Licenses &
Attributions

Base is an Ethereum L2 network developed by Coinbase. Denaro Pay uses Base as its primary settlement network for all USDC transactions. Base is built on the OP Stack, which is licensed under the MIT License. Copyright © 2023 Coinbase, Inc. and OP Stack contributors. See https://github.com/ethereum-optimism/optimism for full license text.

USD Coin (USDC) is a stablecoin issued by Circle Internet Financial, LLC. Denaro Pay uses USDC as its primary balance and settlement currency via Circle Programmable Wallets API. Use of USDC is subject to Circle's Terms of Service. Circle and USDC are trademarks of Circle Internet Financial, LLC.

Denaro Pay Visa debit cards are issued by Marqeta, Inc. under license from Visa International. Card issuance and transaction processing are subject to Marqeta's Platform Agreement. Marqeta is a trademark of Marqeta, Inc. Visa is a trademark of Visa International Service Association.

Airwallex provides fiat on/off-ramp services, multi-currency settlement, and ACH direct deposit routing for Denaro Pay. Use of Airwallex services is subject to Airwallex's Terms of Service and applicable financial services agreements. Airwallex is a trademark of Airwallex Limited.

Morpho Blue is a permissionless lending protocol on Ethereum and Coinbase Base developed by Morpho Labs. Denaro Pay routes USDC into Morpho Blue lending markets to generate yield. Morpho Blue is licensed under the Business Source License 1.1, which transitions to the MIT License after four years. Copyright © 2023 Morpho Labs. See https://github.com/morpho-org/morpho-blue for full license text.

BTQ Technologies provides post-quantum digital signature services using NIST-standardized Module Lattice Digital Signature Algorithm (ML-DSA, FIPS 204) applied to all Denaro Pay on-chain transactions. ML-DSA was standardized by NIST in August 2024. BTQ Technologies is traded on the TSX Venture Exchange (TSXV: BTQ). BTQ is a trademark of BTQ Technologies Corp.

Persona provides government ID verification, liveness checks, and identity orchestration for Denaro Pay's KYC program. Persona is a trademark of Persona Identities, Inc.

Chainalysis provides on-chain transaction screening, OFAC sanctions watchlist screening, and AML monitoring for Denaro Pay. Chainalysis is a trademark of Chainalysis Inc.

Sardine provides behavioral fraud detection, device fingerprinting, and transaction risk scoring for Denaro Pay. Sardine is a trademark of Sardine AI, Inc.

FastAPI is the Python web framework used for the Denaro Pay backend API. Copyright © 2018 Sebastián Ramírez. Licensed under the MIT License.

React Native (MIT License, Meta Platforms) and Expo (MIT License, Expo) are used for the Denaro Pay mobile application. Copyright © Meta Platforms, Inc. and affiliates. Copyright © Expo. Licensed under the MIT License.

SQLAlchemy is the Python ORM used for all database operations. Copyright © Michael Bayer and SQLAlchemy contributors. Licensed under the MIT License.

Foundry is the Solidity smart contract development toolchain. Copyright © Paradigm. Licensed under the MIT License and Apache License 2.0.

IBM Plex Serif and IBM Plex Mono are typefaces designed by Mike Abbink and Bold Monday for IBM. Copyright © IBM Corp. Inter Tight is designed by Rasmus Andersson. All licensed under the SIL Open Font License 1.1.