And one more hint, even if we are not allowed by the contract to put at "partners" section the name of the mother EMI, still you will be able to see it on the terms and conditions of the app because there it must be. I know most of the people do not read that but if you are curious you can read it and find out the name. This updated terms and conditions will show up when you download and use the app, not on our current website.

Hello , it will be released in May

the linkedin profile are on the website if you hover over the pictures there is a small icon to click.

Would you be interested in a partnership with morfin.io project ? It might help adoption

It's not our goal, there is enough space in the market for everybody

when we release the BETA in May, yes you will be asked to finish the onboarding, meaning KYC. We are performing regulated activities under EMI license, so this is required by law.

Hello,
The expansion has for us two obstacles: 1. KYC/AML is more difficult and more costly for some countries (as an example where the automatic KYC success rate is low) 2. providing cost-effective services in the local currency.For the BETA we will try to onboard also some people outside of Europe, to test some hypothesis.

The first part is 100% correct.
But after we release the Beta, in case we launch a Security Token Offering, the people that would like to participate in this offering will also have to pass a KYC, because these tokens are securities and we have to be compliant with securities laws from EU. Basically, we are not allowed to give shares of our company without knowing who owns them.

I understand your concern and I would think the same way if I were you. Trust takes time and takes tangible results. However, we are not going to start any STO (security token offering) Before we put the beta version into the hands of the beta subscribers. At that point will not be a question of the license because you'll have a functional IBAN in your Morfin App. (which we cannot issue without a license). For not we don't expect any other commitment from the community except for supporting our BETA program, which is the validation from the community that efforts to release the BETA are not useless.

Yes we do plan to add tokens, I explained in this thread the way we are going to proceed. Basically, we will use two main criteria: compliance and community votes.

We are going to add the tokens which will pass our compliance rules.
You can propose us projects to audit.
For prioritizing the order of audit and listing of the tokens on the platform we are going to weight in the community feedback and votes.

Hello,
The referral we use on this site is not actually assigned to a person, it is just for us to have an additional trace where the subscriptions are coming from. We do have google analytics as well but if we have two posts on bitcointalk we want to see which thread let to which subscription.
And for convenience, we can trace this directly from the app without using analytics for that.
I hope it answers your questions

Sorry for the delay.
Our company registration number is on the website, the company is valid and can be found on the luxembourg register of commerce.
We have the contractual structure like Bitwala has with Solaris Bank. We cannot disclose more details at this time because of contractual restrictions.
A company cannot issue an European IBAN and current accounts without having a license and whithout passing an audit to be register at the autorities as an agent. (all agents are registered with the authorities like for instance FCA - UK, Bafin in DE, or CSFF in LU)
About the whitepaper we will issue a paper which will respect the structure of a prospectus which is used in securities. Such a paper will be issued before any STO will take palce.
A prospectus is a type of documentation that is required by securities regulation. In some cases (exceptions) where the risk is low the prospectus does not have to be registered with the authorities but is part of best practice to publish one to inform the potential investors about the project, the company and the risks.

tell me more please

you are right we will change that to something more explicit. What we want to say, that if you have your bank and your exchange in one place, you don't have to move funds from one to the other, saving time and money.

We do already have. We work under an EMI agent license.

Hello, I am one of the 3 co-founders of morfin.io. I would gladly reply to any questions about the project and about banking with blockchain, compliance, STOs in general or about Luxembourg the home country of Morfin.io.