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Unique Capital

What is Unique Capital?
We’re El Salvador’s first financial neo-cooperative. We bring together the strength of traditional finance and the innovation of digital technology and the crypto world.
Is Unique Capital regulated?
Yes. Unique Capital complies with all applicable laws and regulations and operates within El Salvador’s regulatory framework. It is regulated by the Superintendency of the Financial System (SSF) and the Superintendency of Commercial Obligations (SOM). It is also registered as a Bitcoin Service Provider (PSB) with the Central Reserve Bank (BCR) and reports to the Financial Investigation Unit (UIF) of the Attorney General’s Office (FGR).
Do you raise funds from the public?
No. Unique Capital works solely with contributions from private members, in compliance with the provisions of the Central Reserve Bank (BCR). Its operations are designed to protect private capital and ensure compliance with the financial rules set by the competent authorities.
What do I need to become a member?
You need to be 18 or over and have your ID (DUI, passport, residence card or foreign ID document), your NIT, an electricity, water or phone bill in your name, and a selfie. Sign up from your phone and, once we approve you, activate your membership.

Membership

How much does membership cost?
$11.30 a year, paid from your account balance, plus $1.70 a month for maintenance and use, charged on the 15th of every month.
How long is it valid?
One year from the day you activate it. When it expires, the app asks you to renew it when you log in.
What’s included?
Access to your account and every product: card, pockets, term deposits, loans, crypto and Exchange.
What if I don’t have the balance to activate it?
Top up your account with crypto or a bank transfer (from $10) and activate it.
How long does the review take?
An analyst reviews your application during business hours. We’ll let you know in the app when it’s ready.

Account

How much does it cost to send money?
Between Unique Capital accounts, nothing: the fee is $0.00 and the money arrives in seconds.
Who can I send money to?
Anyone with a Unique Capital account, using their username or email. From $1, with a description that helps you recognize each transfer.
How do I top up my account?
With crypto (from $1, by paying a link over Lightning or on-chain; it’s credited automatically) or with a bank transfer from an account in your name (from $10; upload the proof of transfer and we review it during business hours). Neither of them charges a fee.
What are the monthly limits?
How much can come into and go out of your account in a month. What you’ve used resets to zero every month. If you need more, you can move up to Level 2 with documents that back up your activity.
How do I hide my balance?
With the eye icon on your Balance: amounts stay hidden across the whole app until you tap it again.

Card

Where can I use my card?
To pay in shops and shop online, with the balance on your card. Every purchase shows up in your transactions.
How do I top it up?
In the app, with “Top up card”: move money from your account to your card from $1, fee-free, and it’s credited instantly. You can also move the balance back to your account.
What do I do if I lose it?
Freeze it from the app: all charges are blocked instantly and you can unfreeze it whenever you like. If it was stolen or you think it was cloned, choose that reason; if it has to be cancelled, write to support to get a replacement.
How do I choose my PIN?
It’s 4 digits, with no repeats, no sequences like 1234 and not starting with 0. You can change it later in the app.
Is it a credit card?
No. It’s a prepaid Mastercard: you spend the money you move to your card from your account.

Pockets

Does it cost anything to use Pockets?
No. Adding and withdrawing are fee-free, and what you move between your account and your pockets doesn’t count towards your monthly limits.
Do Pockets earn interest?
No: they’re for organizing your savings. If you want your money to earn, take a look at the term deposit.
Can I remove the lock?
No. The lock is set when you create the pocket and can’t be removed: you can keep adding money, but you can’t withdraw or close the pocket until the date.
What happens if I close a pocket?
Its whole balance goes back to your main account. A closed pocket can’t be reopened.

Term deposit

What’s the minimum amount?
$500. The money comes out of your main account.
What’s the term?
The term, the rate and the conditions are set out in the contract you sign in the app before investing.
When do I receive my returns?
Every month. Interest accrues daily and is paid into your returns wallet; from there you can move it to your account from $1, fee-free.
Can I withdraw my capital early?
Your capital goes back to your account at the end of the term. Before then, you can move your returns to your account every month.
Is the calculation on this page exact?
It’s illustrative: 12% AER on the amount, without compounding. What counts is what your contract says.

Loans

How much can I borrow?
From $100 to $1,000,000, depending on your ability to repay and the review of your application.
What documents do I need?
If you’re employed: proof of income for the last 30 days and your AFP (pension fund) statement for the last 6 months. If you’re self-employed: proof of income, your last 3 VAT returns and your income tax return for the previous year. As a PDF or a photo.
How do I know where my application stands?
In the app: Received, Under review, Documents received, Documents missing, Approved and Active. If anything is missing, we’ll tell you right there.
Can I make extra payments towards principal?
Yes, from $1 and whenever you like. The payment first covers anything outstanding (arrears, interest and fees) and the rest reduces your principal.
What’s the rate?
It depends on the term and the type of loan. Before you submit your application, the app shows you the estimated installment, interest and total; the final conditions are set out in your contract.

Crypto

Which crypto can I use?
Bitcoin, in two wallets: on the Bitcoin network (on-chain) and over Lightning. Other currencies aren’t available in El Salvador.
What happens if someone sends to me on another network?
Each address receives one currency on one network. If someone sends you another currency or uses another network, that transfer is lost: that’s why the app warns you on every address.
Can I reverse a crypto transfer?
No. Crypto transfers can’t be reversed: check the address and the network before you confirm. The app checks that the address matches the network.
Can I convert my crypto to dollars?
Yes, with the Exchange: sell crypto and the dollars land in your account, or buy bitcoin with your dollars.

Exchange

What can I convert?
Bitcoin and dollars: sell crypto and get dollars in your account, or buy bitcoin with the dollars in your account.
How long does the rate last?
Once you lock it, it stays fixed for 5 minutes and a timer shows how long is left. If it runs out, you lock a new one.
How much does it cost?
The app shows you the fee and the total before you confirm each conversion.
Can I cancel a conversion?
Yes, while we’re waiting for your payment. Once it’s confirmed, you can follow it in the app until it’s complete, with its receipt.

The app

Do I need to download anything?
No: the app works in your browser. If you like, install it on your phone or your computer and it opens like an app, from its icon.
How do you protect my account?
To log in, on top of your password, we ask for a 5-digit code sent to your email. If you leave the app idle, we warn you after 4 minutes and log you out at 5.
Can I change what I see on my home screen?
Yes. There are 14 widgets: move them, remove them, add others and choose their size. Your home screen is saved on your device.
Is there a dark mode?
Yes: light, dark or whichever your device uses.

Contact us

Real people on the other end.

Cualquier incumplimiento de las regulaciones o quejas no resueltas por parte de clientes del proveedor de servicios Bitcoin puede ser notificado directamente a la Superintendencia del Sistema Financiero al correo atencionalusuario@ssf.gob.sv o al teléfono 2699-9999, opción 1.English translation, for reference only: Any breach of regulations or unresolved complaints from clients of the Bitcoin service provider may be reported directly to the Superintendency of the Financial System at atencionalusuario@ssf.gob.sv or by phone at 2699-9999, option 1.

Become a member

Open your account today, from your phone.

Sign up with your DUI and NIT, one question at a time. Membership is $11.30 a year, plus $1.70 a month for maintenance and use.

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