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Zand Bank PJSC is licensed and regulated in the United Arab Emirates by the Central Bank of the UAE (CBUAE) for banking services, the Virtual Assets Regulatory Authority (VARA) for virtual asset custody services, and the Capital Market Authority (CMA) for portfolio management services, each within its respective regulatory scope and authorization. AEDZ is issued by Zand Trust, a wholly owned subsidiary of Zand Bank PJSC, under the applicable CBUAE regulatory framework.