Regulatory Information

1. Our Registrations & Licenses

• Comoros Islands: Licensed as an international banking entity, enabling global operations.
• British Virgin Islands: Registered under BVI financial services regulations.
• Dominica: Authorized under Dominica’s international financial services framework.

2. International Standards We Follow

• FATF (Financial Action Task Force): Full compliance with AML/CTF recommendations.
• Basel III Framework: Risk management, capital adequacy, and liquidity standards.
• OECD Principles: Transparency, corporate governance, and cross-border financial cooperation.
• GDPR & UK GDPR: Personal data protection and privacy rights for our customers worldwide.
• PCI DSS: Secure handling of cardholder data for payment processing.

3. Cross-Border Operations

• Unified 30-Country Network: We streamline banking across 30 countries, treating them as one financial ecosystem while respecting local regulatory obligations.
• Local Compliance: Our services adapt to the specific regulatory environment of each jurisdiction.
• Reporting & Monitoring: Transactions are continuously monitored, with suspicious activity reported to the relevant authorities.

4. Commitment to Customers & Investors

• Transparency: Clear disclosure of fees, risks, and rights.
• Investor Confidence: Strong governance, licensed presence in multiple regions, and alignment with international standards.
• Customer Protection: Dispute resolution processes, 24/7 support, and compliance oversight.
• Marketplace Oversight: All merchants verified through KYB checks, ensuring safe participation in our bank-integrated Marketplace.

5. Governance & Oversight

• Independent Compliance Team: Includes Compliance Officer and MLRO (Money Laundering Reporting Officer).
• Audits & Reviews: Regular external audits and regulatory inspections.
• Training & Ethics: All employees undergo regular compliance and ethics training.
• Zero Tolerance: Against money laundering, fraud, corruption, and illegal activities.

6. Official Administrative Information

Operated and managed by John Financial Services — John F. S. Limited (UK)
Company Number: 15762394
Support: support@tranzdb.com | +44 7577 382335

7. Important Notice: No Bank Instruments

Tranz Digital Bank does not issue or arrange SBLC, Bank Guarantees (BG), Banker’s Drafts, or any similar bank instruments.