Ephelia US PS LLC (NMLS ID 2478862) is a Money Services Business (MSB) registered with the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN - MSB Registration Number: 31000169626190) under the Bank Secrecy Act (31 U.S.C. § 5330; 31 C.F.R. § 1022.380) and licensed as a Money Transmitter in the State of Wyoming under the Wyoming Money Transmitters Act (Wyo. Stat. §§ 40-22-102–103); services include payments, stored value/e-money (prepaid access) and virtual asset services (VASP), including stablecoin issuance, where permitted (31 C.F.R. § 1010.100(ff)).

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Ephelia Swisstech SA provides payment transaction services (e-money and VASP) and qualifies as a financial intermediary under the Swiss Anti‑Money Laundering Act (AMLA; SR 955.0; Art. 2(3)(b)). In accordance with Art. 14(1) AMLA, Ephelia Swisstech SA is affiliated with SRO PolyReg for AMLA supervision. SRO PolyReg is a self‑regulatory organisation recognised under Art. 24 AMLA; FINMA is responsible for recognising and supervising SROs (Art. 18(1) AMLA).

In the European Economic Area (EEA), Ephelia Swisstech SA acts as a distributor of electronic money issued by Currencycloud B.V., a Dutch electronic money institution authorised by De Nederlandsche Bank (DNB) (DNB relation no. R142701; Wet op het financieel toezicht (Wft) s. 2:10a; EU passporting of cross‑border services: Wft s. 2:107a); distribution and redemption of electronic money through natural or legal persons acting on behalf of an electronic money institution is permitted under Directive 2009/110/EC (E‑Money Directive), Art. 3(4) (and electronic money institutions may not issue electronic money through agents: Art. 3(5)).
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Ephelia Capital Sagl is authorised by the Swiss Financial Market Supervisory Authority (FINMA) as a Portfolio Manager pursuant to the Swiss Financial Institutions Act (FinIA; SR 954.1; Art. 5(1) and Art. 17) and is subject to ongoing prudential supervision by AOOS – Schweizerische Aktiengesellschaft für Aufsicht, a supervisory organisation within the meaning of the Swiss Financial Market Supervision Act (FINMASA; SR 956.1; Art. 43a).

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Ephelia NZ PS Limited (FSP732651; NZBN 9429045870071) is registered on the New Zealand Financial Service Providers Register (FSPR) under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 (ss 5, 11) to provide the following financial services: keeping, investing, administering, or managing money, securities, or investment portfolios on behalf of other persons; operating a money or value transfer service; issuing and managing means of payment; and changing foreign currency  (e-money and VASP).

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Quid UK Global Limited (an Ephelia group company) is registered with the UK Financial Conduct Authority (FCA) as an EMD Agent (Ref. No. 903006) of The Currency Cloud Limited (FCA FRN 900199); payment services and e-money services are provided by The Currency Cloud Limited, an FCA-authorised electronic money institution under the Electronic Money Regulations 2011 (SI 2011/99), reg. 34(1).

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