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Distinctions people get wrong

Five differences in law or in mechanics, stated plainly. Each one decides how the Group’s work should be read.

Holder of rights, or operator

The Group owns architecture, software and brands. An operator carries on a regulated activity with customers. The Group is the first, never the second: where a project involves a regulated activity, a licensed operator carries it on in its own name.

Registration, or licence

Neo Bankers sp. z o.o. is entered in the Polish Register of Virtual Currency Activities, No. RDWW-411. That is an anti-money-laundering registration. It is not a licence, and it is not authorisation under MiCA.

Technology provider, or service provider

A technology provider supplies the system. A service provider, such as a bank, a payment institution or a crypto-asset service provider, uses a system to serve customers under its own authorisation. IDFE is an IT solution for the second.

IT platform, or regulated service

A platform that can hold ledgers, run checks and keep records is not, by itself, a payment service, a deposit or a custody service. It becomes part of one only when a licensed institution operates it for its customers.

A brand, or a registered mark

The Group’s names are used as unregistered marks and shown with ™. The symbol ® is used only once a mark is registered. See the IP register.

Opinion and information only. Not advice, an offer or a financial promotion.

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