How Credits Work

What Are Credits?

Credits are not legal tender, are not backed by any government, and are not redeemable for cash unless explicitly authorized and verified.

Credits represent a limited license to access services, content, and experiences within the Incognto platform. When you purchase credits, you are buying usage rights within our closed-loop system, not opening a custodial account or depositing funds.

Credits may only be used within the Incognto platform to:

• Tip and support creators
• Purchase access to premium content
• Send anonymous payments to other verified users
• Access platform features and services

Ownership and Control

You do not own any funds held as credits. Credits represent a limited license to access services on Incognto and may be revoked or adjusted per our terms of service.

Incognto is not a bank and does not provide custodial accounts. All prepaid amounts are held by the platform to fulfill its obligations within the system. We maintain control of the underlying funds while providing you with usage rights equivalent to your credit balance.

Credits cannot be transferred outside the Incognto platform, sold to third parties, or converted to other digital assets or cryptocurrencies.

Sending Credits to Other Users

Sending credits to another user is not a financial transaction. It represents a transfer of access rights within the closed-loop Incognto system.

When you send credits to creators or other users:

• You are transferring usage rights, not money
• The transaction occurs entirely within our platform
• No external financial networks are involved
• Recipients receive credits, not cash or legal tender

These internal transfers are accounting events within our system and do not constitute money transmission under applicable regulations.

Limits and Identity Verification

Standard Account Limits:

• Per top-up: $250 maximum
• Per transaction: $250 maximum
• Daily funding: $500 maximum
• Weekly funding: $1,000 maximum
• Monthly funding: $3,000 maximum
• Maximum account balance: $1,999
• Lifetime funding: $10,000 maximum

No user may ever hold more than $1,999 in credits at any time.

To convert credits to fiat currency (cash withdrawals), you must complete our identity verification process and comply with applicable regulations.

KYC (Know Your Customer) verification is triggered when:

• You attempt to withdraw credits as cash
• Your account balance would exceed $1,999
• Your cumulative funding exceeds $10,000
• You exceed daily, weekly, or monthly funding limits
• High-risk activity patterns are detected

Verified Account Benefits:

✅ Cash withdrawal capabilities (never above $1,999)
✅ Higher transaction limits
✅ Enhanced platform features
✅ Priority customer support
No user may ever hold more than $1,999 in credits at any time, even if verified.

Regulatory Compliance

Incognto operates as a closed-loop prepaid access system in compliance with FinCEN regulations and applicable state laws. Our credit system is designed to avoid money transmission licensing requirements while providing a secure platform for digital interactions. No user may ever hold more than $1,999 in credits at any time.

Key Compliance Features:

• Credits are platform-specific and non-transferable outside our system
• Appropriate limits for non-verified accounts
• Identity verification required for cash redemption
• Anti-money laundering (AML) monitoring and reporting
• Secure storage of funds and user data

This framework protects both users and the platform while enabling innovative digital payment experiences.

Important Disclaimers

Credits have no cash value outside the Incognto platform. They cannot be sold, transferred to external accounts, or redeemed for cash without completing identity verification.

Platform risk: Credits are subject to our terms of service and may be forfeited if accounts are terminated for violations. We recommend only funding amounts you are comfortable using within the platform.

Regulatory changes: Credit terms and limits may be adjusted to maintain compliance with evolving regulations. Users will be notified of material changes.

For questions about credits, limits, or verification, please contact our support team.