# Account creation & KYC

Ledgity.finance offers two ways to access the platform:

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#### **Account creation (KYC/KYB) for fiat rails**

To enable **fiat deposits/withdrawals (EUR/USD)** and benefit from banking rails, investors complete:

* Account information
* Identity verification (**KYC/KYB**)
* Proof of address
* Registration of a bank account (**IBAN**) for future fiat withdrawals

Account approval is completed in line with internal compliance requirements.

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#### **Wallet connection (no account creation)**

Investors can connect directly using a **non-custodial wallet** such as **Ledger, Rabby, MetaMask, or WalletConnect**.\
This wallet connection provides **immediate access to the savings products** (viewing products, subscribing, redeeming, swapping), without the need to create an account.

**Note:** Wallet connection gives instant access to the investment features, while KYC/KYB is required to use fiat on/off-ramp services and to withdraw stablecoin to an IBAN.

### **Regulatory Status**

Ledgity is **registered in France as a Digital Asset Service Provider (PSAN)** under the supervision of the **Autorité des Marchés Financiers (AMF)**.

This status ensures:

* KYC/KYB & AML enforcement
* Secure and segregated client accounts
* Compliant handling of digital asset operations

As the European **MiCA** regulation is rolled out, PSAN entities benefit from a **transitional operating regime**. Ledgity is currently working on the **full MiCA authorization**, expected in **2026 licensing window**.

> In short: **Compliant today under PSAN. Preparing for full MiCA authorization in 2026.**

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### **Who Onboards Through This Flow**

| Client Type                     | Use Case                                        |
| ------------------------------- | ----------------------------------------------- |
| Family Offices & Asset Managers | Regulated exposure to real-yield strategies     |
| Companies Post-Fundraise        | Capital preservation with operational liquidity |
| DAOs & Protocol Treasuries      | Runway extension & stable on-chain reporting    |
| Crypto Funds & Trading Firms    | Cash management between market cycles           |

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### **Contact Our Institutional Lead**

***JEAN-BAPTISTE SICARD***  

{% embed url="<https://www.linkedin.com/in/jean-baptiste-sicard-charles>" %}

email: <jb@ledgity.com>