CONTENTS

Page

Table of Contents
1.0 Overview .......................................................................................................................................... 3
1.1 Admin Portal Overview .......................................................................................................... 3
2.0 Managing Customers ...................................................................................................................... 4
2.1 Customer Overview..................................................................................................................... 4
2.2 Customer Status .......................................................................................................................... 4
2.3 To create a new Customer .......................................................................................................... 4
2.4 To view Customer information .................................................................................................. 5
2.5 To close a Customer account ...................................................................................................... 6
2.6 To freeze/unfreeze a Customer ................................................................................................. 7
3.0 Managing Clients ............................................................................................................................ 8
3.1 Clients Overview ......................................................................................................................... 8
3.2 To create a new client ................................................................................................................. 8
3.3 To view client information ......................................................................................................... 9
3.4 To close a client account ........................................................................................................... 11
3.5 Deleting users ............................................................................................................................ 12
3.6 To freeze or unfreeze a client ................................................................................................... 12
4.0 Accounts Guide ............................................................................................................................. 14
4.1 Accounts Overview ................................................................................................................... 14
4.2 Account information ................................................................................................................. 14
4.3 Balance and list of transactions............................................................................................... 15
4.4 Detailed transaction information............................................................................................. 15
4.5 Generate a bank statement ....................................................................................................... 16
5.0 Payment Guide .............................................................................................................................. 18
5.1 Payments Overview .................................................................................................................. 18
5.2 Set up a payment ....................................................................................................................... 18
5.3 View a payment ......................................................................................................................... 21
5.4 Copy a payment ......................................................................................................................... 22
5.5 Cancel a scheduled or recurring payment............................................................................... 22
5.6 Manage Beneficiaries ................................................................................................................ 22
5.7 Receiving Money ....................................................................................................................... 25
6.0 Cards Guide................................................................................................................................... 26
6.1 Cards overview .......................................................................................................................... 26

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 6.2 Issuing and activating new cards ............................................................................................. 26
6.3 Find and manage a card ............................................................................................................ 28
6.4 View transactions ...................................................................................................................... 29
6.5 Freeze, cancel or unfreeze a card ............................................................................................. 30
6.6 Edit card details ......................................................................................................................... 31
7.0 Managing Users Guide ................................................................................................................. 33
7.1 User management overview..................................................................................................... 33
7.2 Create a new user ...................................................................................................................... 33
7.3 User-profile management ......................................................................................................... 37
7.4 Forgotten Password .................................................................................................................. 39
8.0 Know Your Business ..................................................................................................................... 41
8.1 Overview .................................................................................................................................... 41
8.2 End-User Registration............................................................................................................... 41
8.3 Admin Registration ................................................................................................................... 42
8.4 Credential Setup ........................................................................................................................ 45
8.5 KYB Process ............................................................................................................................... 47
8.6 Know Your Business Data Collection:...................................................................................... 47
9.0 Know Your Customer................................................................................................................... 51
9.1 Overview .................................................................................................................................... 51
9.2 End User Registration ............................................................................................................... 51
9.3 Admin Registration ................................................................................................................... 52
9.4 Credential Setup Process: ......................................................................................................... 53
9.5 KYC Process ............................................................................................................................... 55

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1.0 Overview
The TOQIO Fintech Manager is the primary Admin Portal you'll be using to access and manage
your clients. Collectively it comprises key third-party applications that are integral to the
management process.

• Admin Portal
• Compliance
• Chat & CRM

1.1 Admin Portal Overview

The Admin Portal: behind the scenes, the place where you see all the key data related to your
clients, where you manage the interrelated processes, view the accounts, bank cards, payments,
users, and their login histories.

Our customer success team is currently setting up the Admin Portal and will be inviting you once
it is complete. You will receive an email inviting you to register, so please check your spam folder
because invitations are occasionally delivered there by mistake.

Access:

Log in to the Admin Portal

TEST: please go to this link
PRODUCTION: please use this link

When your Test Applications are ready, we'll send you an initial link to access the TEST
environment. As the name suggests, this is for testing purposes only – it was specially created to
familiarize you with the whole environment.

Once your Production Applications are live and we've received production API access from your
banking provider, we'll share the link for the PRODUCTION environment.

Roles:

• Super Admin: TBD

• Admin: TBD

Security:
There is a 2-minute time out from the Admin Portal – we strongly advise you to store your
password somewhere safe.

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2.0 Managing Customers
Not all TOQIO users will have access to this section. This is only provided to TOQIO clients
who have multiple Customer deployments.

2.1 Customer Overview

In this section, you can manage your customers' information. Key capabilities available for
customer management are:

• Managing the onboarding of your Customers

• Setting up and managing Customer admin users
• Viewing clients for a given Customer
• Viewing Customer history
• Managing Customer features – only super Customers will be able to edit this
functionality as well.

2.2 Customer Status

Your Customers can be managed through the following lifecycle:

• A new Customer who's been registered and invited but hasn't completed their
credential setup.
• Onboarding. After the credential setup, the customer progresses to onboarding and
retains this status until their customer profile is complete. This includes completing
the banking provider setup.
• Live. Once Customers complete their profiles and the banking provider is set up,
status is set to Live, and they can start using the platform.
• Frozen. All user access is blocked and the account is frozen. Frozen status is used if a
Customer is being investigated for suspicious activity or if the Customer suspects
that someone has compromised their account.
• Rejected. Customers whose accounts have been closed have their status set
to rejected.

2.3 To create a new Customer

By creating a new Customer, you are adding a company that will be capable of managing its
own clients, viewing company transactions, users, cards, and many other details. When a
Customer is created, an email is sent, and the Customer admin user is given access to the
admin portal.

To fully create and activate a new Customer, you'll need the support of the TOQIO team. You
should contact your customer success manager as part of a new customer setup.

To create a new Customer:

• Log in to our admin portal; if testing, go here; if in production, click here

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 • Click the Customer section
• Click Create new Customer

• Please provide the following information

Email sender. The email address that will be used to send customer communications.
Currencies. Currencies available to your clients – at the moment we have EUR & GBP
– more to be added in the coming months.
Terms & Conditions. URL for the Terms & Conditions that will be used when
onboarding clients.
Privacy Policy. URL for the privacy policy that will be used when onboarding.
Business/Consumer URL
API Keys. These should be provided by your banking provider.
Card Program. This should be provided by your banking provider.
Card Design. These will be designed by your team and communicated to our design
team.
• When everything is ready, create the customer and then invite the main admin to
the platform. The main admin for the customer will receive an email with a link to
complete registration. Please note that the main admin will need to operate a mobile
contact number (not a landline)

2.4 To view Customer information

• Log in to our admin portal
• Click on the Customers section
• Search for the Customer by company name
• Click through to the Customer you wish to view

Within this section, you will be able to manage admin users and features and view clients
and history.

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Customer Data
Access to Customer information – view and edit.
Admin Users
Add, edit, or disable an administrator. You can also invite an administrator to the platform.
Clients
View and search your Customers' client information.
Plus the option to close, reject, or freeze a client account.
History
View the audit history of Customer accounts. See when invitations were sent, admins set up,
and banking information provided.

Features- Users with a SUPER-CUSTOMER role (only TOQIO can set this role), will also be
able to do this.

As a super Customer, you can configure which features are available to the Customer:

• Enable cards
• Enable public registration form
• Enable advanced invoicing
• Enable FX payments
• Enable reserve factoring
• Enable periods
• Enable expenses
• Enable manual expenses

2.5 To close a Customer account

Please follow the steps below

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 • Log in to the admin portal
• Click on the Customers section
• Search for the customer
• Click through to the customer you wish to close
• Under customer data, scroll down to the bottom of the screen and click Reject

What happens if a user tries to reject a customer that has active clients?
Please note that only Customers with statuses FROZEN, ONBOARDING or LIVE can be
rejected. When rejecting a Customer, all companies will also be rejected.

2.6 To freeze/unfreeze a Customer

Please follow the steps below

• Log in to the admin portal

• Click on the Customers section
• Search for the customer
• Click through to the Customer you wish to freeze or unfreeze
• Under customer data, scroll down to the bottom of the screen and
click Freeze or Unfreeze, depending on the status of the customer

IMPORTANT: When a customer account is frozen, all admin users will temporarily be
denied access to the TOQIO platform. Will accounts and cards still work?
This will happen company by company and freeze all of them, meaning, all users and cards
will be frozen, but the account will still be active and receive funds; no outbound payments
will be executed as users will not be able to access the platform.

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3.0 Managing Clients
3.1 Clients Overview
This section is where you manage your client information and relationships, using key
client-management capabilities to do the following:

• Manage your client's entire lifecycle

• Set up and manage client users
• View client expenses
• View client payments
• View client cards
• View the billing model associated with your clients
• Manage compliance for your clients

Client Status

You can manage your clients through the following lifecycle:

• Lead. Leads are new clients who've been invited and registered but haven't yet set
up their credentials.
• Onboarding. After clients complete the credential setup, their status moves to
Onboarding, where it remains until they complete the KYC or KYB process.
• Live. Once clients complete either the KYC or KYB process, their status is set to Live,
and they can start using the platform.
• Frozen. In Frozen status, all user access is blocked, and the account is frozen. This
status should only be applied when investigating suspicious activity or if the client
suspects the account has been compromised.
• Rejected. Clients who have failed to pass the KYC or KYB phase or whose accounts
have been closed will find their status set to Rejected.

3.2 To create a new client

To create a new client:

• Log in to the admin portal

• Click on the Client section
• Click Create a new lead
• Provide the required information about the legislation of the country, the client type,
etc.
• You have an option to override the TOQIO compliance process when onboarding this
client. Use this option when you're doing compliance checks outside TOQIO.
• You will be asked to add personal information for the main user in the client
• When ready, create the lead

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Your client will receive an email with a link to complete registration. When registration is
complete, and if you didn't override compliance, the KYC/KYB process will begin.

3.3 To view client information

To view client information:

• Log in to the admin portal

• Click on the Clients section
• Search for the client, using criteria such as status and client type
• Click through to the client you wish to view

In this section, you can manage users, expenses, payments, cards, billing, and compliance
progress.

Client Details
Gives you access to client information. Search here to find items such as Country, Company
number, Address, and Postal Code.

Users
View all users that have access to the client platform. Once users are onboarded, you can
edit their details. On this screen, you can explore the details of users' cards, payments,
expenses, and login histories.

Expenses
Provides read-only access to client expenses. Several filters are available, such as merchant,
date range, and amount.

Payments
Provides read-only access to client payments. Several filters are available, such as merchant,
date range, and payment type.

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Cards
Provides access to client cards. Several filters are available, such as card name, date range,
and card type (virtual or physical). Once a card is selected, one thing you can do is
freeze/unfreeze or cancel cards. However, you won't see card details like the card number.

Billing
Provides access to clients' billing models.

The place to store all the information about how this client is billed. Please find more accurate
information in the so-called Billing Engine area
You will also find more information about setting up a new billing model if needed

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Compliance
Provides read-only access to your clients' compliance status. The area where we make sure
all documents have been verified and comply with every single step of the process.

Please note that this area may feature some extra involvement from third-party
applications. For more information, please check out the TruNarrative Setup area.

3.4 To close a client account

To close a client account:

• Log in to the admin portal

• Click on the Clients section
• Search for the client, using criteria such as status or client type
• Click through to the client you want to close
• Under Client details, scroll down to the bottom of the screen and
click Reject or Delete depending on the client's status.

What happens if a user tries to reject a client who has active accounts or cards? All users get
disabled along with their company, and all cards are frozen.

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3.5 Deleting users
You cannot delete any users from your clients. We must do this manually from our side. If
you wish to do so, please let the TOQIO team know the username and the client that the
user belongs to.
Please note that if the client has any active cards with the banking provider, these will also
be removed.

3.6 To freeze or unfreeze a client

To freeze or unfreeze a client account:

• Log in to the admin portal

• Click on the Clients section
• Search for the client, using criteria such as status or client type
• Click through to the client you wish to freeze or unfreeze
• Under Client details, scroll down to the bottom of the screen and
click Freeze or Unfreeze depending on the client's status.

When a client account is frozen, all client users are temporarily denied access to the TOQIO
platform.

Will accounts and cards still work?

Cards get frozen, so they won't work. However nothing happens to the account, so money
can be paid in and received, but users can't make transfers out because they don't have
access to the account.

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User Details: clicking on the Users Tab takes you to another sub-tab where you can view:

• User Details: name, surname, address, etc.

• Cards assigned: number of active cards currently held by the user
• Payments: payments made/received by this user
• Expenses: expenses paid/received by this user
• Login History: tracks of all logins

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4.0 Accounts Guide
.

4.1 Accounts Overview

In the TOQIO account section, your customers can manage their accounts. They can:

• Access detailed account information

• View the balance and list of transactions
• View detailed transaction information, including related expenses
• Generate bank statements.
After onboarding, users are presented with the available currencies to open their
accounts.

4.2 Account information

To view key account information:

o Click Account
• To view account details (e.g., account number):
o Click Receive money
• An option to view Local or International account information is available

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4.3 Balance and list of transactions
To access balance and transactions:

• Click Account
• Account balance is shown in the top right corner of the page,
• Transactions are also shown on this page and can be filtered by:
Merchant, notes, address, or concept
Transaction amount
Date of transaction

4.4 Detailed transaction information

To view detailed transaction information:

• Log in to the TOQIO portal

• Click Account
• If necessary, filter to identify the selected transaction
• Once found, click through the transaction. The following information is available for
each transaction:

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 o Transaction owner. Identifies the user of the account that has made the
transaction. Applies to outbound transactions.
o Description. Description of transactions, as introduced by the user for
manual transactions or, for card transactions, as defined by the merchant.
o Category. TOQIO allows users to categorize transactions. There is a vast
array of options, including Accounting, Rent, and Hotel. This is available for
outbound transactions only.
o Tags. Transactions can be associated with a tag for easier reporting and
aggregation. To create a tag, start typing in the search area. If the tag does
not exist already, the option to create a new tag appears.
o Payment scheme. Identifies the payment scheme used for the transactions.
Available for outbound manual payments.
o View expense. Shows the expense. Expenses are created by default.
o View payment details. Shows payment details.
o Download payment statement. Downloads detailed transaction
information in PDF format.
o Transaction receipt. Allows the user to attach a receipt to the transaction
o Comments. Allows the user to add comments to a transaction. Comments
are visible to all users of the account and support team collaboration.

4.5 Generate a bank statement

To generate a bank statement:

• Log in to the TOQIO portal

• Click Account
• Click Bank statement
• Select the dates of the required bank statement
• Click Download to generate the statement

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5.0 Payment Guide
5.1 Payments Overview
Payment Destinations
The TOQIO platform allows end-users to make domestic and international payments.
This is dependent on your banking service provider.

5.2 Set up a payment

To set up a payment

To set up a payment, users should:

• Click Payments on the left navigation panel

• Click New Payment
• Select an existing beneficiary or add a new beneficiary. For more information on how
to add a beneficiary, consult the Add a Beneficiary section

If more than one payment scheme is available, the end-user is asked to choose a
payment scheme.

Payment Schemes
We support the following payment schemes:

• UK Faster Payments. Within the UK, this is the default payment method for
sterling payments. Faster Payments are available for bank-to-bank transfers
within the UK, and in most cases, Faster Payments transfers are processed in a
matter of seconds. UK Faster Payments is used for payments up to £250K.

• UK CHAPS. CHAPS is a same-day sterling system used to settle high-value

wholesale payments and lower-value, time-critical payments – like buying a
property or paying a deposit. It is used for payments of over £250K.

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 • SEPA Instant. This is the default payment for euro payments. SEPA (Single Euro
Payment Area) Instant is Europe’s answer to Instant Bank Transfers and allows
businesses and individuals to transfer money in seconds, 24 hours a day. Used
for payments below €100K.

• SEPA. Used to make payments and bank transfers easier in European

countries. By adding SEPA, we want to facilitate EUR transfers between the
nations of the European Union. SEPA transfers usually take 1-2 business days.
SEPA instant and SEPA payments are available to member countries of the
European Union, three countries of the European Economic area, and six non-
EEA countries, to which the geographical scope has been extended. The UK
remains a member of the SEPA scheme.

• SWIFT. For International payments outside the SEPA scheme, the payment
method defaults to SWIFT. The SWIFT payment method is defaulted to when
making payments between two different currencies or between the same
currencies but across geographies (e.g., from a UK GBP account to a US GBP
account) outside SEPA. SWIFT payments can take 2 to 5 working days.

• Interledger Payments (P2P). Any domestic payments made between users

within a client's platform are automatically routed via Interledger payments.
These payments are processed entirely on the banking partner platform and
are settled instantly.

Payment currencies and exchange rates

The TOQIO platform currently allows end-users to make payments to 10 currencies:
GBP, EUR, USD, CHF, CAD, NOK, AUD, JPY, NZD, and SEK. Supported currencies are
dependent on your banking service provider.

When making a payment between different currencies, end-users are shown a live
exchange rate. This rate is valid for 18 seconds before being automatically refreshed.

Payment Types

• Immediate: Instructions are sent to the banking provider for immediate

payment. Depending on the payment method (e.g., SEPA or SEPA Instant), it
could happen almost instantly or take several hours.

• Scheduled: End-users can schedule payments for a future date. Scheduled

payments are sent at the same time that the first payment was made on the
scheduled day. For scheduled payments, end-users are asked for the payment
date.

• Recurring: End-users can choose from a range of recurring payment types or

create a custom type by defining the number of occurrences or the period of
time over which this should continue.

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For recurring payments, end-users are asked to select the:

• Payment frequency. Available options: the last business day of the month, weekly,
every other week, monthly, and custom. For custom frequency, the user can select a
repeated pattern in days, months, or years;
• First transfer date;
• Until when to repeat the transfer. Available options: until cancelled, number of times,
and on a set end date.

You can edit or cancel Scheduled and Recurring payments by navigating to the
Scheduled Payments section on the Payments Screen. You'll find more information in
the Cancel a Scheduled or Recurring Payment section.

End-users can use the scheduled or recurring payment types for international
payments, but the rate is based on the live rate at the time of payment. End-users
receive a warning message alerting them to the risk of future exchange rate changes.

The user is then presented with a confirmation screen before being asked to confirm
the payment.

On this page, users can also send a notification of the payment to an email recipient.

After confirming the payment, Users are requested to enter their 4-digit security
code. Once they've done this, the payment can no longer be recalled.

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5.3 View a payment
To view a payment, users should:

• Click Payments on the left navigation panel

• Scroll down to see recent payments, failed payments, and scheduled payments
• Click through payments to see details of payments and expenses

Users can also download a Transaction Confirmation Statement for payment details

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5.4 Copy a payment
To copy a payment, users should:

• Click Payments on the left navigation panel

• Locate the payment they wish to copy and click through
• Click the button in the top right of the screen to copy the payment
• Review and complete the payment information

5.5 Cancel a scheduled or recurring payment

To cancel a scheduled or recurring payment, users should:

• Click Payments on the left navigation panel

• Scroll down to Scheduled payments
• Click Recurring payment details
• Scroll down and click Cancel this recurring payment?

5.6 Manage Beneficiaries

Ability to create and manage beneficiaries. The beneficiary currency and country
define the default payment method. The country field also dynamically drives the
account input fields. For example, a European Country would result in IBAN/BIC input
fields while the US would show Account and SWIFT input fields.

IBAN.com Integration
TOQIO has integrated the IBAN.com IBAN Checker. IBAN (International Bank Account
Number) validation through control digits is used as an effective way of reducing
failed transactions when processing international and domestic payments.

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Additionally, our system can identify the Bank Identifier Code (BIC) for the respective
bank and branch. By verifying the correct BIC code in combination with a valid IBAN,
you can ensure effective routing of the payment to the recipient bank.

Secure Customer Authentication

When saving a new or edited beneficiary, the end-user is sent a 4-digit One Time
Password (OTP) which they are asked to enter to complete the process. The OTP is
sent to the end-user's registered mobile phone number. This process is part of the
overall solution for PSD2 compliance.

Add a beneficiary
To add a beneficiary, users should:

• Click Payments on the left navigation panel

• Select New beneficiary
• Type in the required information
• Click Save

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View Beneficiaries
To view beneficiaries, users should:

• Click Payments on the left navigation panel

• Click Beneficiaries
• If required, use the option to filter and sort beneficiaries; beneficiaries can be filtered
by currency, name, or account number
• Click through to see the beneficiaries' details
From here, end-users can pay selected beneficiaries

Remove a Beneficiary
To remove a beneficiary, users should:

• Click Payments on the left navigation panel

• Click Beneficiaries
• If required, use the option to filter and sort beneficiaries; beneficiaries can be filtered
by currency, name, or account number
• Click through to see the beneficiaries' details
• Click Delete

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What happens if a user deletes a beneficiary with scheduled or recurring
payments?
Scheduled and recurring payments are cancelled.

5.7 Receiving Money

If users need to receive money, to see the details of their account they should:

• Click Payments on the left navigation panel

• Click Receive Money

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6.0 Cards Guide
6.1 Cards overview
Debit cards have two main uses:

1. For businesses

• Company Cards. Users can issue a new card to themselves and manage the
day-to-day usage of all company cards, including viewing transactions and
card details and cancelling or freezing cards.

• Team. Users can issue a new card for members of their team. Once issued,
cards are managed through the company-cards section.

2. For consumers

• Cards. Users can issue a new card to themselves and manage the day-to-day
usage of all cards, including viewing transactions and card details and
cancelling or freezing cards.

• People. Users can issue a new card to someone on their account. Once issued,
the card is managed through the card section.

6.2 Issuing and activating new cards

Cards can only be requested for registered users. For more information on how to
register a user, please see the Managing Users section.

For businesses

Only directors can issue new cards.

Directors issuing new cards to themselves should:

• Click Company Cards

• Click Issue new card

Directors issuing new cards to employees or other directors should:

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 • Click Team
• Select the team member
• Click Issue new card

For consumers

Only Account holders can issue new cards.

Account holders issuing new cards to themselves should:

• Click Cards
• Click Issue new card

Account holders issuing new cards to users on their account should:

• Click People
• Select the user
• Click Issue new card

Physical and virtual cards

Users can choose a virtual or a physical card:

• A virtual card can only be used for online payments.

• A physical card can be used for payments both online and in-store.

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Once the card type has been selected, the relevant information needs to be
completed. For a virtual card, this is the name of the cardholder. For a physical card,
the holder's postal address must also be completed.

Physical cards are set to Waiting until received and activated by the user.
Virtual cards are Activated immediately.

Activating a card

Cards can only be activated by the cardholders.

Once cardholders receive their cards, they should:

• Follow the instructions to Find and manage a card

• Select the card that needs to be activated
• Click through the Got your new card? Activate it here! link
• Introduce the security code created during cardholder registration.

The card is now set to Active.

6.3 Find and manage a card

For businesses

Directors can manage all the cards on an account. To find and manage a card,
directors should:

• Click Company Cards

• Filter to see all the cards or just the cards on this account
• Click through to the card(s) they want to manage

Employees can only manage their own cards. To find and manage their cards,
employees should:

• Click Cards

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 • Click through to the card they want to manage

For consumers

Account holders can manage all the cards on an account. To find and manage a card,
Account holders should:

• Click Cards
• Filter to see all the cards or just their cards
• Click through to the card they want to manage

Other users can only manage their own cards. To find and manage their cards, other
users should:

• Click Cards
• Click through to the card they want to manage

6.4 View transactions

To view transactions, users should:

• Follow the instructions to Find and manage a card

• Identify the card
• Click through to the card

All transactions are displayed.

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Users can now click through each transaction to be taken to Expenses.
Consult our Expenses user guide for further information.

6.5 Freeze, cancel or unfreeze a card

For businesses

Directors can freeze, cancel or unfreeze any card on the account. Employees can only
do this for their own cards.

For consumers

Account holders can freeze, cancel or unfreeze any card on the account. Other users
can only do this for their own cards.

Guidance

To freeze, cancel or unfreeze a card, users should:

• Follow the instructions to Find and manage a card

Once the card is identified:

• Click through the card

To freeze the card:

• Click Freeze and introduce the security code. The card will now be set to Frozen

To cancel the card:

• Click Cancel and introduce the security code. The card will now be set to Cancelled

To unfreeze the card:

• Click Unfreeze and introduce the security code.

The card will now be set back to Active

Once cancelled, the card cannot be re-activated.

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6.6 Edit card details
Users can only edit their own card details.
To edit card details, users should:

• Follow the instructions to Find and manage a card

• Edit the alias of the card by clicking the pencil icon to the right of the card name.

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7.0 Managing Users Guide
7.1 User management overview
In this section, you can manage your account users. Key user-management
capabilities include:

• Create or edit a user

• Disable a user
• Issue a card to a user

User Status
You can manage your users through the following lifecycle:

• New
• Invited
• Disabled

7.2 Create a new user

To create new users:

• Click Teams or Users

• Click Add a new user
• Provide the required information

Users receive an email inviting them to the platform. After creating their login
credentials, they are asked to accept the Terms & Conditions and Privacy Policy.

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If a director is invited to a registered company that previously ran KYB, they will need
to go through the KYC compliance process.
For any other company type, the onboarded user doesn't need to go through KYC.

User types for businesses

Business users can choose from the following user roles:

Director: By creating directors, you are granting these users access to all the
functionalities, including:

• Expense management
• Business current account
• Making a payment
• All company card management
• Team management*

When you create a new director, we run another compliance check on your company,
which could change your access to our services.

Manager: By creating managers, you are granting these users access to certain
functionalities, including access to:

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 • Company expenses
• Business current account management
• Own company card management
• Team management

These users cannot perform the following on behalf of other users:

• Issue payments
• Issue cards
• Manage access

These users are not required to undergo the identity verification process before
being granted access to TOQIO.

Employee: By creating employees, you are granting these users access to a reduced
number of functionalities, including:

• Own expense management. Create expenses and be informed about their expense
management status.
• Own company card management.
• Profile management. Edit their personal details.
• Accountant. Accountants are external providers who have reading access to your
company data.

They can also manage functionalities such as mapping categories in your third-party
integrations.

User types for consumers

Consumer users can choose from the following user types:

Account owner: By creating an Account Owner beneficiaries, you are granting these
users access to all functionalities, including:

• Bank current account

• Ordering payments
• Card management
• Managing people with access

Cardholder: By creating Cardholders you are granting these users access to a

reduced number of functionalities, including:

• Seeing their own transactions

• Editing their cards
• Editing personal details

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 • Managing people with access:

BENEFICIAR

SUPERCUST
CUSTOMER
ACCOUNTA
EMPLOYEE

MANAGER
DIRECTOR

_ADMIN
OWNER

ADMIN
OMER
NT
Y
VIEW MY
X X X X
CARDS

VIEW
COMPANY X X X X
CARDS

ISSUE
COMPANY X X
CARDS

EDIT
COMPANY X X
CARDS

ADMIN X X X

MANAGE
CUSTOME X X
R

MANAGE
X
EMPLOYEE

VIEW
EMPLOYEE X X X X
LIST

VIEW
COMPANY X X X X
ACCOUNTS

EDIT
COMPANY X X
SETTINGS

ISSUE
X X
TRANSFER

36
 BENEFICIAR

SUPERCUST
CUSTOMER
ACCOUNTA
EMPLOYEE

MANAGER
DIRECTOR

_ADMIN
OWNER

ADMIN
OMER
NT
Y
ISSUE
X X
PAYMENT

CAN
CREATE X X
PAYEE

CAN
CREATE X X X
EXPENSE

MANAGE
X X
EXPENSES

VIEW
COMPANY X X X
EXPENSES

VIEW
COMPANY X X X X
EXPENSES

VIEW MY
X X X X
EXPENSES

EDIT
X X X
EXPENSES

MANAGE
THIRD X X X X
PARTIES

7.3 User-profile management

In this section, you can manage personal settings. The following options are
available:

• Personal settings
• Notification settings

37
 • Change security code
• Change password
• Language

To manage their profile, end-users should:

• Click Personal settings

• Choose the configuration they want to see or edit

Personal Settings
In this section, users can:

• Edit personal details, such as phone number and email

• Edit account details, for the payment of expenses
• Edit user details such as user type and advanced payment account

Notification Settings
In this section, users can configure:

• Push notifications
• Email notifications
• Email address

Change Security Code

Users can change their security code. To do this, they must provide their current
security code and enter their new security code twice.

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Change Password
Users can change their passwords. To do this, they must provide their current
password and enter their new password twice.

Language
Users can change the language their web/app front-end is displayed in. Available
languages are English, Spanish, German and Italian.

7.4 Forgotten Password

Users who lose their passwords can request password recovery on the login screen.
To do so:

• Navigate to the login screen

• Click Forgot password
• Provide the required information

39
Users are then sent a 4-digit One Time Password via text message that they need to
have to enter to complete the process.

What happens next? Users enter their new password on the reset password screen –
the same screen requests the OTP (one-time password). Once everything is
submitted, users are redirected to the login screen where they can try to log in again.

40
8.0 Know Your Business
SUGGEST EDITS

8.1 Overview
• Registration: This can be done by the end user or admin.
• Credential Setup
• Know Your Business

8.2 End-User Registration

Registration:
End-User Registration:

Choose your business/organization type

• Registered Business
o Sub Type: Limited Company, Partnership, Charity, PLC
o Roles: Director, Employee, Agent, or other
• Non-Registered Business
o Sub Type: Association, Support Group, Non-Registered Partnership, Not Yet
Registered
• Sole Trader

Personal Details; Name, Email, Mobile, Date of Birth, Personal Address

41
 • Company Details; Company Number, Name, Registered Address, Company
Lookup API:

o Sources: UK Companies House, Credit Safe

o Registered Company Details Returned to form, Directors also captured at this
point.

• Captcha verification

• Client Privacy Policy Acceptance

8.3 Admin Registration

Setup Options:

• Business or Consumer (if you have multiple offerings)

• Regulatory Jurisdiction (if you have multiple jurisdictions)
• Override Compliance Process:
o This will skip the Know Your Business Data Collection

42
 • Provide a business immediate access to an account after the Credential Setup
Process. This should be used either by
a) Existing End Users who have already been through compliance checks, or
b) Clients who are using a different compliance platform to onboard End Users.

Enter business/organisation type: Same options as End User Registration

• User Details
• User Address
• Company Details: Company Lookup API

Create Lead / Invite Lead:

• Once the form is complete, Admin can create the lead, and must then click Invite
Lead on the following page. For bulk lead creation, contact TOQIO.

43
44
8.4 Credential Setup
• End Users are sent an email invitation based on their registration details.

• End Users set their username, password, and security code.

o Strong Password Required – to be confirmed on-screen.
o 4 Digit Security Code

45
• Users are presented with up to 3 sets of Terms & Conditions
o Software
o Bank Account
o Cardholder

46
 • Secure Customer Authentication: Users are sent a one-time password (OTP) via text
message to the mobile number in their registration details.
* Users must enter the OTP, to log in to their account.

8.5 KYB Process

8.6 Know Your Business Data Collection:

Non-Registered Entities & Sole Traders follow the KYC Process.

47
User Profile:

• Details are pre-populated from registration forms.

• Users confirm details and then click Verify Identity
• Users asked to upload an Identity Document using our Automatic ID Detection:
o ID Types: Passport or Government ID

• Users asked to take a dynamic selfie using our Automatic Selfie Capture:
o Two photos are taken to provide a live-ness check.

Business Profile

• Details are pre-populated from registration forms.

• Additional data is manually entered to complete the form.
• Users confirm details and mark as completed.
• Website and Nature of Business

Directors

• Where available, Directors are pre-populated. Users can add or remove directors as
needed.
• Directors are invited onto the platform, where they first complete the Credential
Setup Process.
• Once on the platform, they enter or confirm their personal details and then
click Verify Identity.
• The Director is asked to upload an Identity Document using our Automatic ID
Detection:
o ID Types: Passport or Government ID
• The Director is asked to take a dynamic selfie using our Automatic Selfie Capture:
o Two photos are taken to provide a live-ness check.

48
Shareholders

• Summary: Information is requested for Ultimate Beneficial Owners with greater than
25% ownership. If no owner has 25% ownership, the User is requested to add the
shareholders whose ownership add up to 25%.
• High-Risk Clients: A new requirement has been added to allow TOQIO to set the 25%
variable to any value, per TOQIO Client.

• Supporting Documents: ** Documents must be verified by Admin before being

submitted. This is due to the compliance integration partners' lack of document
verification facilities.
o Proof of Shareholder Structure
o Company Registration and Articles
o Other supporting materials

49
50
9.0 Know Your Customer
9.1 Overview
• Registration: This can be done by the end user or admin.
• Credential Setup
• Know Your Customer

9.2 End User Registration

Registration:

Add Personal Information: Name, Email, Mobile, Date of Birth., Personal Address

• Personal Details

• Captcha verification

• Client Privacy Policy Acceptance

51
9.3 Admin Registration
Setup Options:

• Business or Consumer (if you have multiple offerings)

• Regulatory Jurisdiction (if you have multiple jurisdictions)
• Override Compliance Process:
o This will skip the Know Your Business Data Collection

• Provide a consumer immediate access to an account after the Credential Setup

Process. This should be used either by

52
 a) Existing End Users who have already been through compliance checks
b) Clients who are using a different compliance platform to onboard End Users.

Enter business/organisation type: Same options as End User Registration

• User Details
• User Address
• Personal Details

Create Lead / Invite Lead:

• Once the form is complete, Admin can create the lead, and must then click Invite
Lead on the following page. For bulk lead creation, contact TOQIO.

9.4 Credential Setup Process:

* End Users are sent an email invitation based on their registration details.

• Credential Setup Process:

o End Users are sent an email invitation based on their registration details.
o End Users set their username, password, and security code.
▪ Strong Password Required**, password strength confirmed on-screen.
▪ 4 Digit Security Code

53
Please note that the password and username are case sensitive, therefore we
strongly recommend that users store the details in a safe place to speed up the login
process – if users forget their details, we have to reset them manually.

* Users receive up to 3 sets of Terms & Conditions

* Software

* Bank Account

* Card holder

54
* Secure Customer Authentication: Users receive a one-time password (OTP) via text
message to the mobile number they gave when registering.

* Users must enter the OTP to log in to their account.

9.5 KYC Process

* Know Your Customer Identity Verification:
End Users receive a summary of the Identity Verification Process and click Next.
They are asked to upload an Identity Document using our Automatic ID Detection:
* ID Types: Passport or other Government ID

* Users are asked to take a dynamic selfie using our Automatic Selfie Capture:

* Two photos are taken as a live-ness check.

55