No. Neat is not a bank, but works with a licensed partner. We are partnered with ePaylinks, a licensed MasterCard®prepaid card issuer in Hong Kong as well as holder of a Stored Value Facility “SVF” license SVF0011 issued by the Hong Kong Monetary Authority (“HKMA”). In order to obtain the license, the HKMA sets strict guidelines to guarantee consumer protection and conducts regular checks to make sure all licensees continue to meet the requirements.