Legal

Legal agreements and disclosures

The agreements and disclosures that govern your use of Echlon, including the terms of service, privacy policy, risk disclosure, prohibited activities and the card programme documents. Each is published as its own page so it can be linked, cited and reviewed directly.

Platform Agreements

The terms, privacy policy, disclosures, and risk and prohibited-activity notices that govern your Echlon account.

Card Policies

Cardholder terms, program agreements, and issuer disclosures for Echlon Cards.

Operating entity

Echlon is operated by Echlon Ltd. Regulated activities are performed by licensed partners rather than by Echlon itself; the terms of service describe that split in full.

Questions? [email protected]

Echlon is operated by Echlon Ltd.

Echlon is a financial technology company, not a bank. Banking services, including currency conversion and settlement, are provided by licensed partners. Echlon does not hold or custody user funds.

Yield figures (e.g. "up to 6.5% APY") are illustrative and not guaranteed. Actual rates may vary and are subject to change without notice. Past performance is not indicative of future results. Treasury products may involve technology risk, including smart contract risk. Only allocate funds you can afford to expose to these risks.

FX rates, transfer times, and fee estimates displayed on this site are representative and may vary by corridor, payment rail, and transaction size. Actual rates and settlement times are confirmed before each transaction. "Same day" settlement is available on select corridors and rails and is not guaranteed for all transfers.

Services may not be available in all jurisdictions. Account approval is subject to identity verification and compliance review. See our risk disclosure and terms of service for full details.