Why can the Quppy app be available when an IBAN, crypto-asset or card is not?

Article facts

What is the difference between the app and a service?

Quppy provides a connected technology layer. Within that interface, eligible users can access separate services.

Examples:

• Personal multicurrency IBAN;
• EUR or GBP payment operations;
• custodial crypto wallet;
• crypto exchange;
• AML risk-check service;
• Business payment account;
• future Quppy card.

A service can require a separate provider agreement and activation even when the app is already installed.

Why can the app be distributed more widely?

Software distribution can depend on app-store and technical rules. Regulated financial or crypto services depend on additional factors, including:

• provider legal coverage;
• licensing or registration;
• sanctions;
• verified residence;
• age and verification;
• customer type;
• product rollout;
• payment-rail access;
• asset and network support;
• issuer availability;
• risk acceptance.

These are not determined solely by whether the app can be downloaded.

Why can an IBAN be unavailable?

An IBAN or payment-account feature can be unavailable when:

• the provider does not onboard the country or customer type;
• required account details are not offered;
• the currency or payment direction is not enabled;
• identity or eligibility verification is incomplete;
• the service is paused;
• the user is not approved.

The current Personal model supports EUR and GBP functionality for eligible users, but exact account details and routes can vary. Incoming GBP transfers are not currently available.

Why can a crypto-asset be unavailable?

An asset can be absent because:

• the regional provider does not offer it;
• the country configuration excludes it;
• the blockchain network is not integrated;
• custody or liquidity is unavailable;
• a regulatory restriction applies;
• the service is paused;
• the asset is Coming soon.

Example: USDT is not available through Quppy to users in the EEA, while USDC on Ethereum is available where supported. SOL and Solana-network additions are Coming soon.

Why can a card be unavailable?

The Quppy Card is a separate future product. Card availability can depend on:

• issuer;
• card scheme;
• product type;
• country;
• customer eligibility;
• pricing and limits;
• operational launch.

An app menu, waitlist or marketing mention must not be interpreted as an active card application unless Quppy explicitly confirms launch for the user’s country.

Why can a feature disappear temporarily?

Possible reasons include:

• maintenance;
• provider incident;
• security issue;
• payment-rail outage;
• asset or network pause;
• regulatory update;
• customer review;
• expired verification;
• product migration.

A temporary pause should be labelled separately from permanent unavailability.

What should I do when a feature is missing?

1. Check the country availability page.
2. Confirm the current service status.
3. Check whether verification or activation is incomplete.
4. Update the app through the official store.
5. Review any maintenance or provider notice.
6. Do not use an old payment or crypto address without current confirmation.
7. Contact Support if the status and account do not match.

Do not change residence details or use a VPN to bypass eligibility.

Can Quppy enable a service manually?

Support can explain status and help resolve a technical or verification issue. It cannot override:

• law;
• sanctions;
• provider policy;
• country restriction;
• customer eligibility;
• missing provider coverage;
• a product that has not launched.

Where a service is unavailable, Quppy should state whether an alternative exists without promising future approval.

How should Coming soon features appear?

They should have:

• a visible COMING SOON label;
• no active transactional CTA;
• no Offer structured data;
• no implication that onboarding is open;
• no unsupported launch date;
• a link to availability updates where appropriate.

This protects users and prevents search engines or LLMs from reporting future products as live.