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No. Liminal is a financial technology platform that provides access to savings, payments, investing, and more through a single app. It does not hold a banking licence.

No. Liminal is a technology services company that connects users to trusted, licensed crypto providers and exchanges through a familiar interface. It does not issue tokens or provide crypto services directly.

Each user holds a self-custodial Safe smart wallet, with keys managed through Privy. Funds are stored in USDC, a fully backed stablecoin pegged to the US dollar and issued by Circle. Balances are never pooled or re-lent, and cannot be moved without the user's explicit consent.

Liminal provides transfers, savings, and spending without the restrictions of traditional banking. Users earn 5-10% interest instead of the typical 1–4%. Transfers settle instantly. Fractional stock investing, AI-powered insights via Nim, and access to DeFi are all built in.

No. FSCS protection applies only to banks and building societies. Liminal takes a different approach: each user holds their own self-custodial Safe smart wallet, with keys managed through Privy. Users have direct custody of their funds rather than relying on a deposit guarantee scheme.

USDC is issued by Circle, a regulated financial institution. Each token is pegged 1:1 to the US dollar and fully backed by cash and short-term US government bonds held in reserve. Circle publishes independent monthly attestation reports to verify this backing.

Liminal operates as a technology platform and does not require direct regulation. All regulated financial activities — including payments, custody, and exchange — are handled by licensed partners. This architecture ensures user funds remain within established regulatory frameworks at all times.

Funds remain safe and accessible. Wallets are self-custodial — only the user holds the keys. Even if Liminal ceases operations, users retain full, independent access to their funds.

No. Liminal functions as a standard financial app. Blockchain technology operates entirely behind the scenes. There is no requirement to buy, sell, or understand crypto to use any feature.

Liminal uses simple, transparent pricing. All fees and subscription costs are published in the app. Rates are comparable to Wise and Revolut, which rank among the lowest in the industry.

Yes. Balances earn interest automatically through regulated partner services. Rates typically range from 5-10% APY depending on the savings product selected and are variable based on market conditions.

Liminal provides a wallet that supports saving, sending, receiving, and investing. Users link an existing bank account to deposit and withdraw funds. The day-to-day experience is comparable to a current account, with high-yield savings and stock investing built on top.

Wise focuses primarily on currency exchange. Revolut offers breadth but at the cost of complexity. Monzo is limited to everyday UK banking. Liminal delivers high-yield savings, instant global transfers, fractional US stock investing, AI-powered financial insights, and crypto payments in one place — without the feature bloat.

Funds remain secure regardless of device loss. Account recovery is handled through Privy, which provides identity verification and multiple backup recovery methods to restore wallet access.

Liminal is available globally. Users can deposit from any linked bank account, send money to other users worldwide, and access all features from any location.

Account creation takes under 3 minutes. Sign up with an email address and verify via a one-time passcode. Full feature access requires completing a standard online identity verification.

Nim is Liminal's personal AI financial agent. It analyses spending, provides personalised insights, and executes actions through natural language conversation — with full context of the user's activity within the app.

Yes. Liminal supports fractional share investing in US-listed stocks with live market data, limit orders, and portfolio tracking — all within the same app used for savings and transfers.

Liminal supports USD, EUR, GBP, BRL, MXN, and COP. Additional currencies are on the roadmap.

Liminal Pay enables direct payments to merchants and websites from the user's wallet using stablecoin rails. Transactions settle instantly with global reach.