Kava is not a Bank. We are an approved Financial Services Agent for various Financial Institutions, on whose behalf we provide various products and services. As such, Kava has no access whatsoever to your savings and only facilitates the movement of money between you and the Banking partner and focus on making your experience as delightful as possible. We are similarly an agent of numerous other non-financial institutions, such as telcos, billers, ticketing providers and such. Certain products such as certain payment solutions and Kava Loans are provided directly on our own behalf.