Boring where it matters

We move money for families, which means the interesting parts of fintech are not the ones we put in front of you.

Boring where it matters

We move money for families, which means the interesting parts of fintech are not the ones we put in front of you.

Identity, verified once

Identity verification on every account, the same standard your bank uses. We never store full identity documents on our own systems.

Money, with licensed partners

Every recipient screened, every transfer monitored. We will follow US money transmission rules through licensed partners. Customer funds will be held at regulated US financial institutions during the brief period between debit and payout.

Transfers, always trackable

Every transfer is trackable from sent to received, with a status you can check any time and a receipt your family can show at their bank.

Privacy, on by default

We collect what we need to move money safely and nothing more. We do not sell data. We do not run advertising against your transfers.

Compliance, plainly

The fine print, in plain sentences

Three things we get asked the most: who is allowed to move the money, who holds it along the way, and what happens to the data you give us. Here is the long answer.

Sending side: Transfers will be originated through a licensed US money transmitter registered with FinCEN and supervised by state regulators in each launch state.
Receiving side: Payouts will be settled directly to Vietnamese banks through partners holding the required local payment licenses.
Custody: Customer funds will be held at regulated US financial institutions during the brief period between debit and payout.
Limits: The planned standard daily limit at launch is $2,999 per transfer, with higher limits available after additional verification.
Disputes: Errors will be investigated and resolved under the federal Remittance Transfer Rule, which gives you 180 days to report a problem.

Licensing

Denaro Pay will operate through licensed US payment partners who hold the required money transmission coverage. We publish partner and coverage details here the day service goes live in each state.

Who touches your money, and when

A transfer is a relay. Four parties hand it forward in seconds. Each one is regulated for exactly the job they do, and no one holds your money longer than they need to.

Sending partner
01
Licensed US money transmitter
Originates the transfer under their state licenses. Performs the Bank Secrecy Act work the law requires on the sending side.
Payment processor
02
PCI DSS Level 1 US acquirer
Pulls funds from your debit card or bank account. Never sees the recipient's details and never holds the funds.
Custodian
03
Regulated US financial institutions
Holds customer funds during the brief minutes between debit and payout. Funds are segregated from operating cash.
Receiving partner
04
Licensed Vietnamese settlement partner.
Will settle into the recipient's bank account over the Napas 247 real time rail and send the Vietnamese SMS confirmation.

Partner identities will be listed in your in app receipt for every transfer, and republished in full at launch.

Data handling, in five plain sentences

We collect what we need to move money safely, keep it for as long as the rules require, and share it only with the partners above.

What we collect: Identity (name, date of birth, address, ID image), contact (email, phone), transfer detail (amount, recipient bank account, timestamp), device signals (IP, device model), and the messages you send to support.
Why we collect it: To verify who you are as the law requires, to actually move the money, to detect fraud, and to help you when something goes wrong. Nothing is collected for marketing.
How long we keep it: Identity and transfer records for five years after your account closes, as the Bank Secrecy Act requires. Device signals for thirteen months. Support messages for three years. Contact details until you ask us to delete them.
Who we share it with: Only the four partners listed above, and only the fields they need. We do not sell data. We do not share with advertisers. We do not use your transfer history for anything unrelated to providing the service.
Your rights: Request a copy of your data, correct it, or ask for deletion after the retention window above. California residents have additional CCPA rights. Email privacy@denaropay.com from the address on your account; we respond within thirty days.

Full disclosures publish here before the first transfer is sent.

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