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Penning Financial Services ApS is licensed by the Danish Financial Supervisory Authority (Finanstilsynet) as a Crypto-Asset Service Provider (CASP) under the EU Markets in Crypto-Assets Regulation (MiCA), FTID 10902. Penning Financial Services ApS (CVR: DK44645971) and Penning A/S (CVR: DK42312428) are part of Penning Group ApS (CVR: DK42310352), all companies registered and incorporated in Copenhagen, Denmark. Hereinafter collectively referred to as "Penning."
Verify our registration at Finanstilsynet.dk .

To ensure transparency and peace of mind for our clients, we operate under the strictest European standards for financial services involving crypto-assets: Our IT security systems are built according to the principles of ISO 27001 to ensure maximum data protection and information security. We comply with the requirements of the DORA Regulation (Digital Operational Resilience Act), which sets the highest EU standards for digital operational resilience and protection against cyber threats. We utilize the ISO 20022 methodology for financial data exchange to ensure precise and standardized transaction reporting. Our asset custody processes follow the principles of ISO/IEC 27017 for cloud-based security, safeguarding your funds in a modern digital environment. We adhere to the technical standards of the Transfer of Funds Regulation (TFR), also known as the 'Travel Rule,' to ensure full traceability and combat financial crime. Our algorithms and order execution systems are designed according to MiCA 'Best Execution' standards to ensure our clients receive the most optimal trading terms. We follow the ISO 31000 guidelines for risk management, integrating security and stability into all our investment decisions and portfolio management. We maintain strict segregation of client funds and corporate assets in accordance with MiCA regulation requirements for asset protection. Our market monitoring systems are configured to detect and prevent market abuse, ensuring a fair and transparent trading environment for all users.

Penning does not provide investment advice, financial advice, or recommendations of any kind. All investment decisions are made solely by the client. Crypto-assets are highly volatile and carry substantial risk, including the risk of total loss of capital. Crypto-assets are not legal tender, are not backed by any government, and are not covered by any deposit guarantee or investor compensation scheme, including the Danish Guarantee Fund (Garantiformuen). Past performance is not indicative of future results.

Clients are solely responsible for determining and fulfilling their tax obligations in their country of residence. Penning cannot be held responsible for any costs, taxes, penalties, or other losses resulting from the purchase, sale, or holding of any assets, including non-compliance with laws or regulations in the client's jurisdiction.

Penning's services are directed at residents of the European Union and the European Economic Area (EU/EEA). Penning does not actively market or solicit services toward jurisdictions outside the EU/EEA. Penning's CASP license does not constitute a banking license or authorization beyond the scope of MiCA, and should not be interpreted as an endorsement or guarantee by any supervisory authority.

All content, trademarks, and materials on this website are the property of Penning Group ApS. Services are governed by Danish law, with disputes subject to the exclusive jurisdiction of the courts of Copenhagen, Denmark. For details on how we handle your personal data, see our Privacy Policy.