Regulatory Position
Summary for acquirers, partners, and regulators: what Thrive is and is not.
Entity
Thrive DeFi, LLC — State of Delaware, United States. Product: Thrive — crypto market intelligence, journaling, and analytics.
What Thrive is
- Software-as-a-Service (SaaS) market intelligence and trade journaling platform
- Aggregator and presenter of third-party market data and user-provided journal entries
- Technology provider for alerts, analytics, AI-assisted interpretation, and creator marketplace tools
- Referral partner to third-party exchanges (users trade directly on those venues)
What Thrive is not
- Not a broker-dealer — we do not route, match, or execute orders
- Not an exchange or ATS — we do not operate a trading venue or order book
- Not a custodian — we do not hold customer funds or digital assets
- Not an investment adviser — signals and AI outputs are informational, not personalized advice (see Terms §3)
- Not a money transmitter — payments are processed by a licensed payment provider; we do not transmit fiat or crypto on behalf of users
User exchange connections
Optional read-only API keys sync trade history for journaling. We never request withdrawal permissions. Users execute all trades on their chosen exchange. See Exchange Connections.
Sanctions & eligibility
Users must not be located in or ordinarily resident in comprehensively sanctioned jurisdictions. See Terms §2 (OFAC and export compliance).
Marketplace & creator payouts
Paid signal and vault subscriptions use a licensed payment platform. Creators are independent publishers; Thrive is a platform facilitator, not a signal guarantor. See Terms §9 (marketplace) and §9b (AI).
Tax
Consumer subscriptions and digital goods are sold with automatic tax calculation and collection where registered. Thrive does not provide tax advice to users.
Due diligence memo
A detailed regulatory memo for acquirers is available under NDA. Contact legal@thrive.fi with subject "Regulatory DD memo".