Licenses & Regulatory

1. Company & registration

Xpan Global LLC is a financial technology company registered in Dubai, United Arab Emirates, operating as a digital banking provider. We deliver fiat and digital-asset banking experiences and conduct our activities in accordance with applicable UAE laws and the requirements of the relevant authorities under which we are licensed.

Availability of specific products and features depends on your location and applicable regulatory approvals. Some features may not be available in all regions.

2. Virtual asset activities

Virtual asset services are conducted in line with the UAE's regulatory framework for virtual assets, including, where applicable, the requirements of Dubai's Virtual Assets Regulatory Authority (VARA) and other competent UAE authorities. We only offer virtual asset activities for which the appropriate authorisations or partner arrangements are in place.

3. Banking & custody partners

As a digital banking provider, Xpan is not itself a bank. Fiat accounts and payment services are delivered through licensed partner financial institutions and payment service providers that are regulated by the Central Bank of the UAE or other applicable regulators.

Custody of digital assets is provided either through qualified custodians or via self-custody features that you control. Self-custodied assets are not held by Xpan.

4. Compliance programs

We maintain a compliance program that includes Know Your Customer (KYC), Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT), sanctions screening, and transaction monitoring designed to meet applicable UAE legal and regulatory standards, including Federal Decree-Law No. (20) of 2018 on AML/CFT and its implementing regulations.

• UAE AML/CFT — customer due diligence, screening, and ongoing monitoring.
• SOC 2 Type II — security, availability, and confidentiality controls.
• ISO 27001 — information security management.
• PCI DSS — payment card data security.
• UAE PDPL (Federal Decree-Law No. 45 of 2021) — personal data protection.

5. Licensing requests

For details about a specific authorisation, registration, or partner institution relevant to your jurisdiction, contact support@xpan.money and we will provide the relevant information.