LOVE Coin is an open-source utility token on the Stellar and Solana networks, powering a Web3 fintech ecosystem with SAFE Wallet, payments, staking, marketplace, and AI — operated by Wise World 2012 Limited (Hong Kong).

Is LOVE Coin a security or investment?

No. LOVE Coin is a utility token used for in-ecosystem payments, tips, rewards, and service access. It is not a security, e-money, investment contract, or guaranteed-return scheme. Token value is volatile and may decline.

Where can I buy LOVE Coin?

You can acquire LOVE on the internal CEX inside the LOVE Coin dashboard, on external Stellar and Solana DEXes, or through supported fiat on-ramp partners. Always verify the official issuer address before trading.

SAFE Wallet is the non-custodial LOVE wallet — private keys are held only by the user. It supports LOVE, USDLove, and multi-chain assets across Stellar and Solana.

How does LOVE Coin staking work?

Staking offers 5–25% APY based on lock period (30–365 days). Rates are variable and not guaranteed — they depend on platform performance and trading volume, not fixed investment yield.

Public regulatory posture

Regulatory Posture

Last updated: May 17, 2026

This page exists so that our legal and regulatory posture is publicly accessible — to users, partners, researchers, and supervisory authorities. We believe transparency is not a burden, it is a competitive advantage.

Operator

Wise World 2012 Limited — Hong Kong SAR
Company registration number: CR 59197945
Director and owner: Miha Štefe

Wise World 2012 Limited is the operating entity for all products in the LOVE Coin ecosystem: LOVE Flow Exchange, LOVE OS, LOVE Pay, LOVE Card, LOVE Browser, LOVE Mail, LOVE Forge and related services.

What we ARE

• Closed-loop utility token ecosystem (LOVE)
• Technology provider (software-as-a-service)
• Self-custody peer-to-peer infrastructure
• Operating under HK SAR jurisdiction
• Crypto-only payout to users

What we are NOT

• We are not a licensed bank
• We are not an insurance carrier (LOVE Shield = community safety net)
• We are not a money transmitter — we do not send fiat to users
• We are not a licensed investment advisor
• We are not a custodian of third-party assets without explicit user opt-in

Architecture

Hybrid setup with a clear self-custody foundation:

• SAFE Wallet — user holds own keys (non-custodial).
• LOVE Flow DEX — Stellar-anchored on-chain matching.
• Internal ledger (CEX layer) — for fast UX inside the ecosystem, fully auditable.
• LOVE L1 (in development) — own settlement layer.

Important disclosure

• Any "APY" or "yield" mentioned inside the ecosystem is a network reward share — not a bank interest rate and not an insured deposit. See Yield Disclosure.
• LOVE Shield is not regulated insurance. It is an opt-in community safety net funded by the ecosystem. Payouts are not guaranteed by any state scheme.
• LOVE tokens are utility tokens and are not securities under our reading of Howey/equivalent tests. See Decentralization Score.

Contact for regulators and supervisory authorities

If you are a regulator, supervisory authority, law enforcement representative, or a legal entity with a formal request, please write directly to:

legal@lovecoin.life

We respond within 5 business days. For urgent matters (AML, court orders) within 48 hours.

Terms & Conditions Yield Disclosure Decentralization Score Legal Changelog