Sinku is a financial technology company, not a bank or licensed financial institution. We provide the technology layer that connects you to financial services delivered by independent, licensed partners:

• Licensed Partner — for payment card issuance and financial services on the Visa and Mastercard networks
• Privy — for non-custodial wallet infrastructure (you hold the private keys, not Sinku)

These partners operate under their own regulatory authorisations and are responsible for compliance with financial regulations, KYC verification, and anti-money laundering requirements.

Sinku does not hold, control, or have custody of your funds. Our compliance policies are based on community protection and respect for global standards including AML, CTF, and KYC requirements.

For a full explanation of our model, visit our How We Work transparency page.