Compliance FAQ
Yes.
3F Banking operates as a financial technology platform under the brand FFFactory.
All regulated financial and payment services are provided by MNSPAY LIMITED, a licensed and registered financial services provider.
MNSPAY LIMITED is licensed and registered in the following jurisdictions:
🇨🇦 Canada (FINTRAC)
Registered Money Services Business (MSB)
MSB Registration Number: M23895777
Authorized activities include money transferring, payment services, and dealing in virtual currencies.
🇦🇺 Australia (AUSTRAC)
Registered Remittance Provider
AUSTRAC Account Number (AAN): 100857791
Regulatory Disclosure for EU / German Users
3F Banking is not a bank and does not hold a license from the German Federal Financial Supervisory Authority (BaFin).
The services offered on this website do not constitute banking services under German or EU banking law.
They are provided as payment, money services, and cryptocurrency-related services through a licensed financial services provider.
Regulated services are provided by:
MNSPAY LIMITED
Registered Money Services Business (MSB) – Canada
FINTRAC MSB Registration No.: M23895777
Registered Remittance Provider – Australia
AUSTRAC Account No.: 100857791
Registered address:
301–3450 Uptown Blvd
Victoria, BC, Canada, V8Z 0B9
3F Banking / FFFactory operates as a technology platform and brand.
All regulated financial services are provided in accordance with applicable laws and licensing requirements.
Customer funds are handled in accordance with applicable regulatory requirements and industry standards.
Funds are processed through regulated financial institutions and licensed partners.
3F Banking does not use customer funds for proprietary trading or lending.
KYC (Know Your Customer) verification is required by law.
It helps us:
Prevent fraud
Comply with Anti-Money Laundering (AML) regulations
Protect users and the financial system
KYC is mandatory for accessing certain services such as accounts, cards, or crypto transactions.
Depending on your location and service usage, we may request:
Government-issued photo ID
Proof of address
Selfie or biometric verification
Additional documents if required by regulation
All data is processed securely.
3F Banking complies with AML laws applicable in Canada and Australia.
This includes:
Transaction monitoring
Risk assessments
Suspicious activity detection
Reporting to regulatory authorities where legally required
Cryptocurrency services are subject to financial regulations depending on jurisdiction.
MNSPAY LIMITED is authorized to deal in virtual currencies under its Canadian MSB registration.
Crypto services involve inherent risks and are provided in compliance with applicable laws.
Yes.
Cryptocurrencies are volatile and prices can change rapidly.
You may lose part or all of your funds.
3F Banking does not provide investment advice and does not guarantee profits.
We comply with:
GDPR (European Union)
PIPEDA (Canada)
Security measures include:
Data encryption
Restricted access controls
Secure storage
Continuous monitoring
More details are available in our Privacy Policy.
Data is shared only when necessary, for example with:
Identity verification providers
Payment processors
Card issuers
Regulatory authorities (when legally required)
All partners are contractually obligated to protect your data.
Accounts may be temporarily restricted due to:
Incomplete KYC
Suspicious or unusual activity
Regulatory requirements
Violations of our Terms of Service
This is done to protect users and comply with the law.
Registered Address:
MNSPAY LIMITED
301–3450 Uptown Blvd
Victoria, BC, Canada
V8Z 0B9
📧 Support: support@3fbanking.com
📧 Compliance: compliance@3fbanking.com
Regulatory status can be verified through:
FINTRAC (Canada) – MSB Registry
AUSTRAC (Australia) – Remittance Provider Registry
Details are also published on our Regulation & Licensing page.