How Your Money Is Protected
Clear answers for the most common question we hear: where your money sits, who holds it, and what happens if Nostro ever stops operating.
Segregated Funds
Customer balances are held in segregated custodial accounts at Citibank, separate from Nostro's own operating money.
FDIC Coverage
Funds are held through a Citibank structure with FDIC insurance, subject to applicable coverage limits and program eligibility.
Operational Independence
Your money is not part of Nostro's day-to-day operating capital and does not disappear if the company changes course.
How the fund flow works
You receive a payment
A client sends money into your Nostro account or payment flow.
Funds are held separately
Customer funds move into a segregated custodial account at Citibank.
Nostro cannot use them operationally
Those balances are kept separate from payroll, vendors, and business expenses.
You can access your balance
Withdrawals and transfers follow the normal customer process inside the product.
What if Nostro ceases operations?
This is the core anxiety we want to answer directly. If Nostro stops operating, customer funds are not supposed to become Nostro's own money. They sit in a segregated Citibank account, separate from the company's operating funds, and remain protected by the banking structure and applicable law.
In practical terms, that means your balance is designed to be protected independently of Nostro's day-to-day business status. Customers would be notified of the process for accessing or receiving their funds according to the underlying program and legal requirements.
Short answer
Nostro's operating status should not determine whether your money remains protected.
English
Your funds are held in segregated accounts at Citibank. That means they are not commingled with Nostro's operating cash and are not used to pay the company's expenses.
The structure is designed so your balance remains protected even if Nostro's business changes, slows down, or stops entirely.
FDIC insurance applies through the bank structure, subject to the usual coverage limits and eligibility rules.
Need a deeper explanation?
If you want a public view of what we are building next, see the roadmap. If you need help with your account, reach support.
FAQs
What happens to my money if Nostro stops operating?+
Customer balances are held in segregated custodial accounts at Citibank and are not mixed with Nostro's operating funds. If Nostro ceases operations, those balances remain protected by the bank structure and applicable law, and customers would be guided through the process to access or receive their funds.
Are customer funds used to pay Nostro's expenses?+
No. Customer money is held separately from Nostro's own operating capital so it is not available for payroll, vendors, or general business expenses.
Is the money FDIC insured?+
Yes, funds are held through a Citibank structure with FDIC insurance, subject to applicable coverage limits and program eligibility.