Question: How do I register?

Answer: You can register through the UniFin Wallet mobile application (iOS and Android) or the web platform. In both cases, the process is simple and secure.

Question: What data is needed to register with UniFin Wallet?

Answer: You need to provide your first and last name, date of birth, citizenship, email address, mobile phone number, and country of residence.

Question: What documents does the system accept for KYC?

Answer: To verify identity through SumSub, we accept passport, national ID card, or driver's license.

Question: Is proof of address required?

Answer: Yes. As proof of address, we accept utility bills, bank statements, or similar official documents.

Question: What additional checks are performed for AML?

Answer: The system checks the client against sanctions lists, PEP status (Politically Exposed Persons), and may also request proof of source of funds.

Question: How long does the verification process usually take?

Answer: Typically, verification takes several minutes. In some cases, the process may take up to 24 hours.

Question: Are there restrictions before completing full verification?

Answer: Yes, before completing full verification, there are limits on deposits, withdrawals, and other operations. After completing KYC, all functionality is available.

Question: How can I find out the status of my application?

Answer: Verification status is always displayed in the personal account of the application or web platform. The client also receives notifications about the progress of the process.

Question: Is 2FA mandatory or optional?

Answer: Two-factor authentication is mandatory for all clients and is enabled on first login. This provides an additional level of security for the account.

Question: What options are supported?

Answer: We support several verification methods: SMS codes, email codes, Google Authenticator, and push notifications in the application. The client can choose the most convenient option.

Question: Can access be restored if the second factor is lost?

Answer: Yes. If access to the second factor is lost, you must go through a recovery procedure through the support service. Additional identity verification (KYC check) may be required.

Question: Is a 'trusted device' feature available?

Answer: Yes. The client can mark a personal device as trusted and not confirm login on each use. However, when attempting to login from a new device, the system always requires additional verification.

Question: What login methods are supported?

Answer: You can log into UniFin Wallet using email and password, as well as biometrics (Face ID, Touch ID) in the mobile application. Login through social networks is not supported for security reasons.

Question: How does password reset work?

Answer: Password reset is available via email or SMS verification. You can also restore access directly in the application by following step-by-step instructions.

Question: Is there a limit on the number of failed login attempts?

Answer: Yes. When the limit is exceeded, the system temporarily blocks the ability to log in to protect against password guessing.

Question: How and by whom is account blocking initiated?

Answer: Blocking can be initiated by the client themselves (for example, if data compromise is suspected) or automatically by the system — in case of suspicious activity or security policy violations.

Question: How can a client restore access after blocking?

Answer: To restore access, you must go through a personal identification procedure through the support service or in the application. In some cases, re-verification (KYC) may be required.

Question: What data can a client change independently?

Answer: You can independently update contact information — email address, mobile phone number, and residential address — directly in the application or web cabinet.

Question: What data requires re-verification (KYC/AML)?

Answer: Changing surname, name, citizenship, or other key identification data requires re-verification (KYC/AML).

Question: How are updated documents uploaded?

Answer: All new documents can be uploaded through the mobile application or web platform in the 'Profile' section.

Question: Is re-verification by the compliance department required?

Answer: Yes. Any changes related to personal identification or address are checked by the compliance department.

Question: Is the client notified of status changes?

Answer: Yes. After verification, the client receives a notification in the application and via email about the results of data updates.

Question: How do I see the balance?

Answer: The balance is displayed for each individual currency and asset, as well as in aggregate in the general control panel.

Question: Is there a separate balance screen?

Answer: Yes. In the application and web platform, a dashboard is available where you can see current balances, dynamics, and transaction history.

Question: Is the balance updated in real time or with a delay?

Answer: All transactions are reflected in real time. In rare cases, there may be a minimal delay when processing external transactions.

Question: Is available balance displayed separately from blocked balance?

Answer: Yes. The interface always shows which amount is available for operations and which is reserved (for example, for pending transactions or investments).

Question: What fiat currencies are supported?

Answer: UniFin Wallet supports major world currencies: EUR, USD, GBP and other popular currencies for international payments.

Question: What cryptocurrencies and tokens can be stored?

Answer: We support major cryptocurrencies (BTC, ETH, etc.), as well as a range of altcoins. The full list is available in the application and is regularly updated.

Question: Is there a separation between 'hot' and 'cold' assets?

Answer: Yes. For security, some funds are stored in 'cold' wallets, while 'hot' storage is used for quick operations.

Question: Can all assets be converted to each other?

Answer: Most assets are available for direct exchange. However, in some cases there may be restrictions on specific pairs.

Question: Are stablecoins supported?

Answer: Yes. UniFin Wallet supports popular stablecoins, including USDT, USDC and others.

Question: Is expansion of the asset list planned?

Answer: Yes. We regularly add new assets, focusing on customer demand and regulatory requirements.

Question: For what period is history stored?

Answer: Transaction history is stored without restrictions and is always available in the application and web cabinet.

Question: Can I download a statement?

Answer: Yes. You can download the statement in PDF or CSV formats for convenience of accounting and reporting.

Question: Are commissions and operation statuses reflected?

Answer: Yes. The history shows all commissions, as well as the status of each operation: 'success', 'processing' or 'rejected'.

Question: Can history be filtered?

Answer: Yes. You can filter operations by type — deposits, withdrawals, exchanges and other transactions.

Question: Are there notifications for each transaction?

Answer: Yes. You receive push notifications in the application about all operations, and you can also configure email notifications.

Question: What limits apply before completing full KYC verification?

Answer: Before completing KYC, there are restrictions on deposits, withdrawals, and exchanges. Full access to operations opens only after identity verification.

Question: Are there daily and monthly limits?

Answer: Yes. For customer protection and in accordance with regulatory requirements, daily and monthly limits are set on deposits and withdrawals.

Question: Are limits the same for all currencies and assets?

Answer: No. Limits may vary depending on the type of currency or asset, as well as the method of transfer (bank, cryptocurrency, etc.).

Question: Can limits be increased?

Answer: Yes. When providing proof of source of funds and additional documents, limits can be increased.

Question: Are there limits on the number of operations?

Answer: Yes. For security and AML control purposes, there may be a limit on the number of daily operations.

Question: What deposit methods are supported?

Answer: You can deposit through SEPA and SWIFT transfers, local bank transfers, as well as using cryptocurrencies.

Question: In which currency can I deposit?

Answer: Deposits are available in major world currencies (EUR, USD, GBP, etc.), as well as supported cryptocurrencies.

Question: How long does crediting take?

Answer: SEPA transfers are usually credited within 1 business day, SWIFT — up to 3 business days. Cryptocurrency transactions are received after the required number of confirmations in the network (usually from several minutes to an hour).

Question: What commissions apply?

Answer: The commission depends on the deposit method and is displayed in the application before confirming the operation. There are no commissions for internal deposits.

Question: Is there a minimum and maximum deposit amount?

Answer: Yes. Minimum and maximum limits depend on the deposit method and customer verification level.

Question: Are additional checks required when depositing cryptocurrencies?

Answer: Yes. When depositing cryptocurrency, the system may request proof of source of funds as part of AML requirements.

Question: To which accounts can funds be withdrawn?

Answer: Withdrawal is available to bank accounts (SEPA, SWIFT) and external crypto wallets supported by the system.

Question: Are only the client's named accounts supported?

Answer: Yes. For security and in accordance with AML requirements, withdrawal is possible only to the client's named accounts and wallets.

Question: How long does withdrawal take?

Answer: SEPA transfers usually take up to 1 business day, SWIFT — from 1 to 3 business days. Cryptocurrency transactions are completed within minutes, depending on network load.

Question: Are there withdrawal limits?

Answer: Yes. There are daily and monthly limits, which depend on the customer's verification level.

Question: How are commissions calculated?

Answer: The commission may be fixed or a percentage of the amount — conditions are displayed in the application before confirming the operation.

Question: Can a withdrawal request be cancelled?

Answer: A request can only be cancelled before it is processed by the system. After confirming the operation, the transaction becomes irreversible.

Question: Are transfers within the system supported without commission?

Answer: Yes. Internal transfers between UniFin Wallet clients are made without commission.

Question: In what currency are internal transfers possible?

Answer: Transfers are available in all currencies and assets supported in the UniFin Wallet.

Question: Are such operations instant?

Answer: Yes. Transfers within the system are instant and are immediately displayed in the recipient's balance.

Question: Are there restrictions on amount and quantity?

Answer: Yes. Limits depend on the customer's verification level. They are displayed in the application and can be increased after providing additional documents.

Question: In which countries are SEPA transfers available?

Answer: SEPA transfers are available in all European Economic Area countries, as well as other countries that have joined SEPA.

Question: Does UniFin Wallet support SWIFT transfers to all banks?

Answer: Yes, the platform supports SWIFT transfers to most international banks. Exceptions are possible only for countries or banks subject to sanctions.

Question: How long does it take to process an international transfer?

Answer: SEPA transfers are usually completed within 1 business day. SWIFT transfers take from 1 to 3 business days depending on the recipient bank.

Question: What commissions are charged for international transfers?

Answer: The commission depends on the transfer method and is displayed in the application before confirming the operation.

Question: Are additional documents required for large amounts?

Answer: Yes. For transfers above the established limit, proof of source of funds may be required in accordance with AML requirements.

Question: Is it possible to track transfer status in the application?

Answer: Yes. UniFin Wallet application provides transfer status tracking at all stages of processing.

Question: Is exchange carried out only at the expense of UniFin ApS internal reserves or through external exchanges?

Answer: All operations are performed directly from UniFin ApS internal reserves. This ensures a fast and transparent process without the participation of external exchanges.

Question: Is the process fully automated or requires manual confirmation?

Answer: The exchange process is fully automated. The client confirms the operation in the application with one action, after which the exchange is executed instantly.

Question: Does the client receive the asset immediately after confirmation or is there a delay?

Answer: Yes, the asset is credited immediately after the deal is confirmed. In rare cases, a slight delay may occur due to technical processing.

Question: Is there a minimum and maximum amount for exchange?

Answer: Yes. Minimum and maximum amounts depend on the specific currency pair and customer verification level. Information is displayed in the application before confirming the operation.

Question: What fiat currencies can be exchanged?

Answer: UniFin Wallet offers major world currencies, including EUR, USD, GBP, as well as additional currencies: CHF, JPY, AUD, CAD, DKK, SEK, NOK and others.

Question: What cryptocurrencies are supported?

Answer: We support major cryptocurrencies (BTC, ETH, etc.), as well as popular stablecoins such as USDT and USDC.

Question: Can I exchange 'crypto ↔ crypto' or only 'fiat ↔ crypto'?

Answer: Yes, both options are available in UniFin Wallet: cryptocurrency exchange between each other, as well as fiat to cryptocurrency exchange and vice versa.

Question: Is expansion of the pair list planned?

Answer: Yes. The list of currency pairs is constantly expanding so customers have access to more combinations and higher liquidity.

Question: Where does the rate come from?

Answer: The rate is formed based on market data with the addition of a transparent UniFin Wallet commission.

Question: Is the rate fixed at the time of order creation or confirmation?

Answer: The rate is fixed at the time the client confirms the deal in the application.

Question: Are there hidden commissions?

Answer: No. All commissions are pre-included in the calculation and shown to the client before confirming the operation.

Question: Is full calculation displayed?

Answer: Yes. Before completing the exchange, the client sees a full calculation: market rate, commission size and the final amount to be received.

Question: How does the client confirm the exchange?

Answer: Deal confirmation occurs directly in the application with one click. For additional security, two-factor authentication (2FA) may be used.

Question: Is it possible to cancel an operation after confirmation?

Answer: No. After confirmation, the deal becomes final and is not subject to cancellation.

Question: How long does it take to execute the exchange?

Answer: Execution is instant, the asset is credited immediately after confirming the operation.

Question: Is the successful operation reflected in the transaction history?

Answer: Yes. All exchanges are automatically recorded and immediately displayed in the customer's transaction history.

Question: What is the investment term?

Answer: The investment term is fixed — 12 months.

Question: What is the minimum and maximum entry amount?

Answer: The minimum amount is determined based on the current value of the investment portfolio and may change. The maximum amount is not limited.

Question: What is the yield range?

Answer: Yield varies from 3.5% to 25% annually and depends on market conditions.

Question: How is income accrued?

Answer: Income is reflected online in real time. The client can capitalize it or withdraw it at any time, but not more than once during the entire investment period.

Question: Can income be withdrawn partially before the end of the term?

Answer: Yes. Income is available for partial withdrawal or capitalization, but this is possible only once during the entire investment period.

Question: How is 100% capital protection ensured?

Answer: Customer capital is fully protected by the product structure and UniFin ApS internal reserves. Regardless of market fluctuations, the original amount is always returned in full.

Question: What happens in case of early termination?

Answer: Early termination is not possible. The investment is valid for the entire term — 12 months.

Question: In what currency is the return made?

Answer: Return is made in the same currency in which the investment was made.

Question: For which cryptocurrencies or tokens is staking/savings available?

Answer: For all supported cryptocurrencies and tokens. The current list is always available in the deal module.

Question: Are there fixed and flexible terms?

Answer: Only fixed terms are available.

Question: How is the yield formed?

Answer: The yield is fixed and specified in advance when concluding the deal.

Question: Is the income paid in the same currency or converted?

Answer: Income is always paid in the same currency or token in which the staking/savings is placed.

Question: How can the client track accrued income in the application?

Answer: Income is displayed online in real time in the UniFin Wallet application.

Question: Are there limits on the amount for staking/savings?

Answer: Yes. Limits may be set by the deal module itself depending on the asset.

Question: Can assets be withdrawn early from staking?

Answer: No. Early withdrawal of assets from staking or savings is not possible.

Question: Are assets protected from loss?

Answer: Yes. All customer assets are under the protection of internal storage systems and UniFin ApS reserves, which minimizes risks even in case of force majeure in the network.

Question: How does the client get an IBAN?

Answer: IBAN is provided automatically when the UniFin Wallet account is activated.

Question: Is this a personal IBAN or a technical account?

Answer: The client receives a personal IBAN registered in their name.

Question: Through which partner is the IBAN provided?

Answer: IBAN is provided through a licensed banking partner of UniFin Group.

Question: In what currency is the IBAN opened?

Answer: By default, IBAN is opened in euros (EUR) and US dollars (USD). At the customer's request, additional currencies can be connected on a paid basis.

Question: Can the IBAN be used for incoming and outgoing payments?

Answer: Yes. IBAN supports incoming and outgoing payments via SEPA and SWIFT. Withdrawal of funds is possible only to the client's named accounts — transfers to third parties are not allowed.

Question: Are the details immediately available in the application?

Answer: Yes. IBAN details are available in the UniFin Wallet application with the ability to copy and share them.

Question: Is there a minimum transfer amount via IBAN?

Answer: No. The minimum transfer amount is not set.

Question: What is the maximum limit per transaction?

Answer: The maximum limit depends on the customer's verification level and can be up to €500,000 per operation.

Question: Are there daily and monthly limits?

Answer: No. Separate daily or monthly limits do not apply.

Question: Source of funds — Proof of source of funds or proof of source of wealth may be required for large transfers.

Answer: When transferring large amounts, confirmation of the origin of assets (Source of Funds or Source of Wealth) may be required.

Question: Are limits different for SEPA and SWIFT operations?

Answer: Limits are the same, but processing conditions may differ depending on the currency and destination country.

Question: In which countries can the client use IBAN without restrictions?

Answer: SEPA payments are available in all SEPA zone countries (41 countries, including all EU states and associated territories). The full current list is published by the European Payments Council.

Question: Are there exceptions (for example, sanctioned countries)?

Answer: Yes. Payments are not available (or may be rejected) for individuals/banks/countries subject to EU/US/UK sanctions, as well as for jurisdictions from FATF 'high risk' lists. Check current sanctions regimes and lists: EU consolidation, EU sanctions map, OFAC programs and FATF lists.

Question: Are payments supported only within the EU or also globally?

Answer: IBAN supports both European SEPA payments and global SWIFT transfers to permitted countries and banks (subject to sanctions and compliance checks).

Question: Can payments be accepted from third parties from any countries?

Answer: No. IBAN in UniFin Wallet accepts incoming payments only from the client's accounts in other financial institutions. Transfers from third parties are not allowed.

Question: Are there restrictions for outgoing transfers to certain regions?

Answer: Yes. Outgoing transfers to jurisdictions under comprehensive sanctions (for example, countries/regions subject to full OFAC programs and other EU/UK regimes) are blocked. Additional checks or refusal are possible for high-risk destinations.

Question: What security methods are used?

Answer: To protect the account, two-factor authentication (2FA), PIN code and biometrics are used. All operations are confirmed by additional security checks.

Question: Are there mandatory password requirements?

Answer: Yes. The password must contain at least 8 characters, include uppercase and lowercase letters, numbers and special characters.

Question: Is login with Face ID / Touch ID supported?

Answer: Yes. In the UniFin Wallet mobile application you can log in using Face ID or Touch ID.

Question: Are auto-logout mechanisms applied for inactivity?

Answer: Yes. After prolonged inactivity, the system automatically ends the session to protect your account.

Question: Is there a system for monitoring unusual activity?

Answer: Yes. The platform tracks suspicious actions (for example, login from a new device or unusual geolocation) and, if necessary, requests additional verification.

Question: How can a client report a suspicious transaction?

Answer: You can immediately report a suspicious operation through the support chat in the application or by contacting our security service by email.

Question: Is the account automatically blocked if hacking is suspected?

Answer: Yes. When suspicious activity is detected, the system may automatically restrict access to the account until verification is complete.

Question: What steps does the compliance department take?

Answer: The compliance department conducts an operation check, analyzes the source of funds, applies AML/CTF measures and, if necessary, contacts the client to clarify details.

Question: Does the client receive compensation in case of confirmed fraud?

Answer: Yes. If fraud is confirmed, customer funds are restored in full under UniFin Wallet protection terms.

Question: Does a Fraud Prevention team exist?

Answer: Yes. UniFin Wallet has a specialized Fraud Prevention team that monitors suspicious operations and prevents fraud 24/7.

Question: What notifications does the client receive?

Answer: You receive notifications about all important events: login from a new device, password change, transaction confirmation and security settings changes.

Question: In what form do notifications arrive?

Answer: Notifications are available as push messages in the application, email notifications and SMS (for critical events).

Question: Can you configure how notifications are received?

Answer: Yes. In account settings, you can choose your preferred method of receiving notifications and the level of their detail.

Question: Are there alerts for large or unusual transfers?

Answer: Yes. The system automatically sends special alerts for large amounts or unusual operations for additional control.

Question: What to do if the client has lost access?

Answer: If you forgot your password or lost a device with 2FA, use the recovery function in the application or contact the support service.

Question: Through which channels can access be restored?

Answer: Recovery is possible via email confirmation, contacting the support service or passing video identification if necessary.

Question: How long does the recovery procedure take?

Answer: Recovery usually takes from several minutes to 24 hours, depending on the verification level.

Question: Is re-verification (KYC) required?

Answer: In some cases, re-verification (KYC) may be required to confirm your identity.

Question: Is there a hotline for urgent recovery?

Answer: Yes. For emergency cases, a hotline is available where specialists will help restore access as quickly as possible.

Question: Is the client obliged to independently declare income or does UniFin ApS do it?

Answer: Yes. The client is obliged to independently declare income and file tax returns in their country. UniFin ApS ensures tax accounting and provides the client with all necessary documents for filing with tax authorities.

Question: Does the platform bear legal responsibility for paying taxes?

Answer: No. UniFin ApS is only responsible for proper tax accounting within its jurisdiction. The obligation to file returns and pay taxes in the country of residence lies entirely with the client.

Question: Does the approach differ for residents of different countries?

Answer: No. The approach is the same for all clients: UniFin ApS provides universal reporting suitable for use in different countries.

Question: In what form does the client receive the report?

Answer: Reports are available in the UniFin Wallet application in PDF and CSV formats. Online export is also provided for convenient integration with accounting systems.

Question: How often are reports generated?

Answer: Reports are automatically generated annually, and can also be obtained monthly or upon individual customer request.

Question: Are commissions and exchange rate differences reflected in the report?

Answer: Yes. The report records all operations, including accruals, commissions and exchange rate differences, making it a complete financial document.

Question: Is the report suitable directly for filing with tax authorities?

Answer: Yes. The report is generated in a universal format suitable for filing with tax authorities. Nevertheless, we recommend coordinating its use with your tax advisors, taking into account the specifics of your country.

Question: Can automatic sending of reports to email be configured?

Answer: No. Automatic sending of reports to email is not provided — reports are only available in the application.

Question: Is integration with external accounting systems available?

Answer: No. Direct integration with accounting systems is not supported.

Question: Is there an API for exporting?

Answer: No. API access for report export is not provided.

Question: Are formats compatible with EU tax systems supported?

Answer: Yes. Reports are generated in universal formats (PDF, CSV) that can be used in EU tax systems and other countries.

Question: Is individual support available for clients from the EU, UK, Canada and other jurisdictions?

Answer: No. Individual tax support for specific countries is not provided.

Question: Are local tax requirements supported (for example, CRS, FATCA)?

Answer: Yes. UniFin Wallet takes into account international standards, including CRS and FATCA, when generating reports and processing customer data.

Question: Does UniFin Wallet provide tax advice or only issue reports?

Answer: No. The platform does not provide tax advice. We provide clients with full reports for independent use and filing with tax authorities.

Question: What commissions apply for account deposits?

Answer: Deposits via SEPA and cryptocurrencies are made without commission. For SWIFT transfers and card deposits, the commission depends on the channel used and the sender bank.

Question: How is the withdrawal commission calculated?

Answer: The withdrawal commission is calculated as a fixed amount or a percentage of the transfer — conditions are indicated in the application before confirming the operation.

Question: Are there commissions for internal transfers between clients?

Answer: No. Transfers within UniFin Wallet between clients are made without commission.

Question: How are commissions for in-platform exchanges formed?

Answer: The commission is included in the exchange rate and is formed as a market price plus a transparent UniFin Wallet spread. The client always sees the final amount before confirming the deal.

Question: Is there a fee for using investment products?

Answer: No. Steady Growth and Staking are available without hidden commissions. The client receives the yield according to the product conditions, and all possible commissions are indicated in advance in the application.

Question: Are there additional hidden fees (for example, for account inactivity)?

Answer: No. UniFin Wallet has no hidden fees, including fees for account inactivity.

Question: Are commissions included in the exchange rate or shown separately?

Answer: The commission is included in the exchange rate. The client always sees the final amount before confirming the deal.

Question: Is the commission displayed transparently before confirming the operation?

Answer: Yes. All commissions are indicated in advance in the application — before performing any operation.

Question: Are additional fees charged for currency conversion?

Answer: No. There are no additional fees for currency conversion — the commission is already included in the exchange rate.

Question: Does UniFin Wallet have multiple tariffs (Basic, Premium, Corporate)?

Answer: Currently, there is a single tariff for all clients. In the future, several tariff plans for individual and corporate clients are planned.

Question: How will they differ?

Answer: Future tariff plans will differ in limits, commissions and access to additional products and services.

Question: Will it be possible to switch to another tariff at any time?

Answer: Yes. After launching the tariff system, switching between tariffs will be available in the application at any time.

Question: Is there a subscription fee for using the service?

Answer: Currently, there is no subscription fee. Terms for new tariffs will be published when they are launched.

Question: Are benefits or discounts available for large clients or companies?

Answer: At the moment, special benefits are not provided. After the introduction of tariff plans for corporate clients, individual conditions are possible.

Question: On which platforms is UniFin Wallet available?

Answer: UniFin Wallet is available for iOS, Android, as well as via web version.

Question: Are minimum OS versions required?

Answer: Yes. For correct operation, iOS 13 and higher or Android 8.0 and higher is required. The web version supports all modern browsers.

Question: Are there differences in functionality between the application and web version?

Answer: The functionality is the same. All main operations (wallet, transfers, exchange, investments) are available both in the application and in the web version.

Question: Can I use multiple devices simultaneously?

Answer: Yes. You can use the account on multiple devices. At the same time, the security system will notify you of login from a new device.

Question: How often are application updates released?

Answer: Updates are released regularly to improve security, stability and add new features.

Question: Are updates installed automatically or only manually?

Answer: On mobile devices, updates can be installed automatically (if enabled in OS settings) or manually via App Store and Google Play. The web version updates automatically.

Question: Is a changelog published?

Answer: Yes. Main changes and new features are published in the update description in App Store and Google Play.

Question: Are there beta versions for testing new features?

Answer: Yes. UniFin Wallet provides access to beta versions for a limited number of users.

Question: How can a client report a bug?

Answer: You can report a technical problem through the support chat in the application or by email indicated in the 'Support' section.

Question: How long does it usually take to fix critical errors?

Answer: Critical errors are fixed on a priority basis. In most cases, the solution takes from several hours to 1–2 business days.

Question: Is the client notified of the solution to their problem?

Answer: Yes. After the error is fixed, the client receives a notification through the support service or email.

Question: What external services is UniFin Wallet integrated with?

Answer: UniFin Wallet works through licensed banking and payment partners to enable incoming and outgoing transactions.

Question: Are Apple Pay / Google Pay supported?

Answer: Not yet. Integration with Apple Pay and Google Pay is in development.

Question: Is there an API for corporate clients?

Answer: Not yet. API for corporate clients is also in development.

Question: Are new integrations planned (for example, accounting systems)?

Answer: Yes. We are currently working on expanding the list of integrations, including compatibility with accounting and corporate systems.

Question: What licenses does UniFin ApS have in Denmark (Danish FSA)?

Answer: UniFin ApS is registered with the Danish Financial Supervisory Authority (Danish FSA) and has licenses for financial activities. [Link to Danish FSA registry]

Question: What licenses are active for the Canadian company (FINTRAC MSB)?

Answer: The Canadian company UniFin Payment Ltd. is registered as a Money Services Business (MSB) with FINTRAC. [Link to FINTRAC registry]

Question: What licenses are planned in Cyprus (CASP MiCA)?

Answer: In Cyprus, UniFin Group is in the process of registering a Crypto-Asset Service Provider (CASP) license in full, in accordance with MiCA requirements.

Question: Are there partner licenses (for example, Banking Circle, BCB Group)?

Answer: No. UniFin Group does not use partner licenses, but has institutional relationships with financial organizations and payment providers.

Question: What obligations does UniFin Group fulfill as an MSB in Canada (FINTRAC)?

Answer: In Canada, UniFin Payment Ltd. fulfills all FINTRAC requirements as a registered MSB: transaction accounting, customer identification (KYC), monitoring of suspicious operations and compliance with money laundering rules (AML/CTF).

Question: What Danish FSA requirements are fulfilled in Denmark?

Answer: In Denmark, UniFin ApS is registered with CUS (Companies Under Supervision) Danish FSA and is required to comply with rules on client asset protection, reporting, risk management, as well as ensuring compliance with MiFID II, AMLD5/6 and other EU regulations.

Question: How is customer protection guaranteed under these regimes?

Answer: All operations comply with local and international regulations. This means that customer funds are segregated from company operational funds, transactions pass through AML/CTF control, and activities are transparent to regulators.

Question: Does the range of available products differ in different jurisdictions?

Answer: Yes. In different countries, product availability depends on local licenses and regulatory requirements. For example, some investment or cryptocurrency services may only be provided within a specific jurisdiction.

Question: How are customers verified?

Answer: We conduct mandatory KYC verification through licensed verification systems. If necessary, proof of source of funds and wealth (Source of Wealth) is requested.

Question: Are regular verification updates conducted?

Answer: Yes. We apply the principle of ongoing monitoring — customers periodically go through updated verification, and their transactions are monitored on an ongoing basis.

Question: How are suspicious transactions tracked?

Answer: All operations pass through automated AML/CTF monitoring systems. When suspicious transactions are identified, they are additionally checked by the compliance department.

Question: Is there a separate MLRO and Compliance Officer?

Answer: Yes. The company has appointed MLRO (Money Laundering Reporting Officer) and Compliance Officer responsible for compliance with regulatory requirements.

Question: Can the client familiarize themselves with the public AML policy?

Answer: Yes. Our public AML/CTF policy is available on the website and can be provided to the client upon request.

Question: Where and how is customer personal data stored?

Answer: All personal data is stored in encrypted form on secure servers located within the European Union.

Question: Are external providers used?

Answer: Yes. We use cloud solutions that comply with EU standards for security and data protection (GDPR-compliant).

Question: How can a client request deletion or a copy of their data?

Answer: The client can submit a request for deletion, correction or a copy of their data through the application or support service.

Question: In what cases can data be transferred to third parties?

Answer: Transfer is possible only in cases provided by law, for example, at the request of regulators, as part of KYC/AML or when executing payment transactions through partners.

Question: Is GDPR complied with in all jurisdictions where UniFin Group operates?

Answer: Yes. UniFin Group complies with GDPR in all countries where it provides services and applies uniform data protection standards for all customers.

Question: Is there a referral program?

Answer: Not yet. A referral program with bonuses for inviting new users is planned for the future.

Question: Can a third-party company use UniFin Wallet under their brand?

Answer: Not yet. The possibility of using white-label solutions is in development.

Question: What modules will be available in white-label?

Answer: Provision of main modules is planned — wallet, exchange, investments and reporting.

Question: How will the white-label solution be licensed?

Answer: The licensing model will be determined after the product launch and will depend on the partner's jurisdiction and business model.

Question: Will interface customization and integration with corporate systems be available?

Answer: Yes. The white-label solution provides flexible interface customization and integration with corporate systems.

Question: What are the requirements for a partner?

Answer: The partner must be a registered company and have the necessary licenses to work with financial services in their jurisdiction.

Question: Is there a public API for integration?

Answer: Not yet. A public API is in development.

Question: What functions will be available via API?

Answer: Functions are planned for balance checking, transaction history retrieval, exchange and transfers.

Question: Is a separate agreement required to obtain keys?

Answer: Yes. API access will be provided only after entering into a separate agreement with UniFin Wallet.

Question: Will there be request limits?

Answer: Yes. API will have limits on the number of requests for security and system stability purposes.

Question: Will there be documentation and a sandbox for testing?

Answer: Yes. The API will be accompanied by detailed documentation and a sandbox environment for testing integrations.

Question: What specific corporate products does UniFin Wallet offer?

Answer: We offer corporate accounts for payment management, currency and cryptoasset exchange, investment solutions, as well as custom services for specific business models.

Question: Are there separate rates and conditions for businesses?

Answer: Yes. Corporate clients have separate rates and service conditions that take into account transaction volume and business specifics.

Question: Is white-label integration available for companies?

Answer: Not yet. The white-label solution is in development and will be available to companies after official launch.

Question: Are solutions offered for startups and small businesses or only for medium/large clients?

Answer: UniFin Wallet is developing solutions available for both small and medium businesses and corporate clients. For startups, simplified connection conditions are possible.

Question: What types of corporate accounts are available?

Answer: Operating, investment and multi-currency corporate accounts are available.

Question: What documents are needed to open a corporate account?

Answer: Account opening goes through the SumSub system. Usually, company incorporation documents, data on directors and beneficiaries, as well as proof of address are required.

Question: Is it possible to open an account completely online?

Answer: Yes. The entire corporate account opening process is carried out online through UniFin Wallet.

Question: What operation limits do corporate clients have?

Answer: Limits are set in the same way as for private clients and can reach €500,000 per transaction. In some cases, confirmation of the origin of assets may be required.

Question: Can multiple users with different access levels be connected?

Answer: Such a function is in development. In the future, companies will be able to appoint administrators, accountants and other users with various access rights.

Question: Does support work 24/7 or during business hours?

Answer: UniFin Wallet support service works 24/7 so clients can get help at any time.

Question: Does the schedule differ for different channels?

Answer: Yes. Online chat is available 24/7, email support works without time restrictions, and the phone line is available during extended business hours.

Question: Are there separate hours for VIP/corporate clients?

Answer: Yes. VIP and corporate clients have a priority support line with faster response time.

Question: In which time zone are support hours indicated?

Answer: All business hours are indicated in EU time (CET/CEST).

Question: Which channels are officially supported?

Answer: We provide support through the built-in chat in the application, email. Additionally, an official Telegram channel is available for notifications.

Question: How quickly do they usually respond via each channel?

Answer: In chat, a response arrives on average within a few minutes, by email — within a business day, by phone — immediately when contacting during business hours.

Question: Is there an SLA on response time?

Answer: Yes. We guarantee a response within 24 hours via any channel.

Question: Is support provided in multiple languages?

Answer: Yes. Support is available in English. Further expansion of the list of supported languages is planned.

Question: In which countries are there physical offices of UniFin Group / UniFin Wallet?

Answer: Offices are located in the countries where UniFin group companies are registered.

Question: Can a client visit the office or is it only a legal address?

Answer: Visit is possible by appointment.

Question: Are there representative offices for receiving corporate clients?

Answer: Yes. Reception of corporate clients is carried out by individual appointment.

Question: Are addresses published on the website or only upon request?

Answer: Addresses of UniFin group companies are published on the website and can also be provided upon request.

Question: Where can the client follow news?

Answer: News is published on the official UniFin Wallet website, in the application and on the company's social networks.

Question: Are updates about new products and versions published in the application?

Answer: Yes. All updates and new features are accompanied by notifications directly in the application.

Question: Is there an email newsletter about important changes?

Answer: Yes. Customers receive an email newsletter with notifications about key changes, important updates and new products.

Question: Are technical work or service interruptions announced in advance?

Answer: Yes. Information about scheduled technical work is published in advance on the website and in the application.