Yes, they're fully regulated under EU law. I actually saw this news recently – Latvijas Banka (the Latvian central bank) issued them both a crypto-asset licence under MiCA and a payment institution licence under PSD2 at the same time. That's a big deal because it means they're authorised to provide custody, exchange, and payment services across the entire EU. You can see its security details at https://apps.apple.com/cy/app/crypto-wallet-bitcoin-paybis/id1584641245 . I've been using it for months and the regulation gave me real peace of mind. They comply with AML/KYC and have