Regulatory & Partner Disclosures
qeam.net is a technology platform. The regulated financial services we surface — IBAN issuance, payments, card issuing, and the safeguarding of client funds — are delivered exclusively through our network of regulated partner institutions.
EUR IBAN partners
EUR IBAN accounts are issued by regulated EMIs and partner banks in the EEA. Client funds are safeguarded by the issuing institution in line with applicable EU rules.
USD bank partner
USD accounts are issued by our US banking partner with ACH and Fedwire access. Eligible deposits are held at FDIC-insured institutions subject to the partner bank's terms.
Card issuer
Virtual and physical cards are issued by our card-issuing partner under licence from Mastercard® International Incorporated.
Safeguarding
qeam.net does not hold, access, or control client funds. All client money is held and safeguarded by the regulated issuing institution at all times.
AML & sanctions
All onboarding is subject to KYC, KYB, sanctions and PEP screening performed by qeam.net and by our partner institutions; approval is at the partner's sole discretion.
Supervision
Our partners are supervised by national competent authorities in their home jurisdictions (EEA national regulators for EU partners; US federal and state regulators for US partners).
Important disclosures
qeam.net is not a bank, EMI or licensed financial institution. We do not solicit deposits, do not hold client funds, and do not offer investment advice.
Use of qeam.net is subject to our Terms of Service, Privacy Policy and AML Policy, as well as the terms and policies of the relevant partner institution issuing your account or card.
Eligibility, account opening and ongoing access are subject to KYC / KYB checks, sanctions and PEP screening, and partner approval. Approval is not guaranteed.
For specific partner names, licence numbers and supervising authorities applicable to your account, please contact us — we share these as part of the commercial onboarding pack.
Regulatory FAQs
Need a partner-specific disclosure?
Our team can share the relevant partner institution, jurisdiction and supervising authority for your account.