跨境企業智能支出管理平台 Cross-Border Enterprise Spend Management Platform

API 虛擬卡發行 API Virtual Card Issuance

通過 API 按需為企業客戶發行受控虛擬卡，支援廣告、雲服務、軟體訂閱及供應商付款等多種場景。 Issue controlled virtual cards on demand for enterprise clients via API, supporting advertising, cloud services, software subscriptions, and vendor payments.

KYC 身份驗證 KYC Identity Verification

與全球領先的身份驗證平台 Sumsub 深度整合，提供自動化企業級 KYC 流程，支援多國身份文件識別與風險評估。 Deeply integrated with Sumsub, a globally leading identity verification platform, to deliver automated enterprise-grade KYC processes with multi-country document recognition and risk assessment.

AML 反洗錢監控 AML Compliance Monitoring

內建反洗錢合規引擎，自動進行交易篩查、制裁名單比對與可疑交易報告，確保每筆交易合規。 Built-in AML compliance engine for automated transaction screening, sanctions list matching, and suspicious activity reporting to ensure every transaction is compliant.

即時交易監控 Real-Time Transaction Monitoring

全天候即時監控所有卡片交易，自動偵測異常消費模式並即時預警，保障資金安全。 24/7 real-time monitoring of all card transactions with automated detection of anomalous spending patterns and instant alerts to safeguard funds.

限額與規則控制 Limit & Rule Controls

靈活設定單筆、每日、每月消費限額，按商戶類別（MCC）、地區、時段等維度設定精細使用規則。 Flexibly set per-transaction, daily, and monthly spending limits, with granular rules by merchant category (MCC), region, and time period.

拒付風控管理 Chargeback Risk Management

完整的拒付預防、偵測與爭議處理機制，有效降低拒付率，保護企業資金安全。 Comprehensive chargeback prevention, detection, and dispute management to effectively reduce chargeback rates and protect enterprise funds.

平台能力 Platform Capabilities

我們的平台提供企業級支出管理所需的完整基礎架構： Our platform provides the complete infrastructure for enterprise-level spend management:

• 多幣種虛擬卡發行 Multi-currency virtual card issuance
• 企業帳戶與子帳戶管理 Enterprise account & sub-account management
• 即時交易通知與 Webhook Real-time transaction notifications & webhooks
• 消費報表與數據分析 Spending reports & data analytics
• API 驅動的自動化流程 API-driven automated workflows

合規合作夥伴 Compliance Partners

我們與全球頂尖的合規科技公司建立戰略合作，確保平台在身份驗證與反洗錢等環節達到國際標準。 We have established strategic partnerships with world-class compliance technology companies to ensure our platform meets international standards in identity verification and anti-money laundering.

KYC 身份驗證流程由 Sumsub 提供技術支持。Sumsub 是全球領先的身份驗證與合規自動化平台，為金融科技、支付及數字資產等行業提供端到端的 KYC/AML 解決方案，支援自動化身份文件識別、人臉驗證與風險評估。 Our KYC identity verification process is powered by Sumsub. Sumsub is a globally leading identity verification and compliance automation platform, providing end-to-end KYC/AML solutions for fintech, payments, and digital asset industries, with automated document verification, facial recognition, and risk assessment.

跨境電商 Cross-Border E-Commerce

為跨境電商企業提供多幣種虛擬卡，用於平台採購、物流支付、供應商結算與海外倉儲費用管理。 Provide multi-currency virtual cards for cross-border e-commerce businesses for platform purchases, logistics payments, vendor settlements, and overseas warehouse fee management.

廣告投放 Ad Buying & Media Buying

為廣告投放團隊批量發行虛擬卡，覆蓋 Google、Meta、TikTok 等主流廣告平台，獨立預算與限額控制。 Issue virtual cards in bulk for ad buying teams, covering major platforms like Google, Meta, and TikTok, with independent budgets and limit controls.

SaaS 訂閱管理 SaaS Subscription Management

集中管理企業的 SaaS 軟體訂閱支出，按團隊或項目分配專屬卡片，避免超支與未授權訂閱。 Centrally manage enterprise SaaS subscription spend, assign dedicated cards by team or project, and prevent overspending and unauthorized subscriptions.

雲服務採購 Cloud Service Procurement

為 AWS、Google Cloud、Azure 等雲服務支出提供獨立卡片與限額控制，精準管理雲端成本。 Provide dedicated cards with limit controls for cloud service spending on AWS, Google Cloud, Azure, and more for precise cloud cost management.

供應商付款 Vendor Payments

安全高效地向全球供應商發起付款，支援一次性或定期付款卡片，簡化跨境付款流程。 Securely and efficiently pay global vendors with support for one-time or recurring payment cards, simplifying cross-border payment workflows.

數字服務企業 Digital Service Businesses

為數字營銷、遊戲發行、跨境服務等企業提供靈活的支出管理工具與合規支持。 Provide flexible spend management tools and compliance support for digital marketing, game publishing, and cross-border service businesses.

KYC 合規驗證 KYC Compliance

與 Sumsub 深度整合，為每一位企業客戶提供自動化、高效的 KYC 身份驗證，支援全球多國身份文件識別、人臉驗證與風險評分。 Deeply integrated with Sumsub to provide automated, efficient KYC identity verification for every enterprise client, supporting global multi-country document recognition, facial verification, and risk scoring.

AML 反洗錢 Anti-Money Laundering

完善的反洗錢合規架構，包含交易篩查、制裁名單即時比對、可疑活動監控與報告，符合國際監管要求。 Comprehensive AML compliance framework including transaction screening, real-time sanctions list matching, suspicious activity monitoring and reporting, meeting international regulatory requirements.

監管資訊 Regulatory Information

已在美國財政部 FinCEN 登記為 MSB（Money Services Business），登記號碼 31000329169972，遵循相關法規要求運營。 Registered as a Money Services Business (MSB) with FinCEN, U.S. Department of the Treasury, registration number 31000329169972, operating in compliance with applicable regulations.

備案詳情 Filing Details

• 公司名稱：World Card Ltd Company Name: World Card Ltd
• CIK 編號：0002142196 CIK Number: 0002142196
• 備案類型：Form D / Regulation D 相關備案 Filing Type: Form D / Regulation D Filing
• 備案法案：Securities Act of 1933 Act: Securities Act of 1933
• 生效日期：2026年6月25日 Effective Date: June 25, 2026

合規承諾 Compliance Commitment

World Card Ltd 將持續按照適用法律法規要求，推進合規運營、信息披露及業務發展。 World Card Ltd is committed to maintaining compliant operations, transparent disclosure, and responsible business development.

平台定位 Platform Positioning

專注於跨境企業支出管理，為電商、廣告、SaaS 及數字服務企業提供虛擬卡發行與合規風控服務。 Focused on cross-border enterprise spend management, providing virtual card issuance and compliance risk control for e-commerce, advertising, SaaS, and digital service businesses.

服務範圍 Service Scope

API 虛擬卡發行、KYC 身份驗證、AML 反洗錢、交易監控、限額控制、拒付風控及企業支出分析。 API virtual card issuance, KYC identity verification, AML compliance, transaction monitoring, limit controls, chargeback risk management, and enterprise spend analytics.

監管資訊 Regulatory Information

已在美國財政部 FinCEN 登記為 MSB，登記號碼 31000329169972。已在美國 SEC 相關系統完成證券發行備案，CIK 編號 0002142196。KYC 身份驗證由合規合作夥伴 Sumsub 提供技術支持。 Registered as a Money Services Business with FinCEN, registration number 31000329169972. Securities offering filing completed with U.S. SEC, CIK number 0002142196. KYC identity verification is powered by our compliance partner Sumsub.