Legal Aspects

Regulatory Oversight & Licensing

CriptoBanc operates under a unique dual‑licensing model, combining the highest standards of Swiss banking regulation with the progressive framework of the Central Bank of Bahrain (CBB).

• 🇨🇭 Switzerland – FINMA: The banking and securities dealer services are provided by a separate Swiss corporation (Aktiengesellschaft) that holds a full banking and securities dealer licence issued by the Swiss Financial Market Supervisory Authority (FINMA) under the Federal Banking Act. This licensed entity uses a distinct legal name and exclusively serves clients individually onboarded into the FIAT segment.
• 🇧🇭 Bahrain – CBB: CriptoBanc holds a Category 3 Crypto Asset Service Provider license from the Central Bank of Bahrain under its Crypto‑Assets Module. This permits trading, custody, portfolio management, and advisory services to institutional and accredited clients across the MENA region.
• Compliance with international standards: FINMA, FATF, EU AMLD6, and Basel III frameworks are embedded into our daily operations, reporting, and risk management.

Corporate Structure

To ensure regulatory clarity and operational resilience, CriptoBanc is organised under a multi‑entity structure:

• Bahrain Holding Company: Incorporated in the Kingdom of Bahrain, active and subject to the oversight of the Central Bank of Bahrain. Holds the intellectual property rights to the “CRIPTO BANC” trademark (protected under the Madrid System – WIPO).
• Swiss Limited Liability Company: Registered in the Commercial Register of the Canton of Zug, Switzerland, operating under the Swiss Code of Obligations. Provides non‑banking services and coordinates the group’s digital asset strategy.
• FINMA‑licensed Banking Entity (separate legal name): A Swiss Aktiengesellschaft fully licensed for banking and securities dealing. This entity handles all fiat‑denominated banking services, client deposits, and custody of traditional assets.

All entities operate under a unified brand and compliance framework, with clear segregation of duties and client asset protection.

Right of Admission & Private Contracting

CriptoBanc is a private, family-owned investment group. We reserve the full right to accept or reject any client application at our sole discretion, without providing any justification. This right is grounded in the following legal principles:

• 🇨🇭 Swiss Code of Obligations (Art. 1–2): The principle of freedom of contract allows private parties to decide whether to enter into a contractual relationship. No bank is obligated to contract with any individual.
• Swiss Banking Practice: Private banks have long maintained the right to select clients based on compatibility, reputation, and shared values. This is a recognized commercial practice.
• 🇧🇭 Central Bank of Bahrain (CBB) Regulations: While licensed crypto-asset service providers must comply with AML/CFT rules, the CBB does not require universal acceptance of all applicants. Entities may define their own client acceptance policies, provided they are non‑discriminatory on prohibited grounds.
• Freedom of Association: As a private family‑owned group, CriptoBanc is entitled to associate only with those who share its investment philosophy and values.

Client Asset Protection & Bankruptcy‑Remote Custody

CriptoBanc prioritises the safety and legal segregation of client assets above all else:

• Bankruptcy‑remote structures: All client digital assets are held in legally segregated, bankruptcy‑remote accounts. They are never commingled with corporate assets. In the unlikely event of insolvency, client assets are ring‑fenced and returned to clients.
• Non‑custodial on‑chain model: For digital assets, CriptoBanc uses a fully segregated, non‑custodial wallet structure where each client's assets remain individually attributable on‑chain at all times. The client never loses exclusive control over their private keys, consistent with FINMA guidance and the CBB’s Digital Asset Regulatory Framework.
• Fiat banking protection: Fiat currency services are provided by the FINMA‑licensed bank, which imposes strict capital adequacy requirements and client fund segregation in line with Swiss banking law (up to CHF 100,000 depositor protection under Swiss deposit insurance scheme).
• Insurance coverage: Up to $500 million in institutional insurance from Lloyd’s of London and leading Swiss insurers, covering third‑party theft, physical loss, cyber events, and insider collusion.

Governing Law & Dispute Resolution

The legal relationships between CriptoBanc and its clients are governed by the following principles:

• Swiss clients & fiat banking services: Governed by Swiss law. Any dispute arising from the banking relationship shall be submitted to the competent courts of Zurich, Switzerland.
• Digital asset & international clients: Governed by the laws of the Kingdom of Bahrain, with arbitration through the Bahrain Chamber for Dispute Resolution (BCDR).
• Data protection & privacy: Swiss Federal Act on Data Protection (FADP) and, where applicable, the EU General Data Protection Regulation (GDPR).
• Anti‑money laundering: Compliance with the Swiss Anti‑Money Laundering Act (AMLA) and the Central Bank of Bahrain’s AML/CFT Module, aligned with FATF recommendations.

All client agreements are subject to these governing laws, and no contrary choice of law will be effective without express written consent from CriptoBanc.

Intellectual Property & Trademarks

The “CRIPTO BANC” name, logo, and associated trademarks are registered and protected under the Madrid System (World Intellectual Property Organization – WIPO).

• All content on this website (text, graphics, logos, icons, images, data compilations) is the property of CriptoBanc or its content suppliers and is protected by international copyright laws.
• Any unauthorised use, reproduction, or distribution of the trademarks or copyrighted materials is strictly prohibited and may result in legal action.
• Third‑party trademarks and logos appearing on the site remain the property of their respective owners.

Amendments & Disclaimers

CriptoBanc reserves the right to update these legal terms and conditions at any time. Material changes will be communicated via the website or direct client communication channels.

Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any security, nor does it constitute investment, legal, or tax advice. Past performance is not indicative of future results. Digital assets are volatile and involve significant risk.