Funds segregation means that your crypto-assets and fiat funds are kept completely separate from SMART VALOR’s company funds. This ensures that your assets are protected and cannot be used to cover company liabilities, even in the case of insolvency.

Your crypto-assets are stored using Fireblocks, a leading institutional-grade custody platform. Fireblocks uses advanced security measures such as multi-party computation (MPC) and wallet-level segregation to ensure your funds are held safely and can only be accessed through multi-signature authorization policies.

Yes. Client assets are legally segregated and held off-balance sheet. This means they are not part of SMART VALOR’s assets and are not accessible to creditors. In the event of insolvency, a court-appointed trustee would be able to identify and return your assets based on detailed internal custody records and wallet configurations.

Client fiat funds are held in segregated accounts with licensed credit institutions. For example:

• EUR client funds are held at BCB Group.
• CHF client funds are held at Equals Pay.

These accounts are used exclusively for client deposits and withdrawals and are contractually restricted from being used for company operations.

We use dedicated client wallets and bank accounts that are entirely separate from company-controlled accounts. System-level controls, strict access permissions, and bank-side transaction whitelisting prevent any co-mingling of funds. Transactions to or from company accounts are governed by separate approval workflows and cannot be confused with client flows.

SMART VALOR has automated monitoring tools in place that immediately alert our team if any discrepancy occurs between external custody records and internal fund tracking. These alerts are investigated without delay, and any necessary corrections are logged and resolved in line with regulatory requirements.

Crypto-assets are monitored continuously and reconciled through internal procedures supported by Fireblocks wallet records.
Fiat funds are reconciled weekly against bank statements.
All processes are documented and retained for audit and regulatory review.

Who has access to client funds?

Only a small number of authorized individuals within SMART VALOR — such as the CEO, Head of Finance, and Head of Operations — have the ability to approve fund movements. Even they must act within the boundaries of a multi-signature and dual-authorization process governed by Fireblocks and the banks.

Are there legal protections for my funds under MiCAR?

Yes. Under the MiCAR Regulation, client funds must be segregated, protected, and clearly recorded. SMART VALOR complies with all relevant requirements, including those related to custody, insolvency protection, and client rights disclosure.

Yes. If you would like more details or a copy of SMART VALOR’s full Funds Segregation Policy, please contact our Support team. We are happy to provide this information in clear, client-friendly language.