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Institutional-grade documentation — already in place

Arcadia maintains a comprehensive documentation framework covering governance, compliance, financial control, and operational execution.

This documentation is not indicative.
It reflects a system already designed to operate at the standards of a regulated financial institution.

Documents

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Arcadia’s documentation forms a core control layer, ensuring:

• separation of duties across all critical functions

• full traceability of decisions and operations

• regulatory alignment (AML, compliance, reporting)

• audit-ready processes across governance and finance

• scalability without operational drift

This structure enables the company to transition from infrastructure platform to regulated entity without redesign.

A structured control system

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Arcadia maintains structured documentation across five critical layers:

Documentation coverage

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Defines how the company is structured, supervised, and controlled.

Includes:

• Board and Committee Charters

• Internal Audit Framework

• Segregation of Duties

• Governance Guidelines

-> Ensures independence, accountability, and decision discipline

Governance & control

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Defines the regulatory and risk management framework.

Includes:

• Compliance Policy

• AML / KYC Protocols

• Sanctions Compliance

• Whistleblowing Framework

• Cybersecurity Policy

• GDPR and Data Protection

-> Designed to support EMI licensing and ongoing supervision

Compliance & risk

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The following documents define the compliance and control architecture supporting Arcadia’s operating model:

• AML / CFT Policy Framework

• Enterprise-Wide Risk Assessment (EWRA)

• Transaction Monitoring Framework

• Sanctions & Freezing Framework

• AML KPI Dashboard

• Corridor Risk Addendum (West Africa)

• Outsourcing AML Oversight Policy

• Inspection Simulation Pack

Compliance & Control Architecture

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Arcadia’s regulatory approach is aligned with existing regional and European frameworks.

Key regulatory references include:

• UEMOA Regulation n°06/2024/CM/UEMOA — External financial relations framework (December 20, 2024)

• BCEAO Instruction n°09/07/2025/RFE — Opening of CFA accounts for non-resident nationals

• European EMI regulatory framework — Licensing and operational compliance standards (Lithuania)

Regulatory Framework References

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• Corporate structure documentation (Arcadia Holding, OpCos, jurisdictions)

• Governance framework and delegation of authority

• Draft shareholder structure and governance alignment

• Key partnership and distribution agreements (redacted versions)

Legal & Structural Framework

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• Financial model and unit economics

• Pricing structure and revenue logic

• BaaS vs EMI transition model

• Capital strategy and funding scenarios

Financial & Operational Model

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Ensures financial discipline and reporting integrity.

Includes:

• Accounting Cycle

• Pricing Policy

• Payment Limits

• Forbearance Framework

-> Provides visibility and control over financial operations

Financial control

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Covers user-facing legal structures and product compliance.

Includes:

• Terms & Conditions (accounts, cards, wallets)

• Deposit Protection

• Direct Debit Scheme

• Privacy and Cookies

-> Aligns product execution with regulatory requirements

Product & legal framework

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Integrates environmental, social, and stakeholder considerations.

Includes:

• ESG Policy

• Stakeholder Governance

• Modern Slavery Policy

-> Reduces reputational and regulatory exposure

ESG & external governance

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Internal positioning document detailing:

• regulatory interpretation of UEMOA / BCEAO frameworks

• account eligibility structure (nationals abroad, residents, exclusions)

• compliance perimeter with banking partners

• operational constraints and regulatory boundaries
  

This document is available under controlled access.

Regulatory Positioning Note

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Arcadia operates a dual-layer documentation model:

• Public layer → core governance, compliance, and control documents

• Restricted layer → full operational, financial, and regulatory documentation (investor dataroom)

This structure ensures transparency without compromising sensitive information.

Access model

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Documents are structured by control layer — not by internal classification.

Certain regulatory reference documents are publicly available.

Core operational and compliance documentation is restricted to the investor dataroom.

Structured Document Access

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This documentation framework directly reduces key investment risks:

• financial risk → controlled through audit and reporting frameworks

• execution risk → reduced through structured operational protocols

• regulatory risk → addressed through embedded compliance systems

• organizational risk → mitigated via governance and control structures

• scaling risk → managed through documented and repeatable processes

Arcadia is not building its structure progressively.
It is operating with a documentation framework designed for institutional scale.

This documentation system is designed to scale with regulatory status — without structural redesign.

Why this matters for investors

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Request access to the round (Seed)

Arcadia provides qualified investors with access to:

• full governance and control documentation

• regulatory frameworks and official reference alignment

• detailed compliance and operational architecture

• financial models and capital structure

Select investors only · Subject to availability

Access granted after review · Dataroom access within 24–48h