Legal
Four Tesseract entities operate different parts of our service stack. This page is the single source of truth for which entity does what, and which regulator (if any) supervises each one.
Only certain Tesseract entities within our group of companies hold regulatory authorizations. The list below clarifies the regulatory status of each.
Regulated entities are supervised by a named financial supervisor and operate under a specific authorization. Unregulated entities provide services that fall outside the scope of financial regulation. Their products are not covered by investor compensation or deposit guarantee schemes.
Operates the Dedicated Client Vault (DCV) product — a discretionary portfolio management service for crypto-assets. Authorized as a Crypto-Asset Service Provider under Regulation (EU) 2023/1114 (MiCA) and supervised by the Finnish Financial Supervisory Authority (FIN-FSA).
Finnish parent of the Tesseract UK Access entities. Provides software and operational services to the Tesseract group. Tesseract Earn Oy itself is not a regulated financial services provider; it does not offer financial services to clients in its own name.
One of the two UK special-purpose vehicles that operate the Tesseract Lending product. Wholly owned by Tesseract Earn Oy. Lending services are not regulated financial services and are not covered by any investor compensation or deposit guarantee scheme.
The second UK special-purpose vehicle operating the Tesseract Lending product. Wholly owned by Tesseract Earn Oy. Operates in tandem with UK Access I Ltd as the contractual counterparty for institutional borrowers. Not a regulated financial services provider.
For the full regulatory framework, statutory disclosures, and product-specific risk warnings, see the Compliance page. For the website terms of use and contractual provisions, see Terms and Conditions. Questions about a specific entity or registration are best directed to info@tesseract.fi.
