Global availability statement
Effective date: 13 September 2026
Last updated: 9 October 2026
1 What availability means
Layer Flow Gateway, Inc. supplies non-custodial software to eligible individuals and businesses. Customers control their own wallets. LFG does not hold customer assets or have access to private keys that would allow it to control a customer's wallet or independently authorise a transaction. Our role and the wallet architecture are explained in our Regulatory Position Statement and Terms of Service.
When a customer uses an enabled MoonPay, Coinbase or Transak on-ramp, the purchase takes place directly between that customer and the applicable provider entity. The provider processes the purchase and delivers the purchased cryptoassets to the customer's designated wallet. LFG does not receive or hold the purchase funds, act as the buyer or seller, or execute or settle the conversion on the customer's behalf. LFG provides access to the provider's service through its software and remains responsible for its own onboarding, interface and applicable obligations.
LFG takes no transaction fee or commission on MoonPay, Coinbase or Transak on-ramp purchases. Provider and network charges may apply. LFG's business software subscription fees are separate. Any Owl/Harbor off-ramp referral commission is disclosed separately in our Terms and Integrated Service Providers statement.
Individuals must complete identity verification, and businesses must complete business verification, through Didit before LFG account activation. LFG applies account, country, customer-type and feature restrictions. The provider then applies its own verification, sanctions screening and product eligibility requirements, including KYC or KYB as applicable.
There are separate eligibility decisions: opening an LFG account, buying crypto through an on-ramp, using Owl/Harbor as an off-ramp sender, and requesting a payout to a destination. Passing one assessment does not establish eligibility for the others. Sanctions and other applicable legal restrictions override every entry in the availability schedule.
Personal accounts are free. Business accounts require the relevant subscription and an eligible funding method. Being a business does not automatically qualify a customer for a provider's business, professional or institutional services.
Cryptoassets are not government-issued money or local legal tender.
2 Account availability
LFG software accounts are available to Both personal and business customers in the following countries and territories, subject to verification and the conditions shown. Account availability does not mean every provider service is available. Provider services are listed separately in section 4.
Austria; Belgium; Bulgaria; Croatia; Cyprus; Czechia; Denmark; Estonia; Finland; France; Germany; Greece; Hungary; Ireland; Italy; Latvia; Lithuania; Luxembourg; Malta; Netherlands; Poland; Portugal; Romania; Slovakia; Slovenia; Spain; Sweden
Available
Both
USDC-only payments; USDT payments and swaps into USDT are disabled. Applicable local consumer and privacy requirements. Owl cannot onboard EU-citizen individual senders or EU-incorporated business senders. On-ramp coverage is separate.
Iceland; Liechtenstein; Norway
Available
Both
USDC-only payments; USDT payments and swaps into USDT are disabled. Applicable local requirements. Owl off-ramping is unavailable unless sender eligibility is specifically confirmed and is not inferred from SEPA coverage.
Switzerland
Available
Both
Provider, customer-type and funding eligibility remain separate.
Canada
Available
Both
User-controlled software flow; no LFG mandate to pay the customer’s third-party invoices. Provider eligibility remains separate.
Peru
Available
Both
The remote software offering described in the Terms; provider and customer-type eligibility remain separate.
Japan; Philippines; South Korea
Available
Both
Non-custodial software only. LFG does not possess private keys, sign or execute transactions, control assets, select swap routes or receive transaction-based compensation for direct wallet payments, on-ramp purchases or swaps. Provider and funding eligibility remain separate.
Argentina; Brazil; Chile; Colombia; Costa Rica; Mexico; Panama; Dominican Republic; El Salvador; Guatemala; Jamaica; Trinidad & Tobago; Anguilla; Barbados; Montserrat; Turks and Caicos Islands
Available
Both
Non-custodial software only. Cryptoassets are not local legal tender. LFG does not possess private keys, sign or execute transactions, control assets, select swap routes or receive transaction-based compensation for direct wallet payments, on-ramp purchases or swaps. Provider and funding eligibility remain separate.
United Kingdom
Available
Both
Non-custodial software only. UK-facing communications and onboarding must comply with applicable financial-promotion requirements. Provider, funding and on-ramp/off-ramp eligibility remain separate.
United States — all 50 states and Washington, DC
Available
Both
Non-custodial software only. LFG does not accept or transmit customer value, possess private keys, sign or execute transactions, control assets or receive transaction-based compensation for direct wallet payments, on-ramp purchases or swaps. State provider availability and other applicable state requirements remain separate. Delaware incorporation does not replace any registration, tax, privacy or other obligation arising from LFG's activities in a state.
Mauritius; Gibraltar; Guernsey; Bermuda; Cayman Islands; British Virgin Islands; Bahamas
Available
Both
Non-custodial software only. Provider, business-verification, subscription-funding and on-ramp/off-ramp availability remain separate and may limit particular features.
Andorra; Monaco; San Marino; Vatican City; Isle of Man; Jersey; Bahrain; Oman; Qatar; South Africa; Benin; Botswana; Burkina Faso; Cameroon; Cape Verde; Côte d’Ivoire; Ghana; Kenya; Madagascar; Malawi; Mozambique; Namibia; Senegal; Sierra Leone; Togo; Uganda; Zambia; Australia; Hong Kong; New Zealand; Singapore
Available
Both
Non-custodial software only. Cryptoassets are not local legal tender. Provider, verification, funding and on-ramp/off-ramp availability remain separate and may limit particular features.
LFG is a Delaware software company. Incorporation in Delaware does not replace local requirements. A local office or a change in the services offered may affect account availability.
3 Sanctions and excluded markets
3.1 Sanctions always override availability
LFG does not provide an account, feature or transaction where doing so would breach applicable sanctions or export-control law. This applies regardless of whether a country otherwise appears eligible. LFG will reject or restrict:
a person or entity designated on an applicable sanctions list;
an entity owned or controlled by a designated person where the applicable rules treat it as restricted;
blocked property, a prohibited wallet, or a transaction involving a prohibited person, sector, activity or territory; and
attempted circumvention, including use of another person, entity, wallet, location or account to evade a restriction.
As a Delaware company, LFG applies applicable United States sanctions, including the current OFAC sanctions programmes and lists. It also applies relevant United Kingdom, European Union and United Nations restrictions where they apply to LFG, the user, the service or an integrated provider. These sources change, so the current legal lists prevail over this summary.
3.2 Countries and territories excluded under LFG policy
LFG does not offer any account type to persons resident in, or businesses incorporated in or primarily operating from, the following countries and territories:
Belarus; Cuba; Iran; North Korea; Russia; Syria
Not available
Both
Entire LFG account service excluded because of LFG’s sanctions-exposure, provider and risk policy. This is a categorical LFG eligibility rule; it does not claim that every resident or company is individually designated under every sanctions regime.
Crimea and any non-government-controlled or occupied area of Ukraine covered by applicable sanctions, including relevant areas of Donetsk, Luhansk, Kherson and Zaporizhzhia
Not available
Both
Entire LFG account service excluded. The applicable legal description of a restricted territory prevails over informal geographic labels.
3.3 Other excluded markets
LFG also does not presently offer account services to persons resident in, or businesses incorporated in or primarily operating from, the following markets. Relevant restrictions also apply to use from a location where access is not permitted. This is an operational exclusion list; it does not assert that every excluded country criminalises private crypto possession or is subject to identical sanctions.
Tanzania
Not available
Both
Excluded from the present service. The Bank of Tanzania states that cryptocurrency trading and use are not authorised under its foreign-exchange framework.
Turkey
Not available
Both
Excluded from the whole service. The current product uses cryptoasset payments, which conflict with the identified Turkish payment restrictions. Removing swaps alone does not resolve that issue.
Ecuador
Not available
Both
Excluded from the present USDC payment launch.
Rwanda
Not available
Both
Excluded from the present direct USDC payment launch without the required specific authorisation.
United Arab Emirates
Not available
Both
No general mainland or free-zone launch under this Statement. A named financial-zone or other specific route must be separately established before it is offered. Free-zone incorporation or a counterparty on LFG’s global list is not sufficient by itself.
Saudi Arabia
Not available
Both
Excluded as LFG’s launch policy pending a verified route. This is not presented as a finding that all private wallet use is unlawful.
Afghanistan; Algeria; Bangladesh; Bolivia; mainland China; Egypt; India; Indonesia; Iraq; Libya; Malaysia; Morocco; Myanmar; Nepal; Nigeria; Pakistan; Sudan; Thailand; Venezuela; Vietnam; Yemen
Not available
Both
Existing LFG exclusions retained. Different legal, provider, sanctions-risk and operational reasons may apply.
Sanctions screening can restrict an otherwise listed market’s particular person, entity, beneficial owner, wallet or transaction. Conversely, citizenship is not automatically the general software exclusion test; any provider-specific citizenship restriction is identified separately, including Owl’s EU rule.
Countries not included in an eligible scope are not offered merely because they are absent from the excluded list. A new route requires an updated eligibility decision and implementation.
4 On-ramp and off-ramp coverage
4.1 Services and customer types
An on-ramp lets a customer buy USDC using money from a card or bank account. An off-ramp lets an eligible customer convert USDC and receive money in a bank account. Each purchase or conversion takes place directly with the provider.
We use three customer descriptions:
Personal: an individual using the service for themselves.
Business: a company or other business using the service through an authorised representative.
Both: personal and business customers.
Each service is available only in the countries and to the customers listed below. Owl/Harbor's separate limits are in section 4.5.
LFG account and wallet
Available
Both
Coinbase USDC purchases
Available
Personal
Transak USDC purchases
Available
Personal
MoonPay USDC purchases
Available
Personal
Business purchases through these three providers
Not available
Business
Owl/Harbor USDC conversion and bank payout
Available
Both
A service listed for Personal customers does not cover purchases made for a business or using business funds. Business customers can use only services listed for Business or Both.
A service being available in a country does not guarantee that every customer or payment will be accepted. The customer must pass the provider's checks, use an accepted payment method and request a USDC purchase or conversion that the provider offers through LFG.
These entries cover the services integrated into LFG. A provider's separate business platform or other product is not included simply because that provider offers it elsewhere. The relevant customer terms are available from Coinbase, Transak and MoonPay.
4.2 Availability by country and customer type
The table uses two availability labels:
Available: the service is offered to the customer type shown, subject to verification and the conditions in this statement.
Not available: the service is not offered through LFG, including where provider approval for that country and customer type has not been confirmed.
For personal customers, the country is where they live. For business customers, the provider must approve the business and its relevant countries. Personal availability does not establish business availability.
All countries below are eligible for LFG software accounts under section 2, for Both personal and business customers. The provider columns refer to buying USDC. State and province restrictions are explained in section 4.3.
Andorra
Not available
Not available
Available (Personal)
Anguilla
Not available
Not available
Available (Personal)
Argentina
Not available
Not available
Available (Personal)
Australia
Not available
Available (Personal)
Available (Personal)
Austria
Available (Personal)
Not available
Available (Personal)
Bahamas
Not available
Not available
Available (Personal)
Bahrain
Not available
Not available
Available (Personal)
Barbados
Not available
Not available
Not available
Belgium
Available (Personal)
Not available
Available (Personal)
Benin
Not available
Not available
Available (Personal)
Bermuda
Not available
Available (Personal)
Available (Personal)
Botswana
Not available
Not available
Available (Personal)
Brazil
Not available
Not available
Available (Personal)
British Virgin Islands
Not available
Not available
Available (Personal)
Bulgaria
Available (Personal)
Not available
Available (Personal)
Burkina Faso
Not available
Not available
Not available
Cameroon
Not available
Not available
Available (Personal)
Canada
Available (Personal)
Available (Personal)
Available (Personal)
Cape Verde
Not available
Not available
Available (Personal)
Cayman Islands
Not available
Not available
Available (Personal)
Chile
Not available
Not available
Available (Personal)
Colombia
Not available
Not available
Available (Personal)
Costa Rica
Not available
Not available
Available (Personal)
Croatia
Available (Personal)
Not available
Available (Personal)
Cyprus
Available (Personal)
Not available
Available (Personal)
Czechia
Available (Personal)
Not available
Available (Personal)
Côte d’Ivoire
Not available
Not available
Not available
Denmark
Available (Personal)
Not available
Available (Personal)
Dominican Republic
Not available
Not available
Available (Personal)
El Salvador
Not available
Not available
Available (Personal)
Estonia
Available (Personal)
Not available
Available (Personal)
Finland
Available (Personal)
Not available
Available (Personal)
France
Available (Personal)
Not available
Available (Personal)
Germany
Available (Personal)
Not available
Available (Personal)
Ghana
Not available
Not available
Available (Personal)
Gibraltar
Not available
Not available
Available (Personal)
Greece
Available (Personal)
Not available
Available (Personal)
Guatemala
Not available
Not available
Available (Personal)
Guernsey
Not available
Not available
Available (Personal)
Hong Kong
Not available
Available (Personal)
Available (Personal)
Hungary
Available (Personal)
Not available
Available (Personal)
Iceland
Available (Personal)
Not available
Available (Personal)
Ireland
Available (Personal)
Not available
Available (Personal)
Isle of Man
Not available
Not available
Available (Personal)
Italy
Available (Personal)
Not available
Available (Personal)
Jamaica
Not available
Not available
Not available
Japan
Not available
Not available
Not available
Jersey
Not available
Not available
Available (Personal)
Kenya
Not available
Not available
Available (Personal)
Latvia
Available (Personal)
Not available
Available (Personal)
Liechtenstein
Available (Personal)
Not available
Available (Personal)
Lithuania
Available (Personal)
Not available
Available (Personal)
Luxembourg
Available (Personal)
Not available
Available (Personal)
Madagascar
Not available
Not available
Not available
Malawi
Not available
Not available
Available (Personal)
Malta
Available (Personal)
Not available
Available (Personal)
Mauritius
Not available
Not available
Available (Personal)
Mexico
Not available
Available (Personal)
Available (Personal)
Monaco
Not available
Not available
Available (Personal)
Montserrat
Not available
Not available
Available (Personal)
Mozambique
Not available
Not available
Available (Personal)
Namibia
Not available
Not available
Available (Personal)
Netherlands
Available (Personal)
Not available
Available (Personal)
New Zealand
Not available
Available (Personal)
Available (Personal)
Norway
Available (Personal)
Not available
Available (Personal)
Oman
Not available
Not available
Available (Personal)
Panama
Not available
Not available
Available (Personal)
Peru
Not available
Not available
Available (Personal)
Philippines
Not available
Available (Personal)
Available (Personal)
Poland
Available (Personal)
Not available
Available (Personal)
Portugal
Available (Personal)
Not available
Available (Personal)
Qatar
Not available
Not available
Available (Personal)
Romania
Available (Personal)
Not available
Available (Personal)
San Marino
Not available
Not available
Available (Personal)
Senegal
Not available
Not available
Not available
Sierra Leone
Not available
Not available
Available (Personal)
Singapore
Not available
Not available
Available (Personal)
Slovakia
Available (Personal)
Not available
Available (Personal)
Slovenia
Available (Personal)
Not available
Available (Personal)
South Africa
Not available
Not available
Available (Personal)
South Korea
Not available
Not available
Available (Personal)
Spain
Available (Personal)
Not available
Available (Personal)
Sweden
Available (Personal)
Not available
Available (Personal)
Switzerland
Not available
Not available
Available (Personal)
Togo
Not available
Not available
Available (Personal)
Trinidad & Tobago
Not available
Not available
Available (Personal)
Turks and Caicos Islands
Not available
Not available
Available (Personal)
Uganda
Not available
Not available
Not available
United Kingdom
Available (Personal)
Available (Personal)
Available (Personal)
United States
Available (Personal)
Available (Personal)
Available (Personal)
Vatican City
Not available
Not available
Available (Personal)
Zambia
Not available
Not available
Available (Personal)
Country information comes from Coinbase's payment-method coverage and EEA country information, Transak's country coverage and country list, and MoonPay's country list. The provider's checks and LFG's restrictions still apply.
4.3 State and province restrictions
LFG software accounts are available in all 50 US states and Washington, DC. The providers have their own restrictions:
Coinbase
Available only in states where Coinbase offers the requested USDC purchase and payment method through LFG.
Transak
Available in 45 states and Washington, DC. Not available in Alaska, Louisiana, Minnesota, New York or North Dakota.
MoonPay
Available in all 50 states and Washington, DC, subject to customer checks and the requested USDC purchase.
In Canada, Transak is Available in 12 provinces and territories and Not available in Nunavut. MoonPay is Available in all 13 provinces and territories. Coinbase's country and local restrictions still apply.
A provider offering a service in a US territory does not automatically make that territory available for LFG accounts.
4.4 Provider entities and published regulatory information
The entity shown in the provider's customer agreement or purchase flow must supply the service. The information below identifies relevant published permissions. It does not claim that a home-country registration gives the provider, or LFG, universal permission to operate in every other market.
Coinbase
United States
Coinbase, Inc. Its Licences and Disclosures list state permissions, including New York virtual-currency and money-transmitter licences.
Coinbase
EEA
Coinbase Luxembourg S.A. is listed as a MiCA crypto-asset service provider, CSSF number N00000004. Coinbase Ireland Limited is separately listed as an electronic money institution, C188493. See European licences and the MiCA service migration.
Coinbase
United Kingdom
The European licences page identifies CB Payments, Ltd. as an electronic money institution and registered for specified cryptoasset activities, reference 900635. The actual customer agreement determines the entity and functions supplied.
Coinbase
Other eligible LFG markets
The relevant Coinbase entity and product permission must be established from the customer's provider agreement and the enabled route. The US or EEA licence pages are not presented as worldwide on-ramp permission.
Transak
United States
Transak USA LLC. Its Compliance page lists FinCEN registration and state money-transmitter permissions. The US Terms identify the contracting entity. FinCEN registration is distinct from state licensing.
Transak
Canada
Transak Canada Limited, listed on the Compliance page as a FINTRAC-registered MSB, C100000155.
Transak
Australia
Transak Australia Pty Limited, listed on the Compliance page as an AUSTRAC-registered digital currency exchange provider, 100865469.
Transak
UK and other countries under its Rest of World Terms
Transak Limited. Section 5.1 of the Rest of World Terms identifies the applicable non-US/Canada/Australia entity and FCA cryptoasset registration, FRN 928910. Eligibility outside the UK requires the actual supported route and applicable local basis.
MoonPay
United States
MoonPay USA LLC, with FinCEN registration and state licences published on its Licences page, including a New York virtual-currency licence.
MoonPay
EEA
MoonPay Europe B.V., identified as an AFM-authorised MiCA crypto-asset service provider in its European Terms. The Licences page lists AFM reference 41000002.
MoonPay
United Kingdom
MoonPay (UK) Limited, identified in its UK Terms and Licences page as FCA-registered. The current register should govern the registration details.
MoonPay
Canada
The Canadian Terms identify MoonPay Canada Inc. The permission relied on must match the entity actually supplying the enabled route.
MoonPay
Australia
MoonPay AUS Pty Ltd. The Licences page lists AUSTRAC digital currency exchange registration DCE100858195-001.
MoonPay
Other supported jurisdictions under its Rails terms
MoonPay Jersey Ltd. Its Jersey Terms identify JFSC registration; the Licences page lists SCH-14176. Product-specific terms govern where another MoonPay service uses a different entity.
Provider licences and registrations do not transfer to LFG. LFG remains responsible for duties applying to its own activities, onboarding, data use, interface and communications.
4.5 Owl and Harbor off-ramping
Owl/Harbor provides the USDC conversion and bank payout service under its own terms and verification process. It is separate from Coinbase, Transak and MoonPay purchases.
EU citizen, including an EU citizen living outside the EU
Personal
Not available
Business incorporated in the EU
Business
Not available
Other customer approved by Owl/Harbor for the requested country and service
Both
Available
Other customers must receive Owl/Harbor approval for their country, customer type and requested service. This statement does not list all non-EU countries as available for off-ramping.
An approved sender may be able to receive a payout to an EU bank account using SEPA or SEPA Instant. An EU bank being available for payouts does not make an EU citizen or EU-incorporated business eligible to send through Owl/Harbor. For EEA customers, the provider's nationality, residence and business-country restrictions must be checked separately.
The current off-ramp fee is 0.50% of the amount converted. LFG receives a referral commission from this fee, as disclosed in section 7 of our Terms. This commission does not increase the customer's 0.50% fee. Any extra network or bank charges are shown in the quote.
4.6 Restrictions and changes
A service is available only when the customer meets LFG's account rules, the provider's country and customer requirements, and applicable legal and sanctions requirements. If any requirement is not met, that service is not available. Completing LFG verification or choosing an approved bank destination does not override these restrictions.
Restrictions apply to the affected account and feature, including relevant app and API access. Customers must give accurate residence, company, representative and beneficial-owner information and report material changes. They must not use a VPN, proxy, another person's account or an incorrect customer classification to bypass restrictions.
Coverage may change. The provider's current terms and product checks apply at the time of a transaction, subject to applicable law and LFG's own obligations. A provider may decline a customer or purchase even where its country is listed. Where LFG withdraws existing access, the notice, cancellation and export provisions in the Terms continue to apply.
5 Assets, restrictions and changes
For customers in the European Union or European Economic Area, USDT payments and swaps into USDT are disabled, and payments are USDC-only. In every other eligible country, payments may use either USDC or USDT where the relevant asset and network are enabled in the app. Bridged USDbC payments remain disabled. Holding or swapping other displayed assets is a separate feature and may be restricted by country, customer type, network or provider. There is no assertion that privately holding USDT is prohibited.
Restrictions apply to the affected account and feature, including relevant app and API access. Do not conceal your location or customer type to evade them. Tell LFG about material eligibility changes. Where access is restricted, preserve independent wallet access and follow any available lawful export procedure; an LFG restriction does not itself move or confiscate assets.
This Statement records LFG’s current supported countries, customer types and feature conditions on its effective date and whenever it is updated. LFG intends it to accurately describe the scope then offered, but it is not a promise that a country, customer type, provider or feature will remain supported indefinitely. If we identify a material error, we will correct it promptly. The fact that a provider allows a transaction or that a feature is technically visible does not override a legal restriction.
Coverage can change because of law, sanctions, regulatory action, provider coverage, material security or financial-crime risk, or discontinuation of the relevant operation. Where an existing customer becomes unsupported, LFG will apply sections 12.8–12.11 of the Terms: give advance notice where lawful and practicable; cancel the affected subscription in LFG's billing system; disable its scheduled submissions and retries without requiring another wallet signature from the customer; address any unused prepaid period; and provide a reasonable opportunity to export records and wallet recovery material before planned loss of access. Stopping LFG's submission process does not itself revoke a signed EIP-3009 authorisation on-chain. Immediate restrictions may be required without advance notice, so users must keep their recovery phrase or appropriate private keys independently at all times. Those keys allow the user to control the wallet through compatible independent software and transact elsewhere where legally permitted; LFG cannot recover them after closure or deletion.
Questions: support@getlfg.app or legal@getlfg.app.
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