Compliance, Regulation & Legal Disclosure

Institutional Transparency and Planned Statutory Safeguarding Framework.

Corporate information of UAB The Demokra 1, fund safeguarding model pursuant to PSD2 and applicable regulations upon licensing, with architecture designed taking into account DORA and GDPR digital operational resilience requirements.

Planned Segregation
Fund Safeguarding
PSD2 / EMD2 Model
€ 350,000.00
Share Capital
Fully subscribed
EMI Process
Lietuvos bankas
Application in preparation
DORA & GDPR
Cyber-Resilience
EEA Data Sovereignty

Legal Rigor & Protection Mechanisms

A structure designed to guarantee security, functional separation, and total peace of mind for anyone choosing Demokra.

Regulatory Status

Legal Framework & EMI Application

UAB The Demokra 1 is preparing an EMI licence application with the Bank of Lithuania.

  • No provision of regulated public services or fund collection prior to formal licensing
  • Strict exclusion of lending, speculative investments, or fractional reserve banking
  • Future operational passporting across all European Economic Area (EEA) member states
  • Headquarters registered in Vilnius in full accordance with Lithuanian and EU corporate law
Asset Protection

Planned Client Fund Segregation

Under the European Electronic Money Directive (EMD2) and Payment Services Directive (PSD2), all customer funds will be segregated and protected in dedicated safeguarding accounts.

  • Under the planned operating model that would apply upon obtaining an EMI licence, client funds would be segregated and held in dedicated accounts at authorized credit institutions in the EEA.
  • Total legal separation between client funds and Demokra corporate working capital
  • Client funds cannot be loaned out, pledged, or seized by creditors of Demokra
  • Under the statutory safeguarding framework that would apply upon licensing, client funds would be insulated from corporate insolvency claims. Demokra currently holds no customer funds.
Risk Management

Three Lines of Defense Governance

Demokra implements an internal control framework patterned after highest European institutional standards, ensuring compliance, operational integrity, and oversight independence.

  • 1st Line (Operations): Internal transaction controls, real-time KYC, and anti-money laundering screening
  • 2nd Line (Compliance & Risk): Independent oversight functions monitoring AML/CFT and regulatory risk
  • 3rd Line (Internal Audit): Periodic independent audits of management decisioning and internal controls
  • External audits commissioned to international audit firms for security and penetration validation
Security & Data

DORA, GDPR & European Standards Alignment

Our technology architecture is designed taking into account the digital operational resilience requirements of the DORA Regulation, data sovereignty, and transparency.

  • DORA Requirements (EU Reg. 2022/2554): Design focused on business continuity, third-party ICT risk management, and operational resilience testing
  • GDPR (EU Reg. 2016/679): AES-256 encryption at rest, TLS 1.3 in transit, and strictly EEA-hosted data
  • AI Act Compliance: Financial visibility algorithms operate purely as non-discretionary information aids
  • Zero resale or monetization of user personal and transactional data to third parties or brokers
Official Registry

Official Corporate Registry & Legal Disclosure

Registered Entity in Lithuania (EU)
Company NameUAB The Demokra 1
Legal FormUždaroji akcinė bendrovė (UAB - LLC)
Company Code (Kodas)308111774
Share Capital€ 350,000.00
Official Registered OfficeLvivo g. 21-101, LT-09309 Vilnius, Lithuania
Intellectual Property & CodebaseExclusively owned by UAB The Demokra 1
Target Supervisory AuthorityBank of Lithuania (Planned upon application and licensing)

UAB The Demokra 1 is a private limited liability company registered in Lithuania (registration code 308111774, registered office: Lvivo g. 21-101, LT-09309 Vilnius). The company is preparing an EMI licence application with the Bank of Lithuania. The company is not licensed, authorised or supervised by any financial authority, provides no financial or payment services, holds no customer funds, and issues no accounts, IBANs, cards or electronic money. The content of this website is for informational purposes only and does not constitute an offer, invitation or solicitation of financial services or deposits.

Frequently Asked Questions on Legal Status & Security

Clear and transparent answers regarding our regulatory status and protection standards.

Building the future with radical transparency.

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