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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
This website is provided for informational purposes only and does not constitute an offer or solicitation to invest.
Access to the dataroom is subject to approval and may require execution of confidentiality agreements.
Arcadia Holding AG (Zurich) — to be incorporated upon closing
Bankeaz is a product layer developed by Arcadia and operates through regulated financial partners.
Bankeaz does not provide banking services in its own name. Financial services are provided by licensed and regulated partner institutions, in accordance with applicable laws and regulations.
Copyright © 2026 - Arcadia | Bankeaz - All rights reserved
Address
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Zurich - CH
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Full system. Full model. Full regulatory architecture.
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