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Regulatory Information

The regulated entities behind the services available through iSAP Exchange.

iSAP Exchange

iSAP Exchange FZCO operates as a technology platform. It holds a commercial licence and does not hold a financial services authorisation from the Central Bank of the UAE, the Virtual Assets Regulatory Authority, the Dubai Financial Services Authority or the ADGM Financial Services Regulatory Authority.

Payment, remittance, e-money, virtual asset and account information services accessed through the platform are provided by the regulated partner institutions listed below, each under its own authorisation.

Partner institutions

Sokin

Multi-currency accounts, foreign exchange and international payments.

UK accounts are provided in partnership with Modulr FS Limited, an Electronic Money Institution authorised by the Financial Conduct Authority (FRN 900573). Electronic money is not covered by the Financial Services Compensation Scheme; funds are safeguarded under the Electronic Money Regulations 2011.

Bridge

Stablecoin infrastructure: on-ramp, off-ramp, custody and cross-border transfer.

The Luxembourg authorisations were granted in June 2026 and passport across the 27 EU member states. Bridge is part of the Stripe group following its acquisition in February 2025. Customers outside the United States and the European Economic Area are served by Bridge Building Limited. Bridge does not hold a UAE authorisation.

Lean Technologies

Open finance connectivity to UAE bank accounts.

Registered at WeWork Hub71, Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi. The ADGM permission does not extend to dealing with retail clients. Lean also operates in Saudi Arabia under the Saudi Central Bank regulatory framework.

Plaid

Open banking account connectivity in the United Kingdom, European Union and North America.

Exthand (BankingSDK)

Open banking connectivity to European bank accounts.

Account information and payment initiation services are provided under Digiteal SA's authorisation from the National Bank of Belgium.

Belmoney

International remittance across the European Economic Area and partner payout networks.

Registered at Avenue Louise 54, 1050 Ixelles, Brussels. Authorised since 2019 and passported across the European Economic Area.

KwiikPay

Multi-currency accounts, virtual IBANs and stablecoin settlement.

Registered at 545-525 Wilson Avenue, North York, Ontario M3H 0A7. Registration status: Registered. Initial registration 22 September 2025; current registration valid to 30 September 2028. Registration with FINTRAC establishes obligations under Canadian anti-money-laundering legislation and is a registration rather than a licence.

CryptoShield

Digital asset wallet infrastructure and transaction monitoring, provided under a white-label arrangement with an infrastructure partner.

Scope of services

UAE authorisations

Of the partner institutions listed above, the following hold authorisations in the United Arab Emirates:

• Sokin DIFC Limited — Dubai Financial Services Authority, Money Services Provider, Category 3D
• Lean Technologies Ltd — ADGM Financial Services Regulatory Authority, Financial Services Permission; and an in-principle approval from the Central Bank of the UAE for Open Finance Services

The remaining partner institutions are authorised or registered in the jurisdictions stated in their respective entries and do not hold a UAE authorisation.

Keeping this current

Authorisations, registration numbers and corporate entities change. This page reflects information available at the date shown above, drawn from the regulators' public registers and the partners' own regulatory disclosures. Where a figure matters to you, we recommend confirming it directly on the relevant regulator's register.

For questions about this page, or to request written confirmation of a specific partner's status, contact office@isapexchange.com.

See also our Terms & Conditions, Privacy Policy, KYC and AML pages.