Compliance
Regulated, safeguarded, accountable.
Trust is the whole product. Here is exactly how we’re authorised, how client money is kept separate from ours, and an honest account of what is and isn’t covered.
DigiDoe is an FCA-authorised Electronic Money Institution (FRN 901043), not a bank. Relevant funds are safeguarded in accordance with applicable EMI requirements and are not protected by the FSCS.
Authorised & certified
How we’re authorised and certified.
Authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution, not a bank.
FRN 901043 · verify on the FCA register ↗
Relevant funds are safeguarded in accordance with the Electronic Money Regulations and held separately from our own funds.
Safeguarding partners named on request.
Certified information-security management protecting client data and systems, certified by the British Assessment Bureau.
Certified business-continuity management so the service stays resilient, certified by the British Assessment Bureau.
Proprietary infrastructure built in-house, with no third-party data exposure.
Safeguarding arrangements are independently audited.
Independent auditor, named on request.
Safeguarding
Your money, never mixed with ours.
Relevant client funds are safeguarded and held separately from DigiDoe’s own funds. Ring-fenced, segregated, and independently audited.
Our money
DigiDoe operating fundsCompany accounts · revenue · costs
Your money
Client funds · safeguardedHeld separately from our own funds · segregated · FRN 901043
Financial intelligence
Compliance that clears legitimate money, and stops the bad.
In-house AML, KYC/KYB, sanctions screening, transaction monitoring and counter-fraud are built into the platform, engineered to understand layered ownership — so a legitimate intercompany transfer doesn’t get frozen because a checklist didn’t understand it.
Straight answers
What’s protected, and how.
Why might a payment be delayed or declined?
We clear legitimate payments where AML and sanctions checks are satisfied. A payment may be delayed or declined where required by law or by our risk appetite, or where it exceeds account limits. We aim to be fast, but compliance is not optional.
How fast is onboarding, really?
For many clients, onboarding takes hours rather than weeks, but it is subject to documentation and compliance checks, and genuinely complex structures may take longer. We’d rather set an honest expectation than miss one.
Is my money protected by the FSCS?
No. E-money accounts are not bank accounts and are not protected by the Financial Services Compensation Scheme. Instead, relevant funds are safeguarded in accordance with applicable EMI requirements and held separately from DigiDoe’s own funds.