General Information

FrontierFi LLC, doing business as Frontr (“Frontr,” “we,” “us,” or “our”), is a U.S.-based financial technology company registered as a Money Services Business (MSB) with FinCEN and operating in compliance with applicable Wyoming and federal laws. Our services facilitate crypto-to-fiat, fiat-to-crypto, and cross-border B2B fiat payments.

Frontr does not hold customer funds. Our services are not insured by the Federal Deposit Insurance Corporation (FDIC), Securities Investor Protection Corporation (SIPC), or any similar protections.

Risks Related to Cryptocurrencies

  • Volatility: The value of digital assets can fluctuate significantly over short periods of time. Market conditions may lead to rapid increases or decreases in value.
  • Regulatory Changes: Laws and regulations governing digital assets continue to evolve. Future actions at the federal, state, or international level may impact their use, transfer, or value.
  • No Legal Tender Status: Cryptocurrencies are not legal tender, not backed by any government, and their value is determined solely by market demand.
  • Irreversibility: Once a cryptocurrency transaction is broadcast and confirmed on its blockchain, it cannot be reversed. Losses due to accidental, fraudulent, or unauthorized transactions may not be recoverable.
  • Cybersecurity Risks: Digital assets and blockchain networks may be subject to hacking, fraud, or technical failures.

Risks Related to Fiat Transfers & Cross-Border Payments

  • Delays & Fees: International payments may be subject to delays, correspondent banking fees, intermediary holds, or foreign exchange conversion costs.
  • Regulatory Screening: All payments are subject to sanctions, anti-money laundering (AML), and counter-terrorist financing (CTF) reviews. Transactions may be delayed or blocked if they raise compliance concerns.
  • Irreversibility: While certain fiat transactions (such as card payments) may allow for reversals or chargebacks, many wire or international payments cannot be reversed once processed.
  • Exchange Rate Fluctuations: Cross-border transactions involving currency conversion may result in rate differences between the initiation and settlement of the payment.

Business-Use Considerations

  • Operational Disruptions: Payment services may be impacted by network outages, service interruptions, or failures outside Frontr’s control, including those of banking and payment partners.
  • Third-Party Reliance: Because Frontr does not hold customer funds, settlement and timing depend on third-party institutions.
  • Fraud Risks: Businesses should implement appropriate internal controls and security measures to reduce the risk of fraud, phishing, or unauthorized transactions.

Important Notice

Using Frontr’s services involves risks related to cryptocurrency markets, cross-border payment systems, and evolving regulations. These risks may result in delays, additional costs, or in some cases the inability to complete a transaction. Businesses should evaluate these risks carefully and ensure they have the appropriate financial and operational capacity to use Frontr’s services.

For more information, please contact us at compliance@frontr.io.