What Suby Does Not Do
No Fund Custody
Suby does not hold or maintain fiat or crypto balances on behalf of merchants or end users at any point in the payment flow.
No Key Control
Suby does not control private keys, seed phrases, or signing authority for any merchant or end-user wallet.
No Fiduciary Role
Suby does not act as a trustee, custodian, or fiduciary for customer assets. Its role is strictly limited to software and payment orchestration.
No Balance Management
Suby does not aggregate or pool merchant funds. There are no Suby-held accounts sitting between a payment and its destination.
Where Funds Are Held
Merchant Self-Custody
Crypto assets paid directly on-chain are held and controlled by merchants through their own self-custodial wallets. Suby never intermediates these assets.
Licensed Third Parties
Where fiat settlement is involved, funds are held by Suby’s licensed PSP and banking partners in accordance with their respective terms and regulatory frameworks.
Suby’s Role
Suby’s involvement is strictly limited to software and payment orchestration services, including settlement timing, routing, and batching instructions. These are technical operations performed within merchant-defined configurations and partner-enforced controls.Suby does not have discretionary authority over funds at any stage. All settlement destinations are determined by merchant configuration and enforced by regulated partners.