> ## Documentation Index
> Fetch the complete documentation index at: https://docs.blinka.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Partner Disclosures

> Blinka's regulated service partners, the role each plays, and where to find their terms and privacy policies.

**Last updated: July 28, 2026**

Blinka Tech Corp is a financial technology company, not a bank. We deliver banking, card, payment, and verification functionality through licensed and regulated partners. This page identifies those partners and links to their own terms, so you can review the agreements that apply to each part of the service.

This page is provided for reference and transparency. It does not modify the [Terms of Service](/legal/terms-of-service) or the [Privacy Policy](/legal/privacy-policy), and it does not replace any agreement you enter into directly with a partner.

## Banking and deposit accounts

**Erebor Bank, N.A., Member FDIC**

Deposit accounts opened through the Blinka platform are held at and issued by Erebor Bank, N.A. Blinka Tech Corp itself does not hold deposits, issue bank accounts, or make loans.

Deposits held at Erebor Bank, N.A. are eligible for FDIC insurance up to the applicable limits. FDIC insurance covers the failure of an insured depository institution. It does not protect against the loss of value of any particular investment, and it does not protect against the failure of any non-bank entity.

* FDIC deposit insurance information: [www.fdic.gov](https://www.fdic.gov)

Your use of banking services is also subject to the terms and conditions of the banking partner, which are provided to you separately during account opening. Where those terms conflict with Blinka's Terms of Service, the banking partner's terms govern the banking services.

## Card issuance

**Third National**

The Blinka Card is issued by Third National under license from Visa. Blinka Tech Corp does not issue the card, extend credit, set interest rates, or determine repayment terms.

* Issuer privacy policy: [third-national.com/privacypolicy](https://www.third-national.com/privacypolicy)

The agreements governing the card are the Card Terms and the Authorized User Terms, both of which are governed by the law of Puerto Rico. See [Card Program Disclosures](/legal/cards/overview) for the full set.

## Payment infrastructure and stablecoin settlement

**Mural Pay, Inc.**

Mural Pay provides the payment and stablecoin settlement infrastructure behind Blinka's cross-border payouts. Mural Pay facilitates the conversion, transfer, and settlement of stablecoin-based transactions on behalf of Blinka and its users.

Stablecoins are not legal tender, are not insured by the FDIC, and may be subject to value fluctuation.

* Mural Pay platform terms of service: [muralpay.com/legal/platform-terms-of-service](https://muralpay.com/legal/platform-terms-of-service)
* Mural Pay privacy policy: [muralpay.com/legal/privacy](https://muralpay.com/legal/privacy)

When you create an organization on Blinka, you are asked to accept Mural Pay's terms directly as part of that flow. Those terms are an agreement between you and Mural Pay.

## Identity verification

**Persona**

Identity document verification during KYC and KYB is performed by Persona. Persona processes the identification documents and biometric information you submit for verification purposes.

* Persona identity verification privacy policy: [withpersona.com/legal/idv-privacy-policy](https://withpersona.com/legal/idv-privacy-policy)

## Related documents

* [Terms of Service](/legal/terms-of-service), including Section 7 (Banking Services) and Section 8 (Digital Asset and Stablecoin Services)
* [Privacy Policy](/legal/privacy-policy), including Section 5 (How We Share Your Information)
* [Card Program Disclosures](/legal/cards/overview)