Security & Trust

Segregated Funds

Client pre-funded balances are held entirely with third-party licensed custodian institutions, fully segregated from our own funds, and used for nothing other than settling your card spend.

How Your Funds Are Held

Custody

Held by Licensed Custodians

100% of client pre-funded balances sit with third-party licensed custodian institutions — never in an operating account controlled by Cardfornia alone.

Segregation

Fully Segregated

Client money is held in dedicated segregated accounts, kept separate from Cardfornia’s own corporate funds and from other business lines at all times.

No Reuse

Never Repurposed

Balances are used for one purpose only: settling your card spend. They are not lent out, not used for working capital, and not applied to any other obligation.

No Investment

No Investment, No Advance

We do not invest client funds, do not seek yield on them, and do not advance funds against them. What you deposit stays available to you.

Reconciliation

Reconciled Daily

Custodian balances are reconciled against client ledger balances daily, so what is recorded in your account always matches what is actually held.

Transparency

Visible to You

Every top-up, authorisation, settlement and refund is recorded in your account in real time, giving your finance team a complete, auditable trail.

Questions about how funds are held? Our team is happy to walk through the details.