Crypto + finance + bank data = three very serious commitments. We treat them that way.
Üstü Kalsın operates through a licensed MiCA CASP in an EU member state, passported into Poland under MiCA Art. 65. Poland's domestic crypto-asset market act is currently in legislative process; this does not affect our right to provide services in Poland.
We never store your bank credentials. Connection is via a certified AIS (Account Information Service) provider under PSD2. Consent is renewed every 180 days as the law requires. We will remind you in good time.
Your crypto-assets are held by a MiCA-licensed institutional custodian (BitGo Europe GmbH, BaFin-regulated). Each user has an individually accounted balance, reconciled on-chain daily.
Liability for asset loss is limited to market value, as set out in MiCA Art. 75. User funds are covered by a digital asset insurance policy at sub-custodian level. Policy details available on request via the legal section.
Full KYC under AMLD6. We support mojeID and eIDAS 2.0 EUDI Wallet — full verification in under 30 seconds. Travel Rule (TFR 2023/1113) — zero threshold as EU law requires.
Personal data processed only in the EU. Full access, rectification, deletion rights. We do not sell data. We do not advertise based on behavioural transaction data.
We list only stablecoins issued by entities compliant with MiCA Title III/IV: USD Coin (Circle Europe), EURC. Tether (USDT) is not available in Poland under current MiCA requirements.
Compliance questions? compliance@ustukalsin.pl