# Bullet

> Blockchain-native financial platform. One account, every currency,
> every rail. Banking without a bank, borderless by default,
> settlements in seconds.

Bullet is a Vancouver-based technology company building financial products
on blockchain infrastructure. Not a bank with an app, not a fintech that
modernized banking's interface — a different foundation entirely. Funds
are held on-chain in a wallet the user controls; Bullet never invests,
lends, or accesses them. Available 24/7/365 across 48 currencies.

## Core pages

- [Home](https://bullet.cash/): Overview, three value pillars, FAQ
- [Manifest](https://bullet.cash/manifest.html): Full positioning statement
- [Privacy Policy](https://bullet.cash/privacy-policy.html): Data and privacy practices
- [Terms & Conditions](https://bullet.cash/terms.html): Legal terms

## Value proposition

Three pillars that define what Bullet is:

- **Banking Without a Bank**: same products as a traditional bank
  (payments, cards, savings, investments) without the bank as
  intermediary. The infrastructure is blockchain, not legacy
  correspondent banking.
- **Borderless by Default**: money moves above jurisdictions, not
  through them. No correspondent banks, no clearing houses, no batch
  windows.
- **Powered by Blockchain**: settlement is peer-to-peer, instant,
  cryptographically signed, and publicly verifiable. Rules are
  written in code, not in legislation.

## Products

- **Pay & Receive**: Send, receive, and hold in 48 currencies from a
  single account. Virtual accounts in multiple currencies — receive
  like a local anywhere in the world.
- **Spend** (Silver Bullet Card): Spend anywhere in any currency with
  explicit, published conversion rates. No taxes, no double
  conversion. Apple Pay and Google Pay supported.
- **Hold & Save**: Balance lives on-chain in a wallet the user
  controls. Bullet has no access to user funds. Safe even if Bullet
  ceases to exist.

## How blockchain changes the foundation

- **24/7/365**: blockchain has no banking hours, weekends, or
  holidays. Money moves the moment it is needed.
- **Settlement in seconds**: peer-to-peer transactions on-chain.
  No clearing houses, no correspondent banks, no batch windows.
- **Verified by mathematics**: every transaction is cryptographically
  signed, immutable, and publicly verifiable. Security is built into
  the infrastructure, not based on institutional promises.

## How Bullet differs from Revolut, Wise, or Nubank

Those companies modernized the experience of banking, but the
infrastructure underneath is still the same: correspondent banks,
batch processing, settlement in days — the financial system built
in the 1970s with a new interface on top. Bullet is built natively
on blockchain. Same products, fundamentally different foundation.
That is why settlement is instant, funds do not depend on any single
institution, and rules cannot change overnight by government decree.

## Safety and custody

Bullet does not use customer money. Banks lend out deposits — when
a bank fails, the money is not there to return. Bullet holds funds
but never invests, lends, or touches them. If Bullet ceases to exist,
the technology layer fails but the money remains intact.

User funds are protected by cryptographic architecture: every
transaction is signed and recorded, unauthorized access is
mathematically near-impossible. Security does not rely on Bullet's
policies — it is built into the infrastructure.

## Compliance

- Legal entity: Bullet Payments and Financial Services Ltd (BC1506717)
- Authorization: Money Service Business in Canada
- Regulator: FINTRAC
- Registration: C100000796
- HQ: Vancouver, Canada

The FINTRAC license exists to prevent money laundering and misuse of
the technology. It does not mean transactions are automatically
reported to any government authority. Bullet does not share user
financial activity with any government entity automatically.

## Tax responsibility

Each user is responsible for their own tax obligations in their
country of residence — the same as with any other financial product.
Bullet does not report transactions automatically to any tax authority.

## Founders and leadership

- Felipe Lachowski — Co-founder and CEO

## Contact

- Support email: help@bullet.cash
- WhatsApp community: https://chat.whatsapp.com/J2Fxt36fOnZ9fwKabNcDst
- LinkedIn: https://www.linkedin.com/company/bulletcash/
- Instagram: https://www.instagram.com/bullet.borderless/

## Full content

- [Full content as Markdown](https://bullet.cash/llms-full.txt):
  Complete copy from the website, including the manifest and full FAQ