Imprint

Please note that our institution operates exclusively under a fully digital investment banking model. Our offices in Anjouan are maintained solely for regulatory, administrative, compliance, and governance purposes and do not constitute customer-facing premises. Accordingly, such offices are not open to the public, and no in-person visits, meetings, or branch-based customer interactions are offered or permitted.

This operating structure is neither unusual nor exceptional. It reflects a well-established and internationally recognised banking and financial services model that is expressly contemplated and accepted under prevailing supervisory frameworks issued by leading global and regional regulatory bodies. In particular, international standards promulgated by the Basel Committee on Banking Supervision, the Financial Action Task Force (FATF), the Financial Stability Board, and, where applicable, regional authorities such as the European Banking Authority, and other international bodies, accept that licensed banks and financial institutions may operate without physical branch networks, provided that governance, risk management, customer due diligence, and operational resilience requirements are met through alternative means.

Within this framework, supervisory focus is placed not on the existence of publicly accessible premises, but on the adequacy of internal controls, senior management oversight, capital and liquidity management, AML/CFT systems, data protection, cybersecurity, auditability, and the institution’s ability to evidence effective compliance and customer protection on a technology-neutral basis.

Well-known examples of digital-only banks include N26, Monzo, Starling Bank, Atom Bank, Nubank, KakaoBank, WeBank and MYbank. In each of these cases, customer onboarding, account administration, transactional services, regulatory reporting, compliance-related interactions, and customer support are conducted entirely through secure electronic and digital channels, without the provision of physical branch access to clients or third parties.

Our operating model is expressly aligned with these international standards and prevailing supervisory expectations. It is designed to ensure operational efficiency, regulatory clarity, security, scalability, continuity of service, and cost reduction, while maintaining strong internal controls, full data protection safeguards, and a compliance framework fully consistent with applicable laws, regulations, and regulatory guidance.

All correspondence, services, notifications, and support are therefore provided exclusively on a remote basis via our authorised electronic platforms and designated communication channels.

Thank you for your understanding.