Our 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 #
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Users retain full control of funds
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No account balances held by Crypto Credits
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Wallets remain independent
Right to Transparency #
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All payments are on-chain
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Public transaction hashes
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Independent block explorer verification
Right to Data Minimization #
Crypto Credits collects only:
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Operational metadata
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Required merchant configuration data
We do not:
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Track balances
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Store private keys
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Profile spending behavior
Merchant & Customer Protections #
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Immutable payment records
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No unilateral reversals
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No hidden fees
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No locked funds
AI & User Safety #
AI features:
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Do not make binding decisions
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Do not override user consent
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Do not execute transactions
AI remains advisory only.
Regulatory Alignment (EU / MiCA) #
Crypto Credits:
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Does not qualify as a custodian
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Does not operate as a VASP holding assets
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Does not perform KYC directly
Where required, compliance is handled by:
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Wallet providers
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Regulated on-ramps
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Regulated off-ramps
Dispute Handling #
Crypto Credits can assist with:
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Transaction verification
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On-chain proof
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Technical diagnostics
Crypto Credits cannot:
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Reverse payments
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Freeze funds
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Modify transactions
Data Retention & Privacy #
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Minimal retention
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Purpose-bound processing
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GDPR-aligned handling
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Right to access & deletion where applicable
Final Statement #
Crypto Credits protects users not by controlling them, but by staying out of custody entirely.
Transparency is the protection.
Document Control #
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Version: 1.0
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Review Cycle: Quarterly
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Applies to: Crypto Credits Platform
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Jurisdiction: EU-Aligned
