Quppy Wallet does not set up the obligatory minimum amount for incoming and outgoing transactions in EUR and GBP. All incoming and outgoing transactions in EUR and GBP are FREE.

If sending digital assets, the network fees the priority of your transaction in the queue of pending transactions. Miners will prioritize transactions that offer high fees. Choose high fees if you require fast confirmation or lower fees if you can wait a while to save on fees.

For your convenience, Quppy has defined three levels of fees:

• Priority: the transaction will roughly be included in the next block (about 10 min for Bitcoin)
• Standard: the transaction will roughly be included within 3 blocks (about 30 min for Bitcoin)
• Economical: the transaction will roughly be included within 6 blocks (about 60 min for Bitcoin)

EUR, GBP

Incoming transactions - FREE

Outgoing transactions - FREE

High risk transaction fee - 1.12%

Top up by card transaction fee – 0,6 EUR + 4%

The opening of a IBAN - FREE

Dormant account fee* - 100 EUR per month (30 calendar days)

*Can be applied starting after 183 calendar day of no transaction on an account

Those fees charged from the transactions are needed to support the networks that run the coin/token. This fee is charged to reward miners (thereby ensuring that the transaction is logged into the blockchain in a timely fashion) and to support the blockchain network itself.

Each coin is a subject to its own transaction fee that is paid to their networks.

Network fees may differ due to the current volatility of cryptocurrency markets.

The only fee paid by the client is the Blockchain network commission. Quppy Wallet charges no extra fees for transactions.

The Quppy Wallet app enables you to send debit transfers to any country within the SEPA zone. Those transfers can be done in either euro or British pounds.

To make a SEPA transfer please:

• Choose an IBAN account on the main screen
• Tap on the choses IBAN of yours
• Press the Send button
• Fill in all the recipient’s details including his/her IBAN number, SWIFT code, first and last names
• Fill in the transfer amount
• Press the send button

Once the transfer was sent, all of the transfer details including recipient’s data and the transfer amount cannot be changed. Please take into consideration that the SEPA transfer reception depends on the recipient’s bank and might take from 1 hour to 2 business days.

All the domestic and international incoming SEPA transfers are instant if they come from a bank that supports instant transfers and the sender selects this option. Banking regulation may delay the transfer in case it needs any additional monitoring.

In case the sender bank doesn’t supporft instant transfers, the transfer will be completed within one banking day.

However, due to the opening times of the participating banks, one banking day might result in two business days.

If the transfer is not instant, keep in mind that if a transfer has been made right before a weekend or bank holiday, the time frame will be extended. It’s open to process payments every working day from 07:00 to 18:00 CET. The system is closed on the following days:

1 January (New Year's Day), Good Friday, Easter Monday, 1 May (Labour Day), 25 December (Christmas Day), 26 December.

If your incoming transfer is outside of these estimated time frames, please contact the sender (bank) for further information. You can instantly see your SEPA transfer status in the Quppy Wallet app. To do so simply push on the IBAN on the main screen and you will see all of your inbound and outbound transactions right under the balance with their statuses to your right.

The Quppy Wallet application only supports transfers in EURO AND BRITISH POUNDS done via SEPA.

These are the common reasons for failed transfers:

• The recipient's name on the transfer order is different from the name on their account (must be their name as written on their ID with which the account was verified).
• The recipient's name is a company name instead of a personal/account name.
• The IBAN details are incorrect.
• The bank account (the bank itself) does not support SEPA transfers.
• Some fraudulent activity was detected, and a banking investigation is taking place. This means you might be asked to provide additional information including the source of transferred funds.

If you need to make a foreign currency transfer, please use TransferWise (through their app or directly from their website).

In case of a failed SEPA transfer, such a transfer is automatically returned to the sender account. This procedure might take up to 3 business days. This time fully depends of the sender bank.

The pending status remaining on the right of your transaction usually means that some of the information while sending the transfer was filled in incorrectly.

Among them:

• The recipient's name on the transfer order is different from the name on their account (must be their name as written on their ID with which the account was verified).
• The recipient's name is a company name instead of a personal/account name.
• The IBAN details are filled in incorrectly.

In such a situation, this transfer will be returned to the sender account. This procedure might take up to 3 business days. This time fully depends of the sender bank.

Operations with British pounds (GBP) might require your sort code.

To find it, open the Receive function on your Quppy IBAN. There you can see your 8 digit account number and 6 digit sort code contained within it.

For example, a standard Quppy IBAN looks like GB12CLJU98523412345678

• The first 8 digits are your BIC code: GB12CLJU
• The middle 6 digits are a branch sort code: 985234
• The last 8 digits are your account number: 12345678

You can download the Quppy Wallet application directly from the AppStore and Google Play.

The Quppy Wallet application is designed for any types of mobile device with IOs 11 or newer as far as for those with Android 19 and newer.

To verify your account in the Quppy app, you have to pass through the KYC verification procedure.

To do so:

• Fill in your personal data
• Choose a document (preferably your ID card or international passport) to prove your identity. Please note that this document must contain your name and surname written in Latin characters.
• Fill in the additional data!
• Make a selfie
• Make a selfie with the document
• Upload the photo your document frontside
• Upload the photo your document backside

When the information is complete, you will see your verification status on the same screen. To update it for the latest information, simply pull the screen down.

To open your Quppy IBAN account you should go through the verification procedure. After a successful verification you will immediately be able to create up to three euro IBANs in either "Verification" section or in "Wallet" one ("+" or "Create New Wallet").

Verification is a confirmation of your Personal Information and Residential Address. You need to verify your Quppy account if you want to use fiat currencies with your account or order a Quppy card.

Due to legal compliance checks, you might be obliged to re-verify your Quppy account occasionally.

All the information about your verification status is inside your Quppy Wallet application. Please go to Settings, find the Security tab and press Verification. When you are inside the Verification section, simply swipe down the screen and you will get all the latest information about your status.

When requesting for fiat operations, you need to pass our KYC verification procedure.

During this procedure you will be asked to submit one the following valid ID documents (passport, ID card, driving license):

• ID document with all your data written in latin letters;
• information about this document and your citizenship;
• photo of this document;
• selfie with this document.

The Quppy Compliance Team kindly asks our customers to submit all the required documents in high resolution with all the necessary data such as numbers and letters visible.

When passing the procedure of company KYC with Quppy.Business, you will be asked to show general corporate formation documents as far as all the information about company board members and directors.

We would like to draw your attention to the fact that in our service provision, we are guided by the risk assessment approach and we seek to properly implement the Know Your Customer principle in regard to the client. Thus, the Quppy Compliance Officers might as well ask you to provide additional documents and (or) written explanations other than those specified above.

Starting August, 12, 2021, Quppy supports new payment details and procedures. These new payment details are applicable to your Euro, British pounds and US dollars accounts.

Receiving funds on your Quppy IBAN:

SEPA:

IBAN: Your individual IBAN account with Quppy

Name (beneficiary): Quppy Europe OU

Bic code: CLJUGB21

Amount: transfer amount

Currency: EUR

FPS:

Bank code: CLJU

Sort code: 041307

UK account number: client's individual account number in Quppy - last 8 digits of IBAN or indicate the whole IBAN: client's individual IBAN account

Name (beneficiary): Quppy Europe OU

Amount: transfer amount

Currency: GBP

Sending funds from your Quppy IBAN:

SEPA:

IBAN: IBAN number of the beneficiary bank account (your account with the beneficiary bank)

Name (beneficiary): name of the account holder (your name)

Bic code: CLJUGB21

Amount: transfer amount

Currency: EUR

FPS:

Bank code: CLJU

Sort code: 041307

UK account number: customer's individual account number - last 8 digits of the IBAN or indicate the entire IBAN: customer's individual IBAN account with the beneficiary bank

Name (beneficiary): Quppy Europe OU

Amount: transfer amount

Currency: GBP

Here are some examples that might be useful:

To top up your individual IBAN account opened with Quppy from a 3rd party bank.

For EUR:

Sender details:

Your name: John Smith

Your bank name: KUTXABANK, S.A.

Your IBAN: ES3020950262709117544504

Your BIC code: BASKES2B

Amount: 100 Eur

Recipient details:

Your name: John Smith

Your IBAN: GB06CLJU04130880049355

You should input the following details using internet bank of KUTXABANK, S.A

IBAN: GB06CLJU04130880049355

Name: Quppy Europe OU

Bic code: CLJUGB21

Amount: 100

Currency: EUR

For GBP:

Sender details:

Your name: John Smith

Your bank name: HSBC UK BANK PLC

Your IBAN: GB04HBUK40475832367912

Your BIC code: HBUKGB4B

Amount: 110 GBP

Recipient details:

Your name: John Smith

Your IBAN: GB06CLJU04130880049355

You should input the following details using internet bank of HSBC UK BANK PLC

Bank code: CLJU

Sort code: 041307

UK account number: GB06CLJU04130880049355 – or 80049355

Name (beneficiary): Quppy Europe OU

Amount: 110

Currency: GBP

To send funds from your individual IBAN account opened with Quppy to a 3rd party bank.

For EUR:

Sender details:

Your name: John Smith

Your IBAN: GB06CLJU04130880049355

Recipient details:

Your name: John Smith

Your bank name: KUTXABANK, S.A.

Your IBAN: ES3020950262709117544504

Your BIC code: BASKES2B

Amount: 100 Eur

You should input the following details using Quppy mobile application:

IBAN: ES3020950262709117544504

Name: John

Surname: Smith

Bic code: BASKES2B

Amount: 100

Currency: EUR

For GBP:

Sender details:

Your name: John Smith

Your IBAN: GB06CLJU04130880049355

Recipient details:

Your name: John Smith

Your bank name: HSBC UK BANK PLC

Your IBAN: GB04HBUK40475832367912

Your sort code: 404758

Your account: 32367912

Your BIC code: HBUKGB4B

Amount: 110 GBP

You should input the following details using Quppy mobile application:

Account: 32367912

Bank code: HBUK

Sort code: 404758

Name: John

Surname: Smith

Amount: 110

Currency: GBP

To send and receive funds from Wise

The Wise account should be in your name.

In the process of adding a Quppy wallet to your Wise account, you should be specifying the following data in the "Full name of the account holder" field: "Quppy Europe OU"

There are four ways of making a transfer from your Quppy IBAN account:

• Via SEPA transfer using the Quppy mobile application. You can make a transfer between your IBAN accounts or to any 3rdparty (individuals / legal entities) IBAN account.
• Via non-SEPA transfer. Case 1. To do that you should know the correspondent IBAN account of your destination bank in any European bank. You should also enter the details of your destination bank account or card using «Purpose of payment» field in the Quppy Mobile application.
• Via non-SEPA transfer. Case 2. If your destination bank account is outside SEPA and/or in non-Euro currency you can may also use various 3rd party services such as Transferwise, Payoneer and many others. When registered, please select your source IBAN account and your bank destination account or card.
• Via cryptocurrency. You can also buy cryptocurrency using the «Exchange» button inside Quppy Mobile application and select one of your IBAN accounts as a source and one of your crypto wallets as a destination. You can also simply transfer cryptocurrency to any crypto wallet using this scheme.

The transaction speed is influenced by the type of the Blockchain network commission. When starting with Quppy Wallet, the Standard Blockchain network commission amount is set up in your wallet settings.

If you want to fasten your transactions, please go to "Settings" and tap the "Network fee" option. The Priority option enables your transactions to be finalized significantly faster in comparison with the Standard and the Economical ones.

Quppy Wallet allows to make any transactions in crypto currencies (ethereum, litecoin, bitcoin, bitcoin cash) and quickly exchange them. Quppy Blockchain Wallet also allows you to learn about bitcoin rate in real time. After passing the verification, you can do operations in EUR, GBP as an individual or a legal entity.

The exchange operation time fully depends on the network productivity and connection. It has nothing to do with the Quppy Wallet application itself.

There are three ways of toppin-up your Quppy IBAN account:

1. Via SEPA transfer. You can top up your IBAN account from any IBAN of the countries listed below:

   SEPA countries	IBAN beginning	Length	Notes
   Austria	AT	20
   Belgium	BE	16
   Bulgaria	BG	22
   Croatia	HR	21
   Cyprus	CY	28
   Czech Republic	CZ	24
   Denmark	DK	18
   Estonia	EE	20
   Finland	FI	18
   France	FR	27	Including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin (French part) and Saint Pierre and Miquelon, and Réunion Island. Does not include French Polynesia, New Caledonia, Wallis and Futuna and French Southern and Antarctic Lands
   Germany	DE	22
   Gibraltar	GI	23
   Greece	GR	27
   Hungary	HU	28
   Iceland	IS	26	-
   Ireland	IE	22	-
   Italy	IT	27	-
   Latvia	LV	21	-
   Liechtenstein	LI	21	-
   Lithuania	LT	20	-
   Luxembourg	LU	20	-
   Malta	MT	31	-
   Monaco	MC	27
   Netherlands	NL	18	Excluding the Caribbean Islands
   Norway	NO	15
   Poland	PL	28
   Portugal	PT	25	Including the Azores, Madeira
   Romania	RO	24
   San Marino	SM	27
   Slovakia	SK	24
   Slovenia	SI	19
   Spain	ES	24	Including the Canary Islands
   Sweden	SE	24
   Switzerland	CH	21
   UK	GB	22

2. Selling crypto inside Quppy Wallet: you can top-up your IBAN via Quppy mobile application. To do that please press the «Exchange» button and select one of your crypto wallets as a source and your IBAN account as a destination. The funds will automatically appear on your Quppy Wallet IBAN account.
3. Via non-SEPA transfer. If your source bank account is outside SEPA and/or in non-Euro currency, you can may use various 3rd party services such as Transferwise, Payoneer. and many others When registered, please enter the source bank account or card and your IBAN destination account.

The European IBAN provided by Quppy.Business solution can be used for all kinds of banking operations all around the world.

Step 1 : Subscription to Quppy.Business

Contract the Quppy Team via support@quppy.com or directly through www.quppy.support.com. An account manager will contact you to make an estimation of your payments volume and trade volume. Additional informations may be requested based on the type of your activity and legal entity. Afterwards you will receive a KYC form to fill in.

Step 2 : Verification by Quppy compliance team

After the KYC form is successfully filled in, your company is analyzed by Quppy compliance team. Complementary information may be asked during this process as well. This process normally takes no longer than 2 business days. Although, every case is unique and may require not only additional information reception but also additional time for company activity verification.

Step 3 : IBAN information reception

When your company data is approved by Quppy compliance team, you are sent all the IBAN information along with private access to your web interface.

Step 4 : Operational activity

After your first log-in, your European IBAN is activated. You can start performing all the necessary operations with it.

Quppy has designed its own API presenting customers and partners a revolutionary solution anyone can use to address the issue of crypto and fiat conversion as fast and as profitable as possible.

The new system developed and set up by Quppy serves to payment providers enabling them to use third party technologies and support payment acceptance for their merchant customers. The white label simplifies payment processing for customers.The Quppy new payment gateway offers tools to help fight fraud. The system protects genuine revenues while reducing the costs and administration associated with fraudulent activities. The system has been thoroughly tested, which means that the client gets a stable set of functions and features. The client’s application is constantly developing together with Quppy. New features appear during development stages. The errors are eliminated on the way.

The Quppy Partnership program was especially established for those companies integrating with the Quppy API. For those integrators, we provide an affiliate payout/commission program with a stable 0.25% revenue per month based on the total amount of volume in bitcoin your integration provides.

Please note that all potential affiliates must contact the Quppy Team and go through the approval procedure before being added to the Quppy Partner list.

A digital wallet also known as "e-Wallet" refers to an electronic device or online service that allows an individual to make electronic operations and store digital currencies.

An IBAN account an internationally agreed system of identifying bank accounts across national borders to facilitate thecommunication and processing of cross border transactions with a reduced risk of transcription errors. Such an account supports traditional currencies. The Quppy multicurrency IBANs currently support euro and British pounds.

The Quppy Team makes its best to provide a unique personal banking experience for each client. The Quppy Wallet application enables opening an unlimited number of digital wallets in different or similar digital currencies for any kinds of purposes. Thus, each customer can easily distinguish his/her finances and cashflows.

After sending a bitcoin payment from Quppy Wallet to an external bitcoin address, transfer details (such as amount of BTC sent, sending/receiving bitcoin address, the date of transfer) can be found on the Blockchain Network. This information is then publicly available and given its own transaction ID - or TXID.

At times, the recipient of your bitcoin transfer may request this transaction ID from you - typically to confirm you've sent the payment successfully. This transaction ID is safe to share: no personal information is sent from your Quppy Wallet account to the Blockchain Network.

How to find the transaction ID

• Visit blockchain.info or an alternative public blockchain explorer to view and search all previous bitcoin payments made on the blockchain.
• In the 'Search' area, you'll need to enter information that is specific to your bitcoin transaction. This is usually the bitcoin address you made the payment to.
• When you select 'search', all bitcoin transactions that involve that address will be displayed, newest to oldest.
• The easiest way to navigate to your particular transaction is to use your browser's 'Find' feature to search for the exact bitcoin amount you sent. This is usually under 'Edit > Find', or you can use the keyboard shortcut Command + F (macOS) or Control + F (Windows).
• Once you have located your transaction, the transaction ID is displayed as a long string of letters and numbers in the grey bar above the transaction amount
• To view the full details of the bitcoin payment, click the transaction ID link.

In case of any doubts or inconveniences related to your outgoing transaction please contact Quppy Support Team via support@quppy.com to have the matter resolved.

The Blockchain network on which Bitcoin operates sometimes becomes busy, resulting in transactions taking more time than usual to be confirmed and delivered.

Occasionally this can take up to 24-32 hours.

There is nothing Quppy can do to speed this process up as we do not control the blockchain's speed or capacity.

If your Quppy account shows that a transfer has been made, please be patient while the Blockchain completes the transfer.

Within the Quppy Wallet app, each customer can open an unlimited number of digital wallets for different purposes.

Those clients who have successfully verified their identity inside the Quppy app, can open several multicurrency IBANs in euro and British pounds.

A digital wallet backup protects your digital funds against computer or software failure. It may also help you retrieve your funds after your device was stolen or lost.

A backup is absolutely needed to be able to import your wallet in case anything happens to your device or application. It can be also used to recover your wallet after it was deleted.

As Quppy uses a decentralized Blockchain technology for maximum security of your funds and information, please accomplish the backup procedure as soon as possible.

The backup is now made inside Quppy app at the same time when you create the wallet. Simply copy the 12 words of the recovery phrase (without any spaces after the last word of the phrase) located right after the Wallet name field.

Please check that these words are copied correctly and that they are kept safe.

You can check all of your backups in the Backup section of the Quppy app Settings.

You have a list of Archived wallets in the Archive section of the Quppy app Settings. You can send any wallet of yours to the Archive in case you do not want to use it for a while.

To do that, simply swipe the chosen wallet to the left. It will be immediately archived.

To take the wallet out of your archive, please go to the Archive section of the Quppy app Settings, chose the wallet needed and swipe it to the left. It will be immediately unzipped.

After downloading the Quppy Wallet application from the digital store, read and accept the Terms of Use. You will automatically have LTC and BTC wallets that you can easily rename and start operations with them.

You can create as many wallets as you wish in same and/or different currencies.

If you want to import your wallet from another app to Quppy, please, record your mnemonic phrase in the previous app. Next, please bush the "+" creation wallet button in the Quppy Wallet app and chose the "Import My Wallet" option. You will need to write down your private key, chose currency and create the imported wallet name. After pushing the "Import" wallet button, your wallet from another app will appear in Quppy Wallet.

Bitcoin Cash is a cryptocurrency. In mid-2017, a group of developers wanting to increase Bitcoin's block size limit prepared a code change. The change, called a hard fork, took effect on 1 August 2017. As a result, the bitcoin ledger called the Blockchain and the cryptocurrency split in two. At the time of the fork anyone owning bitcoin was also in possession of the same number of Bitcoin Cash units. The technical difference between Bitcoin Cash and bitcoin is that Bitcoin Cash allows larger blocks in its blockchain than bitcoin, which in theory allows it to process more transactions per second.

Read more about Litecoin and its features on Wikipedia.

An unconfirmed transaction means that the transaction has not been included in a block and thus has not been completed. Most recipients require at least one confirmation to complete the transaction, including Quppy.

Common reasons for unconfirmed transactions are:

• You have just made the transfer. The Bitcoin network needs at least 10 minutes, on average, to include the transaction in a block;
• The blockchain fee is too low or absent. The lower the blockchain fee, the lower your transaction's priority in the Bitcoin network. Therefore, the longer the confirmation will take;
• The Bitcoin network is overloaded. Due to its limited capacity, the network simply cannot process transactions fast enough, especially during high transaction periods.

If your transaction is unconfirmed, usually you just need to wait. Most transactions get completed within a day or two (or more if the blockchain is overloaded).

In rare cases, transactions with a low or absent fee may get stuck in unconfirmed status for over a week. In such situations, we recommend the following options:

• You can accelerate your transaction. Search for a suitable solution online, or ask our support team for recommendations;
• You can wait. Your transaction will either be confirmed eventually or expire/get 'forgotten' and returned to the source wallet. This might take up to 14-21 days.

The options above only apply to transactions sent from Quppy wallets. If your transaction from an external financial service to the Quppy one has gotten stuck, please contact the service provider or find additional advice from this Bitcoin Magazine article.

The HD Wallet security requirements insist changing the wallet address automatically after every transaction occurred.

For any operations, you can use both the new address and the previous one.

To restore your wallet created via Quppy application or any other wallet service please press the button "+", then chose "import my wallet". After please select either "recovery phrase" or "private key option" and fill in the required fields. The wallet you wish to import will appear in the application.

The Quppy Wallet functionality is based on a decentralized storage. Following the classic security rules, Quppy Wallet supports the creation of pin code and private keys.

Having no access to Clients' information, the Quppy Team kindly asks its Users to constantly realize the backup of your wallet so you could restore all the information in case of the Quppy app reinstall or the malfunction of your device.

Quppy is a safe solution for customers:

• only secure connections for data exchange;
• private keys – stored only on the client’s device;
• 100% anonymity;
• security checks;

As you can see Quppy is on the edge of technology and safety standards. And we are working on it every day!

Our dev team uses a secure protocol, and we comply with the safety standards + we conduct periodic security audit of both the client application and the service itself.

Your cryptocurrency funds can get lost in only one case of entering a wrong address of the recipient.