Thank you for entertaining an old grinch, and thank you for your invitation - I will take a visit next time I'm in Panama.

It is reassuring to see your business license and SWIFT registration. However, I have the impression that you either need a trust license or a bank permit, both issued by the "Superintendencia de Bancos de Panama", in order to be able to accept deposits from customers. Am I mistaken, or do you have such a license?

Edit: Sorry if all my nosing around sounds negative, that's not my intention: I'm really a big fan and I think you provide a very important service that will be a kick-ass success, I'm just trying to get a better understanding of the business.