Frequently Asked Questions

Confidiance is a private banking and treasury operations platform providing internal ledger accounts, secure transfers, and specialized credit facilities. We focus on providing institutional-grade security with personalized service.

Confidiance provides internal ledger and treasury operations services. We are not a licensed deposit-taking institution in most jurisdictions. Balances in your ledger account are not deposits protected by deposit insurance schemes. Please consult our Terms & Conditions for full details.

Our services are available to qualified individuals and entities who complete our verification process. Eligibility requirements include being at least 18 years of age, having the legal capacity to enter into contracts, and successfully completing our KYC (Know Your Customer) verification.

To open an account, click "Get Started" on our homepage and complete the registration form. You will need to provide identity verification documents as part of our KYC process. Once verified, your account will be activated within 1-3 business days.

We support multiple currencies including USD, EUR, GBP, and various others. Multi-currency accounts allow you to hold and transact in different currencies within a single account structure.

Internal transfers between Confidiance accounts are processed instantly. For external transfers, processing times vary depending on the destination and amount. All transfers require security verification and may be subject to approval for large amounts.

We implement bank-grade security including AES-256 encryption, multi-factor authentication, real-time fraud monitoring, and comprehensive audit trails. All sensitive data is encrypted at rest and in transit.

Two-factor authentication (2FA) adds an extra layer of security by requiring a second verification step in addition to your password. We recommend enabling 2FA for all accounts to protect against unauthorized access.

If you suspect unauthorized access to your account, immediately change your password and contact our support team. We can freeze your account while we investigate. Enable two-factor authentication to prevent future unauthorized access.

Gold custody services are provided through verified third-party vendors. Physical gold is stored in secure vaults and each item is assigned a unique certificate number. Valuations are updated regularly based on market prices.

Gold-backed credit allows you to access liquidity using your gold holdings as collateral. The maximum Loan-to-Value (LTV) ratio is 60%. This means you can borrow up to 60% of your gold's current valuation. Please review our risk disclosures before applying.

You can use supported cryptocurrencies as collateral to obtain a loan. LTV ratios range from 30-50% depending on the asset's volatility. Margin calls are triggered if LTV exceeds warning thresholds. Collateral is held by third-party custodians.

If your collateral value drops and LTV exceeds the warning threshold (typically 65%), you will receive a margin call notification. You must add collateral or repay part of the loan within 24 hours to avoid liquidation. At critical thresholds (80% LTV), automatic liquidation may occur.

You can reach our support team through our AI chat assistant available 24/7 on our website, by creating a support ticket, or by emailing support@confidiancebank.com. For urgent matters, you can request escalation to a human agent at any time.

Our AI support assistant is available 24/7. Human support agents are available during business hours (9 AM - 6 PM UTC, Monday-Friday). Emergency support for critical issues is available around the clock.