Préférences de cookies

This website is published by RAK LLC
107 E. Oak Street, Suite 1A
Bozeman, MT 59715-2994
United States

This website, the SATŌ application and its use are subject to the laws of the State of Montana, to United States federal law as well as to the European regulation on crypto-asset markets (MiCA).

SATŌ is a registered trademark of RAK LLC. RAK LLC is a limited liability company registered in the State of Montana, USA (Registration number C1612282). RAK LLC is registered as a Money Services Business with FinCEN (Registration number 31000324039983) and is subject to the Bank Secrecy Act governing anti-money laundering measures. RAK LLC is federally registered (NMLS #2831587) and authorized, in accordance with Montana law, to carry out international transfers in digital currency.

Banking services are provided to us by Thread Bank, Rogersville, TN, USA; Community Federal Savings Bank, New York, NY, USA; Visa Global Services Inc, New York, NY USA; Monavate Limited Duxford, Cambridge, England; Monavate UAB Vilnius, Lithuania; LHV Pank, Tallinn, Estonia. For compliance purposes with applicable local regulations, including VASP and MiCA, banking or monetary service partners may differ depending on the country of residence of the end user. As a SATŌ account holder, we invite you to consult the "regulatory chain applicable to your account", as described in your account agreement, available in your management interface.

The non-custodial hybrid wallets offered by SATŌ are designed to ensure the exclusive control of the user over their private keys, transaction signing and identifiers. RAK does not at any time access these keys, does not hold them and does not store them in clear form. When initiating a transaction, the private key is temporarily decrypted from a cryptographic half-key derived within a secure and encrypted enclave. This enclave is technically inaccessible to RAK, to SATŌ, as well as to their employees, programmers, service providers or regulated banking partners, regardless of their role or level of access within the system.

List of main banking or monetary partners (European and US) of RAK/SATŌ:
Thread Bank (routing number 064209588) and Community Federal Savings Bank (routing number 026073150) are banking institutions registered in the United States. Monavate is a limited liability company registered in England and Wales (Registration number 12472532). Monavate is authorized and regulated by the Financial Conduct Authority (Number 901097). Monavate UAB is a company incorporated in Lithuania (Registration number 305628001). Monavate UAB is authorized and regulated by the Bank of Lithuania (license code LB002139). Accounts and IBANs are provided by Monerium and LHV Pank. Monerium hf. is a company registered in Iceland (no. 550512-1060). Monerium hf. is authorized as an electronic money institution and virtual asset service provider by the Financial Supervisory Authority of the Central Bank of Iceland. LHV Pank is a bank established in Estonia, Tartu mnt 2, 10145 Tallinn, BIC/SWIFT: LHVBEE22, Bank code: 689. License 4.1-1/37 issued by the Republic of Estonia, 4.1-1/49 issued by the Republic of Lithuania, 4.1-1/45 issued by the Republic of Finland, 4.1-1/40 issued by the Kingdom of Belgium, 4.1-1/86 issued by the Federal Republic of Germany, 4.1-1/65 issued by the Kingdom of the Netherlands, 4.1-1/65 issued by the Kingdom of Spain, 4.1-1/17 issued by the Kingdom of Sweden. LHV is supervised by the Central Bank of Estonia and is registered under number 10539549.

We strictly prohibit the use of any account to conduct transactions (including, without limitation, receipt of funds through an electronic funds transfer, similar instrument, or the proceeds of any of the foregoing) that are related, directly or indirectly, to unlawful Internet gambling. The term “unlawful Internet gambling,” as used in this Notice, shall have its meaning set forth in 12 C.F.R. Section 233.2(bb).

You agree not to conduct any transactions through the account that directly or indirectly involve or are related to unlawful Internet gambling, including, without limitation, the acceptance or receipt of any funds or deposits in connection therewith. You also agree not to use your account for any other illegal activity. We may refuse any transaction, whether lawful or not. Transactions in your account are also subject to applicable clearinghouse and Federal Reserve rules and regulations.

You agree that you are responsible for your tax obligations in the country you live in or in every country where you need to pay tax, and that any funds in, or to be deposited in, your account are not proceeds from any criminal activity (including, but not limited to, tax crimes). Funds in, and any income derived from, your account will be disclosed to the relevant tax authorities, if required by law.

All information that has been provided is complete and accurate, including any information pertaining to your country of citizenship, residence, and any other relevant information to determine legal and tax status. You agree to notify us and/or provide us with any changes related to your tax affairs as we may request to comply with our regulatory obligations.

To register for an Account and use and/or receive the SATO services you must: Be an individual, aged 18 or over, resident in the US or in a non-US supported country as listed in eligible countries and meet our eligibility requirements and meet all our partners' requirements. Not be on the United States Department of Commerce, Bureau of Industry and Security’s Denied Persons List, or designated as a “Specially Designated National” by the Office of Foreign Assets Control of the U.S. Department of the Treasury; or classified or otherwise identified (or previously classified or identified as) or affiliated with a person that is classified or otherwise identified on a specially designated persons/blocked persons list published by international organizations, including, but not limited to, the United Nations, European Union and its Member States, United States and United Kingdom sanctions lists, nor are you located in, under the control of, or a national or resident of any countries sanctioned by the United States, United Nations, United Kingdom or the European Union and its Member States;

You must successfully complete the relevant onboarding process, including providing all information and documents we (or our Compliance Provider(s)) may request (on behalf of ourselves or on behalf of our partners) to comply with applicable laws relating to know your customer (KYC) and anti-money laundering (AML).

Cookies are small text files stored on your device when you visit a website. They allow websites to function properly, improve performance, and provide a better user experience. Cookies may be placed by SATŌ (first-party cookies) or by third-party services. SATŌ uses cookies and similar technologies to: ensure the proper functioning and security of the website, enable essential features and navigation, improve performance and usability and personalize user experience (with your consent)

These cookies are essential for the website to operate correctly. They are enabled by default and do not require your consent:
• Security and authentication
• Session management
• Cookie consent management

When you visit our website, you can accept all cookies or reject non-essential cookies. You can change or withdraw your consent at any time via your browser settings. With your consent, we may use additional cookies to: improve website performance and analytics, understand user interactions and usage, enhance and personalize your browsing experience. SATŌ does not use third-party services cookies and don't share your navigation data through third-party services cookies. No tracking or advertising cookies are implemented or used.
These cookies are only activated if you choose to accept them.

Updated on 2026-03-15

These terms and conditions constitute a legal agreement between you, as a current or potential user of the SATO.NOW services, RAK LLC (hereinafter referred to as "RAK", "SATŌ", "we", "our" or "us"), and govern your use of the SATŌ application, a fintech platform including mobile applications, websites, software, cloud solutions and other products and services (the "Service"), provided by RAK. By using the Service, you agree to be bound by these Terms and Conditions and by all Policies referenced herein (the "Policies"), including our Privacy Policy, our Onboarding Policy ("KYC") and our Anti-Money Laundering Policy ("AML").

By accessing the SATŌ platform or completing the onboarding process, you enter into a legal contract with RAK and are deemed to have expressly acknowledged, read, understood and accepted these Terms in their entirety.

The account services, app, and debit card provided by SATŌ are available to residents of the following European Economic Area countries:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia and Spain.