In the United States, money transfer services in connection with Kivu are provided through Kivu Money Services LLC, a Florida limited liability company registered as a Money Services Business with the U.S. Department of the Treasury's Financial Crimes Enforcement Network (MSB Registration Number 31000336545886). Kivu Money Services LLC is a financial technology company, not a bank. Payment collection, foreign exchange, and settlement are performed with licensed and regulated financial partners, including Stripe (payment processing) and Currencycloud, a Visa solution (foreign exchange and cross-border settlement), and customer funds in transit are held with regulated financial institutions. Registration as a Money Services Business does not constitute an endorsement or approval by FinCEN or any government agency.
In Rwanda, disbursement is performed through commercial banks and licensed mobile money operators regulated by the BNR. Kivu is preparing for public launch; the availability of services may vary by location and is subject to applicable licensing and regulatory requirements in each jurisdiction.