Legal & Compliance
Crypto Credits Transparency & Legal Safeguards
Last Updated: February 8, 2026Our Compliance Philosophy Crypto Credits is built on user sovereignty, legal clarity, and technical transparency. We protect users by not controlling their assets. User Rights Right to Self-Custody Users retain full control of funds No account balances held by Crypto Credits Wallets remain independent Right to Transparency All payments are on-chain Public transaction hashes Independent...
EU MiCA Compliance Dossier
Last Updated: February 8, 2026Our comprehensive compliance framework for the European Union’s Markets in Crypto-Assets (MiCA) regulation. Executive Summary Product: Crypto Credits mPOS Terminal with AI Nature: Non-custodial software interface enabling wallet-native crypto payments Key Points: No custody of customer funds User-signed transactions only No personal data or KYC collected MiCA Articles 3, 59–76 fully mapped Designed for regulators, auditors, banks,...
Auditor Attestation Templates
Last Updated: February 8, 2026Crypto Credits Compliance Certificates Internal Quarterly Compliance Attestation Entity: Crypto Credits We confirm that during the stated period: ☑ No crypto-assets were held in custody☑ No private keys were accessed☑ No client balances were maintained☑ AI operated within documented limits☑ All transactions required user consent Annual External Audit Attestation Based on the audit scope performed,...
Bank Integration Pack
Last Updated: February 8, 2026Compliance & Technical Assurance Purpose This pack supports banking, EMI, and PSP onboarding by clearly defining Crypto Credits’ compliance scope. Compliance Snapshot Non-custodial No transaction settlement No wallet management No user balances AI advisory-only Transaction Flow (Simplified) Merchant enters amount Terminal generates request Customer signs externally Regulated provider executes settlement Confirmation returned AML & KYC...
Investor Compliance Memo
Last Updated: February 8, 2026Crypto Credits – Regulatory & Risk Position Executive Summary Crypto Credits has intentionally designed its mPOS terminal to operate outside high-risk MiCA custody and exchange categories, enabling scalable EU expansion with reduced regulatory friction. Regulatory Risk Profile Risk Area Exposure Custody risk None Capital requirements Minimal Licensing dependency Low Enforcement sensitivity Low Bank dependency Medium...
MiCA Compliance Summary
Last Updated: February 8, 2026Crypto Credits mPOS Terminal with AI Regulatory Positioning Overview Crypto Credits operates a non-custodial, AI-powered mPOS terminal designed to facilitate crypto-to-fiat payment initiation while maintaining strict separation from custody, settlement, and asset control. Under Regulation (EU) 2023/1114 (MiCA), Crypto Credits is positioned as a technology and payment interface provider, not a crypto-asset issuer or custodian....
Regulator Submission Pack
Last Updated: February 8, 2026Pre-Notification Documentation for EU Authorities Entity Information Legal Name: Crypto Credits Product: Crypto Credits mPOS Terminal with AI Business Model: Non-custodial payment initiation technology Jurisdiction: European Union Deployment Model: Merchant-side terminal software & hardware Regulatory Intent Statement Crypto Credits hereby informs the competent authority of its intention to deploy a non-custodial crypto payment terminal within...
