Protocol Version: January 2026

At IBO International (“IBO International,” “the Company,” or “the Firm”), we are committed to maintaining a transparent and efficient capital settlement environment. This Protocol outlines the institutional standards, security measures, and procedural requirements for the disbursement of funds. By engaging with our infrastructure, you acknowledge and agree to the terms of this Settlement Protocol.

1. Account Eligibility for Disbursement

To authorize a disbursement request, the following systemic requirements must be satisfied within the IBO International ecosystem:

• Identity Validation: The account must be fully verified in accordance with current KYC (Know Your Client) and AML (Anti-Money Laundering) compliance mandates.
• Equity Position: The available balance must be positive and not encumbered by active margin requirements or negative equity protections.
• Operational Clearance: Requested assets must be free from existing market obligations, including required collateral or open position margins.
• Threshold Adherence: The request must meet the minimum institutional disbursement threshold as defined by the Firm.

2. The Settlement Execution Cycle

2.1 Request Initiation

Disbursement requests must be submitted through the secure client portal. Participants must specify the exact allocation amount and the designated institutional route for the transfer.

2.2 Processing Latency (Timeline)

We aim to finalize internal review and authorization within 3 business days of submission. The total time for capital arrival depends on the selected infrastructure:

• Electronic Fund Transfers (Wire/SEPA): Typically 3–5 business days following internal authorization.
• Digital Asset Transfers: Generally settled within 24 hours of internal protocol approval.

2.3 Systemic Transaction Costs

Applicable costs vary based on the chosen settlement route and are disclosed prior to final confirmation. Participants are responsible for secondary charges levied by intermediary banks or external payment processors.

3. Authorized Settlement Routes

Available conduits (subject to jurisdictional availability and currency protocols):

• Institutional Wire Transfers (Domestic and International)
• Digital Assets (BTC, ETH, and compliant Stablecoins)
• Qualified Digital Liquidity Providers

4. Capital Thresholds

The minimum disbursement threshold is $50 USD (or currency equivalent). Capital settlements exceeding institutional limits may be subject to enhanced security review or multi-signature authorization prior to release.

5. Security & Compliance Framework

5.1 Documentation Requirements

To ensure the integrity of the settlement, the following may be required for verification:

• Valid government-issued identification.
• Primary residence verification (Utility statement or institutional correspondence).
• Supplementary documentation as required by the Compliance Operations Team.

5.2 Operational Restrictions

IBO International maintains the right to defer or decline disbursement in the event of suspected irregular activity, non-compliance with AML frameworks, or under instruction from regulatory authorities.

5.3 Administrative & Liquidity Adjustments

Applicable management or liquidity-related adjustments accrued during the account tenure must be settled directly and are not eligible for deduction from client-segregated accounts. These figures are calculated based on account tiering and historical performance metrics.

6. Systematic Exceptions

Requests may be paused or returned due to: insufficient unencumbered equity, incomplete verification data, administrative errors, or system-wide technical maintenance. Notification will be issued with instructions for resolution.

7. Currency Neutrality and Conversion

Where settlement requires currency exchange, IBO International utilizes prevailing institutional rates at the moment of execution. Conversion spreads may apply based on the chosen route.

8. Amendments

The Firm may refine this Protocol to align with evolving regulatory standards. Continued utilization of IBO International services constitutes acceptance of the most recent version of this document.

9. Contact the Operations Desk

For inquiries regarding asset disbursement or technical settlement queries, please contact our specialists: