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).

No tracking or advertising cookies are implemented or used.

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.

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, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia and Spain.