Licensing & Regulatory Information
Last updated: March 2025
CardFi operates as a financial technology platform. This page outlines our company registration details, regulatory status, and compliance framework. We are committed to full transparency about our legal and regulatory standing.
1. Company Information
Legal Entity Name
CardFi Technologies Inc.
Business Type
Financial Technology Company — Virtual Card & Crypto Payment Services
Platform Domain
cardfi.online
2. Regulatory Compliance Framework
CardFi is designed to operate within applicable financial regulations across our supported jurisdictions. Our compliance programme includes:
- AML/CFT Programme: Comprehensive Anti-Money Laundering and Counter-Terrorism Financing controls in line with FATF recommendations
- KYC Procedures: Identity verification for all users as required by financial regulations
- Transaction Monitoring: Real-time automated and manual monitoring of all transactions
- Sanctions Screening: Screening against OFAC, EU, UN, and HM Treasury sanctions lists
- Data Protection: GDPR and CCPA compliance for user data handling
3. Card Programme Compliance
CardFi's virtual card programme operates through licensed card issuers and payment network partners. The virtual cards issued on our platform are subject to:
- Visa or Mastercard network rules and compliance requirements
- Card issuing bank's regulatory obligations and licences
- PCI DSS (Payment Card Industry Data Security Standard) compliance for card data handling
Information about our specific card-issuing banking partners is available on our Banking Partners page.
4. Cryptocurrency Operations
CardFi facilitates the use of USDT (Tether) stablecoin on the TRON blockchain network. Our cryptocurrency operations include:
- Accepting USDT deposits for platform funding purposes only
- We do not operate as a cryptocurrency exchange or trading platform
- We do not provide investment advice or manage cryptocurrency assets
- USDT held in user accounts is used exclusively for card-linked spending
5. Jurisdictional Restrictions
CardFi services are NOT available in jurisdictions where cryptocurrency or virtual card services are prohibited or heavily restricted by law. Users are responsible for ensuring compliance with local laws. See our Supported Countries page for the complete list of restricted jurisdictions.
6. Governing Law
These terms and all legal matters relating to CardFi are governed by applicable laws. Our Terms of Service contains the full governing law clause. In the event of any dispute, the parties agree to attempt resolution through our formal dispute process before pursuing legal action.
7. Compliance Contact
For regulatory, compliance, or legal enquiries:
8. Law Enforcement Requests
Law enforcement agencies seeking user information or records must submit formal legal process (court order, subpoena, or equivalent) to legal@cardfi.online. We will respond to valid legal process in accordance with applicable law.
© 2025 CardFi Technologies Inc. All Rights Reserved.