Regulatory Disclosures

Nothing on this website, in any marketing material, or in any communication from PHINGO Network or First Fidelity USA, Inc. constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or investment product.

The FFUSA digital token is a utility token designed to facilitate settlement, liquidity, and fee payment within the PHINGO Network ecosystem. It has not been registered under the U.S. Securities Act of 1933, the U.S. Securities Exchange Act of 1934, or any equivalent securities law of any jurisdiction. PHINGO Network makes no representation that the FFUSA token is exempt from registration requirements in any jurisdiction.

Prospective participants should consult qualified legal and financial advisors before engaging with any digital asset, including FFUSA.

Digital tokens, including FFUSA, are subject to significant risks, including but not limited to: extreme price volatility, loss of principal, smart contract vulnerabilities, network congestion or outages on the Solana blockchain, regulatory changes that may restrict or prohibit use, and the potential for total loss of value.

The Solana blockchain is a third-party network operated independently of PHINGO Network and First Fidelity USA, Inc. PHINGO Network does not control, guarantee, or warrant the availability, security, or performance of the Solana network.

On-chain data, token metrics, and wallet balances displayed on this site are provided for informational purposes only and may be subject to delays, inaccuracies, or technical errors. They do not constitute financial advice.

Past performance of any digital asset is not indicative of future results. You should never invest more than you can afford to lose entirely.

PHINGO Network is a product of First Fidelity USA, Inc., a Colorado-based privately held financial consortium. First Fidelity USA, Inc. operates in partnership with First Fidelity Philippines, Inc. and in association with Visa.

First Fidelity Philippines, Inc. operates under applicable regulations of the Bangko Sentral ng Pilipinas (BSP). Regulatory status, license numbers, and compliance certifications are available upon request by qualified institutional partners.

PHINGO Network and its affiliated entities are not licensed as a money services business, money transmitter, bank, broker-dealer, investment adviser, or any other regulated financial institution in the United States unless explicitly stated. Services described on this website may not be available in all jurisdictions.

Entities seeking to engage PHINGO Network for Banking-as-a-Service (BaaS), virtual card issuance, or cross-border settlement services are responsible for ensuring that their own use of such services complies with all applicable laws and regulations in their respective jurisdictions.

The information and services described on this website are not directed at, and may not be used by, any person or entity in any jurisdiction where such use would be contrary to applicable law or regulation, or where PHINGO Network or its affiliates are not authorized to provide such services.

In particular, this website and the services described herein are not available to residents of jurisdictions that prohibit or restrict the use, trading, or holding of digital assets, including but not limited to jurisdictions subject to comprehensive U.S. sanctions programs administered by the Office of Foreign Assets Control (OFAC).

It is the sole responsibility of any prospective partner, user, or investor to determine whether their participation in PHINGO Network services is lawful in their jurisdiction.

This website may contain forward-looking statements, including statements regarding anticipated product features, network expansion, regulatory approvals, partnership agreements, and token utility. These statements are based on current expectations and assumptions and are subject to significant risks and uncertainties.

Actual results, developments, and outcomes may differ materially from those expressed or implied by any forward-looking statement. PHINGO Network undertakes no obligation to update or revise any forward-looking statement to reflect new information, future events, or changed circumstances.

Words such as "anticipate," "believe," "expect," "intend," "plan," "project," "will," "may," "should," and similar expressions are intended to identify forward-looking statements.

PHINGO Network and its affiliated entities maintain Anti-Money Laundering (AML) and Know Your Customer (KYC) programs consistent with applicable regulatory requirements in the Philippines and the United States. Institutional partners are required to maintain equivalent AML/KYC programs as a condition of network participation.

PHINGO Network reserves the right to refuse service, terminate partnerships, or report suspicious activity to relevant regulatory authorities in accordance with applicable law.

All institutional onboarding is subject to due diligence review. Acceptance into the PHINGO Network partner program does not constitute a guarantee of continued access to services.

Nothing on this website constitutes financial, investment, legal, tax, or accounting advice. All information is provided for general informational purposes only.

PHINGO Network strongly recommends that all prospective partners, investors, and users seek independent professional advice tailored to their specific circumstances before making any financial, legal, or business decisions in connection with PHINGO Network services or the FFUSA token.

For regulatory, compliance, or legal inquiries, please contact PHINGO Network at [email protected]. Institutional partners may also reach out through the partner inquiry form on the Contact page.