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PCI Compliance Meaning

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security requirements established to ensure that all companies that process, store, or transmit credit card information maintain a secure environment. Established by major card brands like Visa, Mastercard, and American Express, PCI compliance is a mandatory legal and technical framework for any fintech company or crypto "on-ramp" that handles traditional plastic payments.Technically, PCI compliance is divided into four levels based on the annual volume of transactions a business processes.

The standard involves 12 core requirements, including the installation of firewalls, the encryption of cardholder data across public networks, and the implementation of strict access control measures. Companies must undergo regular audits and "Penetration Testing" to prove that their systems are resilient against data breaches and unauthorized access.In the context of the crypto-fintech bridge, PCI compliance is what allows services like Coinbase, MoonPay, or BitPay to safely accept debit and credit card purchases.

These companies must bridge the gap between the "unregulated" nature of the blockchain and the highly regulated "legacy" banking world. A failure to maintain PCI compliance can result in massive fines, increased transaction fees from banks, or a total ban from the card networks, which would effectively kill a company's fiat-to-crypto gateway.For consumers, PCI compliance provides a layer of trust.

When a user sees that a platform is PCI compliant, it signifies that their sensitive financial data (like the CVV code and card number) is handled using industry-standard security protocols. This often involves Tokenization, where the actual card data is replaced with a unique digital identifier, ensuring that even if the merchant's database is breached, the raw card information remains inaccessible to hackers.

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Important Disclaimer:

Finery Markets BVI Limited (“Finery Markets”) provides software, technology infrastructure, and related Information and Communication Technology (ICT) services on a Software-as-a-Service (“SaaS”) basis. Finery Markets acts solely as a software vendor and does not operate a trading platform, does not intermediate, match, execute, clear, or settle transactions, and does not engage in any activities that would require regulatory authorisation under applicable laws.

Finery Markets’ software is non-custodial and is provided exclusively to licensed institutional entities that act as independent operators of their own environments. All counterparties are solely responsible for establishing and maintaining their own bilateral trading and settlement relationships. Finery Markets is not a party to any such arrangements and assumes no responsibility for the conduct, verification, or compliance obligations of any users of the software.

Nothing on this website shall be construed as a financial promotion, investment advice, or an offer to engage in regulated activities. Access to and use of the software is strictly limited to clients who have entered into a software licensing agreement with Finery Markets. Persons located in jurisdictions where such access is restricted should not rely on this website or any of its contents.

Additional notice to UK visitors: This website and associated communications are not intended to constitute a financial promotion under The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended) and related guidance. Access to services provided by Finery Markets is limited to regulated entities, professional clients and eligible counterparties as set out by the Financial Conduct Authority. UK users are not permitted to use this website for the services of Finery Markets if they don't fall within these categories.