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Balance in Cryptocurrency
Bit2Me secures customer digital currency through a combination of secure, online servers and offline ("cold") storage. Bit2Me maintains 98% or more of customer digital currency in cold storage, with the remainder in secure online servers as necessary to serve the liquidity needs of our customers.
Bit2Me will maintain in the future a commercial criminal insurance in an aggregate amount that is greater than the value of digital currency we maintain in online storage. Our insurance policy will be made available through a combination of third-party insurance underwriters and Bit2Me, who is a co-insurer under the policy.
The policy will cover against the theft of digital currency resulting from a breach or security hack, employee theft, or fraudulent transfer.
Our policy does not cover any losses resulting from unauthorized access to your personal Bit2Me account(s). It is your responsibility to use a strong password and maintain control of all login credentials you use to access Bit2Me. Digital currency is not legal tender and is not backed by the government. Digital currency, such as Bitcoin, Litecoin, and Ethereum, is not subject to Deposit Warranty Fund or Securities Investor Protection Corporation protections.
Cash Balance
The money in your Bit2Me account is deposited in a special account owned by PECUNIA CARDS EDE, S.L., opened in a credit institution, and is subject to the legal framework established in Royal Decree-Law 19/2018, of 23 November (and other implementing and/or complementary regulations), to which the protection measures detailed in article 21.1 a) of the aforementioned regulation apply. PECUNIA CARDS EDE, S.L. is an Electronic Money Institution supervised by the Bank of Spain. Therefore, it meets all the quality requirements demanded by Spanish and European regulations to ensure the safety of your money.
Your money does not move. Unlike banks, we do not loan or invest your money. Therefore, whatever happens, what you enter in Bit2Me will be 100% available when you want to withdraw it.
Cash balances, such Euros, customers store with Bit2Me are held as a balance in your Bit2Me account (s).
Customers funds are held as cash in dedicated custodial accounts. All custodial pooled amounts are held separate from Bit2Me funds, and Bit2Me will neither use these funds for its operating expenses or any other corporate purposes.
Customer funds are held as cash, they are maintained in pooled custodial accounts at one or more banks insured by the FDIC. Our custodial accounts have been established in a manner to make available pass-through FDIC insurance up to the per-depositor coverage limit then in place (currently €250,000 per individual). FDIC pass-through insurance protects funds held on behalf of a Bit2Me customer against the risk of loss should any FDIC-insured bank(s) where we maintain custodial accounts fail. FDIC insurance coverage is contingent upon Bit2Me maintaining accurate records and on determinations of the FDIC as receiver at the time of a receivership of a bank holding a custodial account.
2FA Extra security layer
All Bit2Me clients have second authentication factor (2FA) protection at their disposal. With the implementation of this protection, the client will be able to prevent unauthorized access to his user account in the event that his access password to his Bit2Me account is obtained by third parties.
La gestión del 2FA debe ser a través del dispositivo que le permita tener una mayor seguridad.
Authorized Connections
Bit2Me makes available to each client the complete list of all the connections made to their user account in Bit2Me that have been made in the last month.
Sessions store the browser, operating system, IP and global geolocation of the session.
Bit2Me detects new connection devices, requesting express authorization from the client through an email that you will receive in your email.
Communications encryption
All the communications established between the client and Bit2Me are always established through point-to-point encryption (SSL) cryptographic protocols.
Sensitive data
All sensitive data is encrypted with cryptography, in order to securely keep any type of stored sensitive data.
Real-time alerts
We send you instant notices (via email or other means) every time an account is accessed or withdrawn. In this way, you will be able to detect possible misuses of your account and temporarily block it to avoid future problems.
In each notice, we will inform you of the most relevant details based on the type of action, aiming to help you improve detection.
Payment with cards
The storage of the card numbers will be managed by PayNoPain Solutions, SL, with CIF B12871216, in accordance with the conditions contracted between the User and Bit2Me, the numbers being stored safely by PayNoPain Solutions, SL, through their certification Compliance with Payment Card Industry Security Standards (PCI DSS - Payment Card Industry Data Security Standard).
Bit2Me never stores your complete card details, making it impossible for any Bit2Me employee to know the card number.
Furthermore, to prevent anyone who gains access to your Bit2Me user account from making purchases with your card, Bit2Me always processes charges through a 3D Secure SMS verification system that will prevent any unauthorized transactions.
All your transactions are processed and protected by Mastercard, Maestro, or Visa.
Monitoring of the connections
We are using machine learning algorithms that analyse account holders' behaviour to detect suspicious transactions. If any are detected, we will freeze your account to protect your money.
Bit2Me uses specialized software for real-time monitoring of all connections made to its infrastructure.
We establish control policies that protect against denial of service attacks (DDOS).
Although we support the use of networks like TOR and similar ones, as they protect the personal privacy of the client, which is very positive, these connections have been blocked due to the numerous attempted attacks by networks of this kind.
Always at your service
Bit2Me is proud to have one of the best customer support services. You will always find us available to help you in the way that best suits you: phone, chat, video call, tutorials, or email.
