__What is the Euro account?__

A Euro account allows you to hold Euro via the Quickbit app. It is powered by our payment service partner Intergiro Intl AB (publ) where we can ensure your money is kept safely and securely. When opening a Euro account you also become a customer of Intergiro Intl AB (publ).

Once you have Euro account, you can exchange Euro between cryptos, make and receive payments, and reviewing historic transactions.

__What is intergiro?__

Intergiro, a Swedish electronic money institute regulated in Sweden by Finansinspektionen (The Swedish Financial Supervisory Authority) under the Swedish Electronic Money Act (2011:755), Licence Reference: 48003, for the issuing of electronic money and provision of payment services under the Swedish Payment Service Act (2010:751). 

__Is my money safe with Intergiro?__

Intergiro is regulated as an EMI (Electronic Money Institution) in Sweden, part of the EU. That means that all customers' funds are safeguarded and Intergiro are subject to strict rules to protect your funds.

[Read more about Intergiro security](https://intergiro.com/security)


About Euro account

Currently, the app is only available to legal residents of Sweden and Norway. We will, however, launch in other countries continuously.


In which countries is the Quickbit App available?

##### Requirements for opening a Quickbit Account:

-You need to be a private individual
-18+ years 
-Living within the European Economic Area.
- The account has to be in your own name. You cannot create an account on behalf of someone else.

##### Payment services

If you want to use the payment services, you also need to apply for an QB Payment service account and be onboarded by Intergiro Intl AB (publ) as a custome

###### To use your Quickbit Account you must:

- Add an email address and verify it
- Add a phone number and verify it
- Add an address
- Verify your identity

What do I need to create and use an account?

'Intent of Use' is a term that simply outlines what your intention with using the Quickbit app is. There are four purposes to select from:

- __Save and hold crypto:__ 
Choose this option if your main intention is to save and hold crypto.

- __Trade and invest:__ 
Choose this option if your main intention is to buy and sell cryptocurrency as means of investment.

- __Make payments:__
Choose this option if your main intention is to make payments, online or in physical stores.

- __Send and receive crypto:__
Choose this option if your main intention is to send and receive crypto; to and from friends and family, domestically and internationally.

What is Intent of Use?

Quickbit is a financial service company, which means that we must adhere to a set of rules and regulations. With that set aside, we also take your security very seriously, which is why at some point we may need you to take a moment to verify your source of funds. Check below what documents you need to send in depending on your source of wealth (please make sure that your name, dates, and all document information are clearly visible):

-__Salary:__
If your funds come from your salary, you’ll need to send us copies of your payslips from the last 3 months or your latest tax statement.

-__Savings:__
In order to verify your savings, we need to know how you earned that money. Please upload a bank statement showing the current balance of your savings account.

-__Subsidy/Allowance:__
If you are getting funds from for example CSN, Försäkringskassan, or other institution we need you to send us copies of documents that states the income

-__Inheritance:__
If you have inherited wealth, please upload the grant of probate, the inheritance will, and a bank statement showing the received funds along with your current balance.

Please note that by accepting our Terms & Conditions you have agreed to supply all necessary information about your source of funds and any other activity regarding money movement on your account.

What is Source of Funds and why do I need to verify it?

We always support the latest update versions, please ensure your device has the latest update for maximum security and to recieve the best in-app experience.

Which devices are supported on your app? 

__PEP (Person in Politically Exposed Position)__

A PEP is a person in a politically vulnerable position who has or has had important public functions in a state or in an international organization. A PEP is considered to hold a position through his position and influence which poses a risk of being used for, among other things, bribery. A person is considered politically exposed for at least 18 months after having fulfilled his position or function.

__Who is a PEP?__

-The Head of State, Members of Parliament, the Prime Minister.

-Members of the board of political parties represented in the national Parliament or the EU Parliament.

-Judge in the Supreme Court and the Supreme Administrative Court.

-The Auditors-General or the National Banks Executive Board.

-Ambassadors, high officers (general, lieutenant general,

major general, admiral, vice admiral and rear admiral).

-CEO or board member in state-owned companies.

-People in management in an international organization

(board members, general secretary etc.).

__Relatives and Close Associates (or RCAs)__ are people with strong familial, social, or professional ties to individuals who are a PEP.  

__Who is an RCA?__

-Spouse, registered partner or cohabitant.

-Parents.

Children and their spouses, registered partners or cohabitants.

Siblings are not covered.

-A person who jointly with a PEP owns or otherwise has

controlling influence over a company.

-A person who otherwise has or has had a close relationship with

a PEP – it does not have to be a business relationship.

-A person who alone owns or exercises influence over a company

which has been formed for the benefit of a PEP.

Who is a PEP?

FaceID, TouchID, and Passcode are used to unlock your app and keep your data more secure.

Every time you open the Quickbit app, you need to unlock the app with your face, fingerprint or passcode. This way, your account is safe from anyone else trying to access it.

If your device supports FaceID or TouchID, you will be asked to activate it when you create your account. 
If your device does not support FaceID or TouchID, you will be asked to select a six digit passcode when you create your account.

Why do I need to setup FaceID, TouchID or Passcode?

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