, and we keep records for [RETENTION PERIOD].
Learn moreFreeze first, ask later.
Lost card, odd notification, unknown merchant? Freeze in one tap and nothing goes through. Card numbers are never printed on the physical card and the CVV rotates for virtual cards on Plus and Premium.
- Freeze card
- Online payments
- ATM withdrawals
- Monthly cap $2,000
We will never ask for your code.
Fundly staff never ask for one-time codes, passcodes or seed phrases. Official emails come from [OFFICIAL DOMAIN] only. Report anything suspicious to security@fundly.xyz and we reply within one working day.