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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →To assess a cryptocurrency exchange or lender, first identify the exact legal entity that will hold your money or crypto and verify that entity in the relevant regulator’s register. Then match its permissions to the product and country you will use, and examine custody terms, liabilities, liquidity and reserve evidence. A registration entry is not a guarantee that customer assets will be returned or that the business is financially sound.
Start with the country and the exact legal entity
Do not begin with the app name, logo or domain. Begin with the legal counterparty: the company named in the customer agreement that owes you a balance or controls your deposited assets. A familiar brand may use different subsidiaries for different countries, products and regulatory permissions.
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Record the counterparty before depositing
- Open the customer agreement, terms of service and privacy notice.
- Write down the full legal name, country of incorporation and registered address.
- Identify which entity receives fiat, holds crypto, makes loans or pays yield.
- Note any separate custodian, broker, lending subsidiary or payment company.
- Save the agreement and the regulator record you checked, with the date.
If the app presents only a trading name, keeps changing the contracting entity or gives conflicting company details, stop until you can establish who is legally responsible for your account. Registration of a parent company, payment processor or unrelated affiliate does not establish that the entity holding your assets is authorized.
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Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallUse the regulator’s official register as the starting point
Search the regulator’s own database, not a badge on the firm’s website or a directory copied by a third party. The Financial Conduct Authority (FCA) tells UK consumers to search its Financial Services Register by firm name or reference number, then check the activities and contact details. Japan’s Financial Services Agency (FSA) directs consumers to its registered crypto-asset exchange-operator list and publishes warnings about unregistered operators.
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A seven-step register check
- Find the identifier. Search the legal name from the contract. If available, use the regulator reference number as well as the name.
- Confirm an exact match. Check spelling, corporate suffix, country and registered address. Similar names can belong to different businesses.
- Check current status. Look for active, cancelled, restricted, suspended or transitional status, and read any limitations or notices.
- Read the permission description. Record the specific services listed, such as custody, exchange, dealing, arranging, lending or promotion.
- Compare contact details. The phone number, email, website and address in the register should match the details you were given. A mismatch can indicate impersonation or an unauthorized intermediary.
- Check warnings and enforcement. Search the same regulator for warning notices, restrictions, disciplinary action and consumer alerts.
- Save evidence. Download or screenshot the entry and note when it was checked; registers and permissions can change.
If there is no matching entry, or the firm will not explain a discrepancy, do not send funds while relying on its explanation alone. Contact the regulator through contact information on its own website if you need to resolve an identity question.
Match the permission to the product you will use
Authorization is activity-specific and often location-specific. A firm may be permitted to provide one service while lacking permission for another. Approval to operate an exchange does not automatically authorize lending against deposits, offering yield, holding a particular asset, arranging securities or serving customers in every country.
| What you plan to do | Questions to answer in the register and contract | Why the distinction matters |
|---|---|---|
| Buy or sell crypto | Is spot exchange or dealing listed for this entity and your country? | A payment or anti-money-laundering registration may not cover exchange activity. |
| Leave crypto in an account | Is custody or safeguarding authorized, and which entity performs it? | Trading permission alone does not explain how assets are held or protected. |
| Borrow against crypto | Is lending, credit intermediation or collateral management within scope? | The lender may have different disclosures, capital requirements and insolvency risks. |
| Earn interest or yield | What legal product is being offered, and is it a deposit, security, loan or other arrangement? | The advertised return can involve lending, leverage or asset use not covered by an exchange permission. |
| Trade tokenized securities or derivatives | Is the firm authorized for securities dealing, brokerage, derivatives or arranging? | Securities rules and investor protections can apply to the instrument and role, not to every crypto product. |
| Use the service from another country | Which entity contracts with residents of your country, and are cross-border restrictions stated? | A license in the firm’s home country may not authorize service to your location. |
In the UK, the FCA says most crypto-related activities are not regulated. Its consumer guidance also says that a firm offering certain crypto products must be registered with the FCA or have permission to promote them, but registration does not turn every product into a regulated investment. Read the exact activity and any geographic or product restriction.
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A register entry answers a narrow question: whether a named entity has a stated regulatory status and scope at the time you checked. It does not provide a live balance sheet, guarantee withdrawals, insure a token’s value or promise recovery in an insolvency.
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The FCA puts the point plainly: “Most crypto-related activities aren’t regulated in the UK.” It also warns: “But remember, just because a firm is registered, doesn’t mean you’ll have access to the FSCS or the Financial Ombudsman if something goes wrong.” Those statements concern UK consumers and should not be transferred to another jurisdiction or product.
Japan’s FSA similarly requires crypto exchange operators to register with the FSA or a local finance bureau, while cautioning that registration is not a guarantee of trustworthiness and does not remove the risk of losing assets. In the United States, protections described for registered broker-dealers generally attach to covered securities activity and the broker-dealer’s legal role; they are not universal protections for crypto exchanges or crypto lenders.
Test financial soundness with dated, complete evidence
After confirming scope, examine whether the firm publishes enough information to evaluate its ability to meet obligations. “Financially sound” is not a status conferred by a regulator or a marketing statement. It is a conclusion that requires current evidence, and sometimes the public record is insufficient to reach one.
Look for financial statements, not just ratios
- Reporting period: note the balance-sheet date and how old it is relative to your decision.
- Completeness: determine whether statements cover the legal entity that owes you money, rather than a parent or selected subsidiary.
- Liabilities: look for customer claims, loans, related-party obligations, litigation and contingent liabilities.
- Liquidity: identify cash and readily available assets, maturity mismatches and restrictions on moving reserves.
- Audit scope: identify the auditor, the standards used and any qualification, limitation or emphasis of matter.
- Capital and loss exposure: understand how volatile assets, collateral calls, leverage and counterparty defaults could affect the entity.
An unaudited presentation, a selected subsidiary’s accounts or a single reserve ratio cannot answer all of these questions. If material information is absent, record the unknown rather than converting it into an assumption that the firm is safe.
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Treat proof-of-reserves as limited evidence
A proof-of-reserves report can show that an assessor observed specified wallets or assets at a particular time. It may not show the firm’s complete liabilities, obligations to borrowers, assets held elsewhere, transactions between snapshots or whether the observed assets are later moved or encumbered.
The U.S. Securities and Exchange Commission’s investor alert says: “In sum, investors should exercise extreme caution when relying on proof of reserves to conclude that a crypto asset entity has sufficient reserve assets to meet customer liabilities.” The warning applies to the evidentiary limits of these reports; it is not a statement that every report is fraudulent.
Questions to ask about any reserve report
- Date and frequency: when was the observation made, and is it repeated often enough to reveal changes?
- Assets in scope: which coins, fiat balances, wallets, custodians and legal entities were included?
- Liabilities in scope: were all customer balances, loans, claims, derivatives and off-balance-sheet obligations included?
- Encumbrances: are assets pledged, borrowed, rehypothecated or otherwise unavailable for withdrawal?
- Methodology: how were wallet ownership, balances, valuation and customer liabilities tested?
- Assurance level: is this an agreed-upon procedure, attestation or audit, and what exactly does the provider’s opinion cover?
- Independence: who performed the work, who paid them and do they have relevant professional oversight?
A report that omits material liabilities or uses a snapshot without explaining movements should be treated as a narrow observation, not as proof that every customer can withdraw in a stressed market.
Read custody terms for the failure scenario
Your most important question may be what happens to your assets if the firm fails. Read the custody and lending clauses before depositing, not only the risk summary after opening an account.
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Terms that change your legal position
- Segregation: are customer assets held separately from the firm’s own property and from other customers’ assets?
- Ownership: do you retain title to specific assets, or do you receive a contractual claim for an equivalent amount?
- Lending and rehypothecation: may the firm lend, pledge, stake, pool or otherwise reuse your assets without a separate instruction?
- Commingling: can customer fiat or tokens be mixed with operating funds or another product’s collateral?
- Withdrawal rights: are withdrawals immediate, subject to queues, minimums, discretionary pauses, network conditions or verification holds?
- Insolvency treatment: does the contract say whether you have a proprietary claim, a trust claim or merely rank as an unsecured creditor?
- Choice of law: which country’s insolvency and property law governs, and where would a dispute be heard?
A Michigan consumer alert warns about undisclosed lending and rehypothecation and notes that customers may be unsecured creditors in bankruptcy. That outcome depends on the contract and applicable law, so obtain jurisdiction-specific legal advice for a substantial balance. A “segregated” label is not enough; look for how segregation is implemented and what records identify each customer’s entitlement.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Use operational behavior as a warning signal
Operational problems do not prove insolvency, but they justify pausing deposits and investigating. A withdrawal interruption can result from a blockchain outage, cyber incident, compliance review, liquidity stress or an ordinary maintenance event. The signal becomes more serious when the explanation is vague, repeatedly delayed or inconsistent with the terms.
- Register contact details do not match the app, emails or support channels.
- Staff promise unusually high or “guaranteed” returns, especially with urgency.
- An unsolicited message pressures you to transfer funds or bypass normal verification.
- The firm will not identify where customer assets are held or whether they are lent out.
- Withdrawals are paused without a clear reason, timetable or route for complaints.
- Support becomes inaccessible when you request a statement, withdrawal or legal-entity explanation.
- The firm changes terms after deposits, particularly around asset use, redemption or insolvency.
- Public disclosures are stale, selective or limited to marketing dashboards and reserve ratios.
When a warning appears, preserve account records, stop adding funds, request a written explanation and check the regulator’s warnings and enforcement notices. Do not send an additional “tax,” “unlock,” or “verification” payment merely to release a withdrawal unless you have independently verified the legal basis and counterparty.
Jurisdiction-specific points
United Kingdom
Use the FCA Financial Services Register and search by legal name or firm reference number. Confirm the listed activities and contact details rather than relying on a registration badge. FCA consumer guidance says most crypto-related activity is outside regulation and that registration alone does not provide automatic access to the Financial Services Compensation Scheme or the Financial Ombudsman Service.
The FCA’s published timetable states that its new cryptoasset regime for firms granted permission under the Financial Services and Markets Act applies on or after 25 October 2027. FCA application guidance was shown as last updated 30 June 2026. This is a future-dated implementation point; recheck the current FCA rules and transitional arrangements before relying on it, because the applicable regime can change before a transaction.
United States
Start by identifying whether the product is a security, commodity, payment service, loan or custody arrangement and which legal role the firm claims. SEC guidance on custody, recordkeeping and financial responsibility concerns registered broker-dealers in securities contexts. Do not treat those obligations as universal crypto-exchange or crypto-lending protection. Check the relevant federal and state regulator for the entity and activity, then read the contract for bankruptcy and custody provisions.
Japan
The FSA says crypto-asset exchange operators must register with the FSA or a local finance bureau. Use its registered-operator list and unregistered-operator warnings, and match the listed entity to the contract. The FSA also cautions that registration does not guarantee trustworthiness or make assets risk-free.
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Other countries
There is no single worldwide crypto register. Locate the national authority responsible for the particular service—financial, securities, payments, banking or anti-money-laundering—and check the exact entity and activity. Do not import UK, US or Japanese compensation rules, custody assumptions or licensing categories into another country.
Compare firms on normalized, dated evidence
If you are choosing between two providers, compare the same dimensions and record the date and scope of every item. Do not turn missing information into a zero or combine unlike permissions into a single “safe” score.
| Comparison axis | Evidence to record | Interpretation |
|---|---|---|
| Regulatory scope | Exact entity, jurisdiction, register status, authorized service, conditions and restrictions | Shows what the firm may do, not whether it can meet every obligation. |
| Customer-asset treatment | Segregation, ownership, lending or pledging rights, rehypothecation, withdrawals and insolvency wording | Shows your contractual position if operations or solvency deteriorate. |
| Financial transparency | Complete statements, reporting date, auditor, audit scope, liabilities and liquidity disclosures | Indicates how much evidence exists about the entity’s financial condition. |
| Reserve evidence | Assets and liabilities covered, snapshot date, methodology, assessor independence and assurance level | Shows the limits of a reserve observation; it is not automatically a balance-sheet audit. |
| Operations and recourse | Withdrawal interruptions, regulator warnings or enforcement, complaint routes and applicable protection schemes | Shows practical access and available remedies for the specific entity and activity. |
Normalize dates before drawing a conclusion. A six-month-old audited statement and a yesterday’s wallet snapshot measure different things. If one firm discloses liabilities and the other does not, say that the evidence is not comparable instead of declaring the second firm safer or riskier.
A practical stop-or-proceed decision
Proceed only when the basic identity and scope are clear
- You can name the contracting entity and country.
- An official register contains an exact, current match.
- The listed permission covers the product and your location.
- Terms explain custody, asset use, withdrawals and insolvency treatment.
- Financial statements and reserve material are dated, scoped and understandable enough to evaluate.
- You know which complaint, court and compensation routes actually apply.
Pause when a material question remains unanswered
- No register entry can be matched to the entity holding your assets.
- The firm relies on another company’s license or a generic “regulated” claim.
- The advertised yield is unexplained or depends on undisclosed lending or leverage.
- Liabilities, liquidity, asset ownership or rehypothecation are omitted from the terms.
- A reserve report covers only selected assets or gives no meaningful liability and methodology detail.
- Withdrawals are restricted and support cannot provide a credible, documented explanation.
The result of this process may be “the public evidence is insufficient.” That is a valid due-diligence conclusion. It is more accurate than calling a firm financially sound because it is registered, published a reserve ratio or processed one successful withdrawal.
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