# Numina financial document templates

**DRAFT WORKSHEETS — incomplete until actual facts and evidence are supplied and reviewed.**

Prepared September 15, 2026 for SK Consulting LLC / Numina. These templates are not licenses, executed contracts, reserve attestations or customer offers. Do not publish blank or assumed terms to customers or present these worksheets to Play as issued evidence. Complete a separate record for each provider, service and jurisdiction. Mark unavailable information **Not supplied**.

## 1. Provider relationship record

- Financial service:
- Numina contracting legal entity and registered business address:
- Provider's full legal name and registered address:
- Numina's role (direct operator, facilitator, technology supplier, custodian or other):
- Provider's role and permitted activities:
- Service countries/states and excluded jurisdictions:
- Agreement title, document reference, signature parties and effective/expiry dates:
- Services, API/account permissions and customer funds each party controls:
- Subcontractors, downstream providers and permitted disclosures:
- Incident, complaints, reconciliation and termination responsibilities:
- Original signed agreement file and SHA-256 receipt:
- Person who checked this relationship, date and review source:

## 2. Operating authority / exemption evidence record

- Operating legal entity and exact authorized service:
- Issuing authority and public registry URL:
- License/registration number and status shown by the issuer:
- Territorial and activity scope; limitations and conditions:
- Effective, expiry and renewal dates:
- Original issuer document and private receipt:
- If relying on an exemption: specific basis, applicable entity/activity/jurisdictions and qualified review reference:
- For a U.S. crypto exchange/custodial wallet: applicable FinCEN registration and state money-transmission, banking or exemption analysis, matched to the current Play form:
- Independent verification date, verifier and issuer evidence:
- Conflicts, missing coverage and unresolved questions:

Do not infer permission from company incorporation, a website, a wallet address, a treasury balance, a payment processor account or a software signature.

## 3. Loan / loan-facilitation disclosure worksheet

- Lender and facilitator identities and relationship:
- Loan amount minimum/maximum and eligibility:
- Minimum/maximum repayment period and payment schedule:
- Interest method, maximum APR and all mandatory fees:
- Worked example using a stated principal, term, fees, APR, installment schedule and total repayment:
- Optional services or charges, clearly separate from mandatory costs:
- Early repayment, failed payment, late charges and collections:
- Cancellation, disputes, complaints and servicing contacts:
- Personal data required, purpose, consent, sharing, retention and deletion:
- Approved user-facing terms URL, version and acceptance evidence:
- Actual app route and functional test evidence:

Values must come from the actual product terms. Have a qualified reviewer check the example, local requirements and Google's personal-loan restrictions before use.

## 4. Earned-wage advance disclosure worksheet

- Provider, employer/payroll relationship and qualifying earned-wage source:
- Eligibility, advance limits, delivery time and calculation method:
- All fees, subscriptions, expedited charges and optional tips:
- Repayment/deduction authorization, timing and insufficient-funds handling:
- Cancellation, complaints and customer-support process:
- Payroll and identity data flow, consent and prohibited/unnecessary access:
- Product classification and jurisdiction-specific authority review:
- Approved terms URL/version and tested app flow:

## 5. Wallet, custody and token-holder terms worksheet

- Custodian, wallet provider and issuer identities:
- Custodial/non-custodial design and who controls signing keys:
- Supported assets, networks, addresses and units:
- Customer ownership, segregation/safeguarding and insolvency treatment:
- Deposits, transfers, withdrawals, limits, timing and fees:
- Key recovery, account compromise, lost access and dispute process:
- For NUSD: actual issuer obligations, transfer restrictions, redemption rights, reserve method and independent evidence:
- Risks: network failures, liquidity, volatility, depegging and irreversible transfers as applicable:
- Evidence of deployment, role assignment, provider integration and transaction tests:
- Approved holder/custody terms URL, version and customer acceptance:

An internal native balance is not a statement of external deposits, redeemability, insured funds or independent reserves.

## 6. Transfer / exchange disclosure worksheet

- Operator, counterparties, receiving providers and permitted corridors:
- Funding/receiving assets and networks; destination verification:
- Quote, exchange rate, spread, fees, slippage and quote expiry:
- Order acceptance, execution, rejection, reversal and cancellation:
- Expected completion time, limits and failed or delayed transaction handling:
- Custody before/after execution; reconciliation and receipts:
- Refunds, error resolution, complaints and support:
- Approved terms URL/version and repeatable end-to-end test:

## 7. Data and security review worksheet

- Each data field, collection point, purpose and required/optional status:
- Recipient/provider, processing role, onward transfers and region:
- Retention period and justification; deletion method, exceptions and tested result:
- Authentication and customer-record isolation:
- Key management, secret scope/rotation and signing approvals:
- Webhook signature checks, idempotency, retries and reconciliation:
- Financial amount precision, currency/network matching and limits:
- Input validation, dependency review, audit logging and incident response:
- Restore/recovery tests, open findings, owner and remediation date:
- Third-party AI inputs/outputs, consent, limited use and provider retention where applicable:
- Independent report identifier, actual assessment scope and date, if obtained:

## 8. Google Play reviewer walkthrough and release record

- Exact package, AAB version/code, SHA-256 and signing evidence:
- Hosted deployment and matching public disclosures:
- Reusable dedicated login supplied privately through Play Console:
- Own-account records and access to every reviewable workflow without a purchase:
- Scenario, steps, expected outcome, actual result and evidence for each feature:
- Features requiring a prepared example or no-charge review entitlement:
- Financial declaration categories and supporting-document mapping:
- Data safety mapping, 18+ audience, IARC rating and billing classification:
- Closed track, countries, tester opt-in URL and confirmed release status:
- Actual Play-installed device/OS, installation and launch result:
- Unresolved validation errors and responsible owner:

Keep credentials out of this document and public issue comments. A prepared walkthrough or draft release is not a completed review or publication.