About


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Mission


Stones x Wood, Inc. is created 2010 by visionary financial entrepreneurs, Bankiers and Digital Currency Trader from all over the world. Our Story begun in San Diego, San Francisco, Amsterdam. Today, we offer Service with more than +500 Offices Worldwide.


We believe that inclusion, diversity and diplomacy is essential and part of human rights and need to transform the financial services industry with our innovative digital currency bank. By providing free and accessible financial services, secure transactions, and efficient loan and real estate solutions,  SXW will empower individuals, business, banks and governments  to thrive into the digital financial economy.

With a strong business model, robust marketing strategy, and commitment to customer security,  satisfaction and individual realtinshop, we , SXW iwants to become a leader in the fintech and financial space.



STONES X WOOD LEGAL DISCLOSURES

 

Last updated: JAN 1, 2025

 

PLEASE READ THESE LEGAL DISCLOSURES CAREFULLY. BY ACCESSING OR USING THE SERVICES, YOU AGREE TO BE LEGALLY BOUND BY THESE DISCLOSURES. "STONES X WOOD" IS EQUAL TO "SXW".

 

 DIGITAL ASSET X MANAGEMENT 


The term “digital asset(s)” does not refer to any legal or regulatory category under any national framework. The value of digital assets can be volatile and there can be a substantial risk that you lose money buying, selling, holding, or investing in digital assets. Each digital asset has unique features and you should research and understand an asset before you invest, buy or trade. SXW is not an affiliate of the project teams of digital assets listed on Kraken’s platforms.

 

FINANCIAL AND INVESTMENT ADVICE


SXW provides personal and special digital banking and financial service, solutions and Consulting for private, business and institutional clients from all over the world. We just do give personal financial advice. Not financial advice : Homeopages, Wedspaces, Media, The information about Finances, Digital Assets and any combination with physical or digital assets like Real Estates or NFT or Marketing on any SXW websites (including www.s-x-w..com(...)  and blog.sxw..com), the SXW Exchange, SXW E-Mail  or any other communications is for general information purposes only. SXW does not provide investment, tax, or official legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance.


The information should not be construed as a recommendation or solicitation to buy, sell, stake, or hold any digital asset or to open an account or engage in any specific asset trading or investment strategy. You should consult your financial advisor, or legal or tax professional regarding your specific situation and financial condition and carefully consider whether trading, staking, or holding digital assets is suitable for you. Otherwise please contact us for your individual Customer Boarding Process via:


www.stones-wood.com

boarding@stones-wood.com


 XXX

Kraken Ventures. Kraken holds tokens on its balance sheet for operational purposes or other reasons. Kraken Ventures, in which Kraken is a limited partner, is an investor in certain tokens. Kraken may therefore benefit from listing certain tokens on the platform. However, Kraken Ventures may be subject to a contractual lock-up for a period of time after its investment during which it cannot sell the tokens. All tokens, regardless of whether held by Kraken or Kraken Ventures, are subject to the same strict review process and guidelines in determining whether to make them available to trade on Kraken. 

 

No Insurance. Digital assets and Kraken accounts are not covered by insurance against losses.  They are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections in the United States or the protections of any comparable organization anywhere in the world.

FURTHER DISCLOSURES RELATED TO LICENSES

 

DISCLOSURE FOR CLIENTS IN THE UNITED KINGDOM 
Payward Limited, doing business as Kraken, is registered with the Financial Conduct Authority (FCA) in the United Kingdom as a cryptoasset business with effect from 22 November 2021 under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, amended (MLRs) subject to conditions.


The digital asset exchange and custody services are provided to you by Kraken as a registered cryptoasset business in the United Kingdom. However, as most cryptoassets are not specified investments under the Financial Services and Markets Act 2000 (FSMA), you will not be protected by the Financial Ombudsman Service or the Financial Services Compensation Scheme and you will have no recourse to the above-mentioned services in the event of a complaint relating to Kraken.

 

DISCLOSURE FOR CLIENTS SXW
Virtual Assets can be volatile and may not be suitable for everyone. Please ensure you fully understand the risks involved. Payward MENA Holding Limited does not issue advice, make recommendations or opinions in relation to acquiring, holding or disposing of Virtual Assets. Payward MENA Holding Limited is not a financial advisor and all services are provided on an execution only basis. Payward MENA Holding Limited is a company registered at Unit 1, Floor 7, Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi, UAE, and is authorized and regulated by the Financial Services Regulatory Authority (Financial Services Permission Number 190008)  under the laws of Abu Dhabi Global Market.

US LICENSES, REGISTRATIONS, AND REGULATORY DISCLOSURES

Payward Interactive, Inc. is registered as a Money Services Business with the Financial Crimes Enforcement Network (“FinCEN”), which is a bureau of the U.S. Department of the Treasury. The FinCEN registration number for Payward Interactive, Inc. is 31000270997766.


Payward Interactive, Inc. also holds licenses in the following U.S. jurisdictions. Additional information on certain state-level licenses may be obtained by accessing the Nationwide Multistate Licensing System (NMLS) Consumer Access website and referencing NMLS ID 1843762.

Jurisdiction

License

State Agency

Alabama

Money Transmitter License

801

 

Alabama Securities Commission

445 Dexter Avenue, Suite 12000

Montgomery, AL 36104

Alaska

Money Transmitter License

AKMT-012345

View Disclosure

Alaska Department of Commerce, Community, and Economic Development Division of Banking & Securities

550 W 7th AVE, STE 1850

Anchorage, AK 99501

Arizona

Money Transmitter License

1043047

View Disclosure

Arizona Department of Insurance & Financial Institutions

100 North 15th Avenue, Suite 261

Phoenix, AZ 85007-2630

Arkansas

Money Transmitter License 

117195

View Disclosure

Arkansas Securities Department

1 Commerce Way, Suite 402

Little Rock, AR 72202

Connecticut

Money Transmitter License 

MT-1843762

 

Connecticut Department of Banking

260 Constitution Plaza

Hartford, CT 06103-1800

Delaware

Check Seller

Money Transmitter License 027903

 

Delaware Office of the State Bank Commissioner

1110 Forrest Avenue

Dover, DE 19904

District of Columbia

Money Transmitter License

MTR1843762

View Disclosure

District of Columbia Department of Insurance, Securities and Banking Bureau

1050 First St NE #801

Washington, DC 20002

Florida

Money Transmitter License

MTR1843762

View Disclosure

Florida Office of Financial Regulation

101 E. Gaines Street

Tallahassee, FL 32399

Georgia

Money Transmitter License

66683

View Disclosure

Department of Banking and Finance

2990 Brandywine Road, Suite 200

Atlanta, GA 30341

Idaho

Money Transmitters

MTL-0235

 

Idaho Department of Finance

P.O. Box 83720

Boise, ID 83720-0031

Illinois

Money Transmitter License

MT.0000362

View Disclosure

Illinois Department of Financial and Professional Regulation

555 West Monroe St., 8th Floor

Chicago, IL 60661

Iowa

Money Services License

2019-0056

 

Iowa Division of Banking

200 E. Grand Avenue, Suite 300

Des Moines, IA 50309

Kansas

Money Transmitter License

MT.0000166

View Disclosure

Kansas Office of the State Bank Commissioner 

700 SW Jackson St., Suite 300

Topeka, KS 66603

Kentucky

Money Transmitter License
SC857951

Department of Financial Institutions
500 Mero Street 2 SW19
Frankfort, Kentucky 40601

Louisiana

Virtual Currency Business Activity License

View Disclosure

Louisiana Office of Financial Institutions

Post Office Box 94095

Baton Rouge, LA 70809

Maryland

Money Transmitter License

1843762

View Disclosure

Maryland Commissioner of Financial Regulation

Attention: Licensing Unit 

500 North Calvert Street, Suite 402

Baltimore, Maryland 21202

Michigan

Money Transmitter License 

MT0022200

 

Michigan Department of Insurance and Financial Services

Consumer Finance Section

530 W. Allegan Street, 7th Floor

Lansing, MI 48933

Minnesota

Money Transmitter License

MN-MT-1843762

View Disclosure

Minnesota Department of Commerce

85 7th Place East, Suite 280,

Saint Paul, MN 55101

Mississippi

Money Transmitter License  

1843762

View Disclosure

Mississippi Department of Banking and Consumer Finance

Post Office Box 12129

Jackson, MS 39236

Nebraska

Money Transmitter License

 

Nebraska Department of Banking and Finance

1526 K St #300

PO Box 95006

Lincoln, NE 68508

Nevada

Money Transmitter License

MT11156

View Disclosure

Financial Institutions Division, Department of Business & Industry

3300 W. Sahara Ave, Suite 250

Las Vegas, NV 89102

New Hampshire

Money Transmitter License

23135-MT

New Hampshire Banking Department 

53 Regional Drive Suite 200

Concord, NH 03301

New Jersey

Money Transmitter License

L072460

New Jersey Department of Banking & Insurance

PO Box 473 

Trenton, NJ 08625

New Mexico

Money Transmission License

New Mexico Financial Institutions Division

Money Services Business Unit

2550 Cerrillos Road 

P.O. Box 25101

Santa Fe, NM 87505

North Carolina

Money Transmitter License

184933

North Carolina Office of the Commissioner of Banks

316 W. Edenton Street

Raleigh, NC 27603

North Dakota

Money Transmitter License 

MT104743

View Disclosure

North Dakota Department of Financial Institutions  

1200 Memorial Highway

Bismark, ND 58504

Ohio

Money Transmitter License Number 

OHMT186

 

Ohio Division of Financial Institutions

77 South High Street, 21st Floor

Columbus, OH 43215-6120

Oklahoma

Money Transmission License

OKDOB001

 

Oklahoma Banking Department 

2900 North Lincoln Boulevard 

Oklahoma City, OK 73105

Oregon

Money Transmitter License

30242

Oregon Division of Financial Regulation Licensing Section 350 Winter St., NE, Suite 410 

Salem, OR 97301

Puerto Rico

Money Transmitter License

TM-131

Office of the Commissioner of Financial Institutions

Regulation and Licensing Division

1492 Ave. Ponce De León Suite 600,

Centro Europa Building

San Juan, PR 00907

Rhode Island

Currency Transmitter

20204040CT

 

Rhode Island Department of Business Regulation 

1511 Pontiac Avenue

Cranston, RI 02920

South Carolina

Money Transmitter License

South Carolina Office of the Attorney General

Money Services Division of Banking

1000 Assembly Street, Room 519

Columbia, SC 29201

South Dakota

Money Transmitter License

1843762.MT

 

South Dakota Division of Banking

1714 Lincoln Ave., Suite 2 

Pierre, SD 57501

Tennessee

Money Transmitter License

1843762

View Disclosure

North Dakota Department of Financial Institutions  

1200 Memorial Highway

Bismark, ND 58504

Texas

Money Transmitter License

3202

View Disclosure

Texas Department of Banking

2601 North Lamar Boulevard

Austin, TX 78705

Vermont

Money Transmitter

100-157

View Disclosure

Vermont Department of Financial Regulation

89 Main Street

Montpelier, VT 05620-3101

Virginia

Money Order Seller and Money Transmitter License

MO-394

View Disclosure

Virginia Bureau of Financial Institutions

1300 East Main Street, Suite 800 

Richmond, VA 23219

Washington

Money Transmitter (includes Currency Exchange)

550-MT-118785

View Disclosure

State of Washington Department of Financial Institutions 

Division of Consumer Services 

150 Israel Road, S.W. 

Tumwater, WA 98501

Mailing Address:

P.O. Box 41200 

Olympia, WA 98504-1200

Wisconsin

Seller of Checks

202-SOC

View Disclosure

Wisconsin Department of Financial Institutions

4822 Madison Yards Way 

Madison, WI 53705

U.S. Money Transmitter Disclosures

Alaska

For Alaska Residents Only:

If your issue is unresolved by Payward Interactive, Inc., 1-888-837-8818, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: 

https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Submit formal complaint form with supporting documents:

Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at

dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One

Arizona

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may

complete an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page.

AZ e-Licensing Portal for filing a complaint
AZDFI Consumer Complaint Portal: https://elicense.az.gov/ARDC_FileComplaint

Arkansas

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file the completed complaint form by e-mailing ASDInfo@securities.arkansas.gov or by mailing at:

1 Commerce Way, Suite 402 

Little Rock, Arkansas 72202 

Telephone: (501) 324-9260 

Facsimile: (501) 324-9268 
For additional information please refer to the How To File A Complaint page for the Arkansas Securities Department.

District of Columbia

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Department at:

District of Columbia Department of Insurance, Securities and Banking

1050 First St., NE, Suite 801

Washington, DC 20002

Phone: (202) 727-8000

Fax: (202) 354-1085

E-mail: disbcomplaints@dc.gov

Consumer Complaint Form Mail-in Version

Florida

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at:

Online: 

https://flofr.gov/sitePages/FileAComplaint.htm. To file your complaint, you will need to register electronically through Online Services. A valid email address is required.

Or 

By mail: 

Florida Office of Financial Regulation - Consumer Finance 

200 E. Gaines Street, Tallahassee, FL 32399-0376

Telephone: (850) 487-9687

Georgia

Licensed by The Georgia Department of Banking and Finance. (Lic. # 66683/ NMLS# 1843762).

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc. money transmission activity, you may contact the Georgia Department of Banking and Finance - Consumer Resources at (770) 986-1633.

For more information please refer to https://consumer.georgia.gov/resolve-your-dispute/how-do-i-file-complaint. To file a complaint with the regulators, you may securely do so with the Consumer Financial Protection Bureau, an agency of the federal government, at http://www.consumerfinance.gov/complaint/ or by telephone at (855) 411-2372.

Illinois

Illinois Division of Banking
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it online with the Illinois Division of Banking at https://idfpr.illinois.gov/admin/banks/dobcomplaints.html.

Kansas

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Office of the State Bank Commissioner. 

1) Complete consumer assistance PDF form 

English: https://www.osbckansas.org/consumer_files/complaintform.pdf

Spanish: https://www.osbckansas.org/consumer_files/spanish_complaintform.pdf

2) Mail or fax the completed consumer assistance form and attachments to: 

Kansas Office of the State Bank Commissioner 

Attn: Consumer Affairs 

700 SW Jackson St, Suite 300 

Topeka, KS 66603 

Fax: (785) 371-1229 

Email: complaints@osbckansas.org

If submitting electronically, submit your complaint here: https://www.osbckansas.org/consumers/file-a-complaint/

KS e-Licensing Portal for filing a complaint 

KS State Bank Commissioner of Kansas Complaint Portal: https://www.osbckansas.org/consumers/file-a-complaint/

Louisiana

If you have a complaint, please contact Payward Ventures, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Office of Financial Institutions.

All complaints must be submitted in writing. To file a complaint, please complete the complaint form and send to OFI (http://www.ofi.state.la.us/) by mail, email, or fax. 

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States and is not backed by the United States government. Payward Interactive, Inc. is not a bank or depository institution insured by the Federal Deposit Insurance Corporation and virtual currency is not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the value of virtual currency.

Transactions in virtual currency may be irreversible, and accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.

Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.

Customers should perform research before purchasing or investing in virtual currency.

Maryland

If you have experienced any problems or difficulties with your transaction(s), please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file a complaint by contacting the Maryland Department of Labor.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Payward Interactive, Inc. NMLS ID: 1843762 by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, MD 21202, or (888) 784-0136.

Minnesota

To make a complaint, please make a call contacting the following:

Minnesota Department of Commerce

85 8th Place East, Suite 208

Saint Paul, MN 55101

(Local) 651-539-1500

(Complaints) 651-539-1600

MN e-Licensing Portal for filing a complaint:

MN Department of Commerce’s complaint page:

https://mn.gov/commerce/consumer/file-a-complaint/

Mississippi

The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding Payward Ventures, Inc.’s money transmission activity, you may file your complaint online at https://dbcf.ms.gov/complaint-form/

MS e-Licensing Portal for filing a complaint: 

MS Banking & Consumer Finance complaint page: https://dbcf.ms.gov/complaint-form/

Nevada

Virtual Currency Disclosure

Payward Interactive, Inc is licensed by the Nevada Department of Business and Industry as a money transmitter. At this time, the Nevada Department of Business and Industry does not license or regulate services related to virtual currency, including but not limited to virtual currency transmission or exchange which may be conducted by Payward Interactive, Inc.

Nevada Consumers

If your account has a Nevada mailing address, we are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from Payward Interactive, Inc. and wish to be added to Do Not Call List, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have further questions and need additional information, you can contact the Bureau of Consumer Protection, Office of the Nevada Attorney General at:

Grant Sawyer Building, 555 E. Washington Avenue, Suite 3900, Las Vegas, NV 89101

Telephone: 702-486-3420

Fax: 702-486-3768

Attorney General’s Bureau of Consumer Protection Hotline: 702-486-3132

email: Aginfo@ag.nv.gov

North Dakota

If your account has a North Dakota mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows, or you provide authorization. Written authorizations from North Dakota consumers may be delivered to us at the email or mailing address below and must contain your name, address, signature and your consent. You may revoke your consent at any time by calling us at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us, or by writing at the addresses below: 

Payward Interactive, Inc.

106 E. Lincolnway, 4th Floor

Cheyenne, WY 82001

Tennessee

Payward Interactive, Inc. is licensed by the Tennessee Department of Financial Institutions as a money transmitter.

Virtual Currency Disclosure

The Tennessee Department of Financial Institutions does not regulate virtual currency. Tennessee’s Money Transmitter License and the required surety bond do not cover the transmission of virtual currency. However, any company that offers to exchange, administer, or maintain virtual currencies for sovereign currency may be subject to state regulation and licensing as well as federal regulation. To verify a licensed Tennessee Money Transmitter, please click HERE or visit the NMLS Consumer Access website HERE.

Texas

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, please direct your complaint to: 

Texas Department of Banking 

2601 N. Lamar Blvd. 

Austin, Texas 78705-4294 

Toll Free: (877) 276-5554 

E-Mail: msb@dob.texas.gov

Fax #: (512) 475-1288 

TX e-Licensing Portal for filing a complaint: 

Texas Department of Banking complaint page:  https://www.dob.texas.gov/money-services-businesses/how-file-complaint

Vermont

If your account has a Vermont mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows, or you provide authorization. Written authorizations from Vermont consumers may be delivered to us at the email or mailing address below and must contain your name, address, signature and your consent. You may revoke your consent at any time by calling us at 1-888-837-8818, or emailing us at https://support.kraken.com/hc/en-us, or by writing at the addresses below: 

Payward Interactive, Inc.

106 E. Lincolnway, 4th Floor

Cheyenne, WY 82001

Virginia

Virtual Currency Disclosure

Payward Interactive, Inc. is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of virtual currency (Bitcoin).

Washington

Washington Division of Consumer Services

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it online with the State of Washington Department of Financial Institutions at https://dfi.wa.gov/consumers/money-services-complaint.

Wisconsin

If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Wisconsin Department of Financial Institutions online.

WI e-Licensing Portal for filing a complaint: Wisconsin Department of Financial Institutions

Complaint Portal: https://www.wdfi.org/contact_us/ComplaintDefault.htm

Virtual Currency Disclosure

The Wisconsin Seller of Checks law does not regulate virtual currency. Therefore, such transmissions are not covered under the Wisconsin license.


Board of Management


Sebastian Waliczak FINANCE

Roman Hisch REAL ESTATE

MEDIA



Upcoming exhibit

Art Gallery

11th - 14th September 2022

09:00 - 18:00


Paragraphs are the main building blocks of web pages. To change what this one says, just double-click here or hit Edit text. You can change the style here, too.