Guardarian: quoted exchanges, business limits and regional providers

Guardarian’s retail site advertises more than 1,000 cryptocurrencies, whereas its business-exchange page describes a smaller catalogue. These are product-range statements, not comparable measures of trading activity. The reviewed material does not provide an independently verified active-trader count or exchange turnover from which to rank it against the largest centralised venues. A business client should identify the relevant product catalogue before treating the retail total as its own dealing universe.[1][23]

The G-OTC page explains the operating sequence as requesting access, receiving offers and then creating the transaction. It describes personal management and preferential large-transaction terms. It does not publish an order book, fixed spread, execution-size guarantee or uniform institutional tariff. Accordingly, its commercial details belong in the actual offer rather than in a fabricated maker/taker table.[24]

An inclusive estimate and a fixed exchange rate are different promises. The fee guide can say that charges are already included while the rate guide allows the crypto output to move before execution. A useful record therefore includes the calculator estimate, payment time and final settlement quantity. Without those timestamps and amounts, a difference can be wrongly attributed entirely to a hidden fee or entirely to market movement.[4][5]

For a business transaction, the published default size and the individually agreed quote also answer different questions. The permitted size determines whether the order can be accepted; the quote determines what it buys or sells for. A large permitted maximum is not evidence that the displayed small-order exchange rate applies unchanged to that maximum.[9][23]

The public daily-limit discrepancy is material for someone planning a transfer. The smaller help-page number should not silently be replaced by the larger homepage number, and the monthly footnote does not clearly publish a lower unverified baseline. The applicable order limit and verification status therefore remain necessary transaction-specific information. Sending a larger amount first would not settle that uncertainty.[1][8]

Retail funding must originate from the customer’s own personal card or payment account, according to the customer-support article. That rule should not be applied indiscriminately to the separately onboarded business product, which has its own corporate process. An employee’s personal checkout and a company’s treasury transaction are different customer relationships even when the commercial purpose looks similar.[21][23]

The refund wording also distinguishes a failed exchange from a compliance hold. A suspicion review can delay release of assets, and the current terms allow network costs to reduce a crypto refund. For a bank refund, an issued refund and the receiving bank’s credit are separate events. The transaction reference, original funding evidence and refund reference are therefore more useful for escalation than the homepage’s normal transaction-speed claim.[2][15][19]

The standard exchange service is presented as non-custodial and delivers the purchased asset to a destination wallet. That reduces the need to leave an ongoing trading balance in the exchange interface, but the payment and transfer still have to complete. Non-custodial delivery does not mean a transaction cannot be held for verification, sent to the wrong address or delayed in a network.[3][17][18][27]

G-Custody advertises cold storage, transfers and asset management through a business API. Its public product page does not establish the detailed custody agreement, named subcustodian, segregation treatment, client claims on insolvency or a quantified insurance policy. Those questions cannot be answered by importing the ordinary checkout’s non-custodial description. The service is therefore discussed as a separate business proposition, outside the detailed consumer conversion scope of this profile.[25]

Guardarian’s account-free wording concerns the purchase interface rather than anonymity. The optional Personal Cabinet authenticates through the email used on earlier orders and displays transaction history. The verification process separately uses identity information and liveness checks. Those credentials need continued access if an order is disputed or a later record is required.[11][20]

Guardarian’s AML policy describes customer checks, ongoing monitoring, risk assessment and sanctions screening. Those controls can affect an existing customer as well as a first purchase. Prior successful use is not a promise that a new payment, larger amount or different wallet will clear automatically. Business source-of-funds and source-of-wealth information serves a different purpose from merely demonstrating that a payment card works.[27][9]

A transaction URL is supplied during the exchange so the customer can follow progress and identify the next step. The sending-phase guide advises contacting support if processing continues beyond an hour. A support enquiry should identify the transaction number and current stage, rather than submitting a new payment in an attempt to make the first one complete. No published telephone dealing facility or guaranteed outage response time was established in the reviewed contact material.[19][18][3]

Personal Cabinet gives retail customers access to past order details using the same email address. Business clients have a separate partner cabinet containing invoices and exchange history. This distinction matters for reconciliation: an accounting team should use the company’s business record, while an individual order belongs to the email identity used for that purchase. Neither record is, by itself, a complete tax result for assets subsequently moved or sold elsewhere.[11][22]

The practical permission question is which company supplies the particular service in the customer’s location. An AML registration, a corporate registration and a crypto-service authorisation answer different questions. This profile does not promote the Canadian MSB claim into approval of all investment services, nor the Czech company identity into a verified EU-wide crypto licence. The current third-party structure is a material part of the product description.[3][2]

The July 2026 FinSeven notice says customer relationships and technical infrastructure were transferred from Guardance UAB in Lithuania to FinSeven CZ. It tells affected customers that account status and access remain unchanged and names the new data controller. It also says the former entity may retain records required for legal obligations. Brand continuity therefore does not mean that every historical privacy or contractual reference still identifies the current operator.[13]

A separate July notice describes a transfer of business operations and customer relationships to GRNTech Solution in Canada, including verification information, order history and communications. These notices concern their respective affected relationships; they should not be collapsed into a claim that every customer moved to one single company. The provider and data-controller information on the current customer route remains consequential.[12]

Operator

FinSeven CZ s.r.o. and GRNTech Solution Inc.; EU/EEA crypto services use third-party licensed providers

Exchange model

Centralised

Service scope

Quoted fiat/crypto buying and selling, crypto swaps, and separately arranged business/OTC transactions. This profile does not treat the general checkout as an order-book venue.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Retail calculator includes Guardarian exchange charges in the estimate; the rate can move before conversion. Business and OTC terms depend on the agreed route.

Funding scope

Eligible cards, SEPA/SEPA Instant, payment-wallet and other displayed methods; bank and crypto payout depend on route.

Custody and asset handling

Ordinary exchange and B2B conversion are described as non-custodial. G-Custody is a separate business proposition whose client contract and protection terms were not established.

Client eligibility

Country, payment, verification and service-provider restrictions apply. The EU/EEA route depends on the third-party provider presented before the transaction.

Support

Official support email, Freshdesk ticket and transaction tracking; business account management is separately described. No emergency dealing hotline established.

Authorisation and registration scope

Current terms identify a Czech company and a Canadian company claiming FINTRAC MSB registration. EU/EEA crypto execution is assigned to third-party licensed providers; this profile does not verify a Guardarian-branded MiCA authorisation.

Exchange metadata checked 21 Oct 2026Source 1Source 2Source 3Source 12Source 13Source 4Source 6Source 23

Guardarian publishes API documentation and a partner integration proposition. A business embedding the checkout should preserve the transaction reference and the provider information presented to its customer. A branded entry screen does not eliminate the underlying exchange relationship, and changing a website integration should not make completed orders impossible to reconcile with invoices or blockchain transfers.[26][22][19]

The Personal Cabinet is optional for placing new retail transactions, but it is useful for retrieving older order details. Losing access to the email used for those transactions is therefore different from losing the keys to a self-custody wallet: one affects records and authentication, while the other affects control of the coins. The public material reviewed does not state a uniform recovery waiting period, so this profile does not invent a standard post-recovery withdrawal hold.[11][20]

For larger business flows, the published €250,000 default is a starting parameter, not a promise of unlimited volume. The business article links further volume to sufficient source-of-funds and source-of-wealth evidence. That distinction should remain in internal payment planning and any customer-facing description of the service. It also explains why a retail card rule, a business exchange limit and an OTC offer should remain separate records.[9][21][24]