VePay Finance, Inc. is a financial technology platform and is not a bank. VePay does not provide banking services, business bank accounts, multi-currency wallets, corporate debit cards, or interest-bearing loans directly. VePay’s liquidity, working capital, and factoring solutions are structured as interest-free, Shariah-compliant commercial transactions, including Murabaha, Musawama, and Wakalah-based structures. Funding is subject to business performance, compliance screening, documentation review, contract execution, and VePay’s internal risk assessment.