WV FinTech Regulatory Sandbox
HB 4621 · W.Va. Code §31A-8G-1
Zentru participates in the West Virginia FinTech Regulatory Sandbox Program. The Sandbox grants a 24-month testing window during which qualifying entities may offer innovative financial products without full traditional licensure, subject to consumer-protection conditions set by the WV Division of Financial Institutions.
Sandbox participation is not a charter, license, or endorsement. It does not make Zentru a bank, trustcompany, broker-dealer, investment adviser, or money services business. Funds held inside Zentru workflows are not insured by the FDIC, NCUA, or SIPC.
In scope of the test
- Template-driven WV §44D irrevocable community trust drafting
- 2-of-3 Stellar multisig governance with master key disabled
- Hash-chained audit anchoring of trust operations
- Attorney-reviewer workflow before any trust is marked Active
Explicitly out of scope
- Investment advice or asset recommendations
- Tax advice; we surface frameworks, not opinions
- Legal advice; templates require licensed attorney sign-off
- Custody of fiat Private Ledger Credits
Trust signal — but read carefully
Sandbox status lets us iterate on novel infrastructure inside a supervised perimeter. It does not substitute for the permanent licensure work tracked in our safeguards disclosures.
Questions about sandbox scope: legal@zentru.example. The authoritative source is the WV Division of Financial Institutions.