WHAT IS TOONIE
Toonie (www.toonieglobal.com) is the App that allows you to transfer money freely and in real time within the community of its users, to which ZeroOne is also a member.
Toonie is created by its partner Quid SA thanks to the services of the London bank The Currency Cloud Limited and the user's Toonie account is technically configured as a sub-account of a "master" account of Quid SA.

HOW TOONIE WORKS
Once you have downloaded the Toonie App on your mobile phone, you complete the registration and go through the KYC procedure (know your customer).
Having obtained the status of "KYC Full", the user has a Toonie account in which he can transfer, by wire transfer, unlimited amounts of funds from his Iban, as if it were a transfer.
Subsequently, the user can transfer the desired amount, from their Toonie to ZeroOne's Toonie.
Similarly, ZeroOne can transfer sums to the user's Toonie, who can then withdraw them by sending them to its own Iban.
All in complete privacy and comfort.

TOONIES IN THE MOBILE PHONE AND IN THE PC
The Toonie App must be downloaded to the mobile phone, both Android and Iphone are supported, at this address:
https://www.toonieglobal.com/downloads?lang=it
By framing the QR code suitable for your phone or by clicking on the Google Play icon for Android or the App Store for Apple, you can download and install.
It is suggested to periodically update the App, to always have the latest Toonie version.
The registration, KYC and funds transfer operations are carried out only from the App on the mobile phone.
Toonie can be accessed via a browser, even from a PC, only to view the transactions made.

SUPPORT: WHO TO WRITE
For any questions or problems of use relating to transfers from the user's Iban to his Toonie account and vice versa, write from your Toonie registration e-mail address to support@toonieglobal.com
Generally you will receive an answer within the next day, while a live chat will be open soon.
To receive support in downloading the ZeroOne purchase or sale transactions from the Toonie App between your Toonie account and the ZeroOne Toonie, the user can write to CFX Quantum support, at the email support@cfxquantum.com

HOW TO REGISTER TO TOONIE
It is recommended, if possible, that the user registers with Toonie using the same e-mail address already used to register in CFX Quantum and ATS.
The Username must be at least 6 characters long, it can contain letters and numbers, but not symbols.
The Password must be at least 8 characters long, it must have at least: an uppercase letter, a lowercase letter, a number and a symbol chosen only among these:% * $? ! & @ (percentage, asterisk, dollar, question mark, exclamation point, ampersand, at sign)
N.B. - Be careful never to type the 'space' key after Username and Password, because it can be read by the system as a character.

KYC TOONIE FOR USER VALIDATION
After registration (a verification code will arrive on the email) and after the first login, click on the circle at the top left with your initials.
Click on the "Complete" button in the "KYC Light" line to remove the limitations - The document files to be uploaded can be in both Jpeg and Pdf format and without weight limits - As proof of residence you can also upload the Residence Certificate * , in the 'Bills' field.
Once the documents have been uploaded, 'Light' (wallet with limitations) and 'Completed' (document upload completed) appear in the KYC field of the Profile - For now, the documents you have uploaded are not visible in your Toonie, they will soon be.
Usually within three days you will receive a notification in the App, indicating the successful completion of the KYC and the status will change from 'Light' to 'Full' and will be able to operate without limitations. - Report to Support if it has been more than three days since all required documents have been uploaded - If information or documents are missing, Toonie will contact you from onboarding@toonieglobal.com
IMPORTANT:
He will not be able to purchase Zeroone if he has not completed all the steps in the CFX Dashboard (signed wallet-indemnity creation - Term and Condition / Form signed and Kyc approved).
Enter the CFX dashboard and make sure everything is confirmed green / complete before proceeding with the transfer to the Toonie Zeroone account.
Payments sent by users who have not completed the complete process required to access Zeroone or who are missing part of these will be credited back to the Toonie account for the amount paid on the same day.

HOW TO TOP UP your Toonie account and WITHDRAW from your Toonie account
Only when the KYC Toonie is approved will it be able to operate without limits on the amount.
TOP UP: Enter Toonie, you will see "Your wallets" at the top if you have no open wallets click on "Open wallet" (+ key), select the currency (Eur), confirm with ok and then he will be back in Home with the Eur wallet with the balance at zero.
Click on zero, a screen will open with "Deposit" and "Withdraw". By clicking on Deposit you will have the bank details to which you can send the first amount from your IBAN, even if co-registered -
ESSENTIAL: In the reason for the transfer, indicate the REFERENCE CODE also known as TOONIE ID which you find in the STORAGE DATA of your Toonie App on your mobile phone (last line at the bottom).
Only the alphanumeric sequence of the Reference must be written in the description and absolutely nothing else. - Send the bank transfer only after you have entered the correct reference. - If you write the reference incorrectly, your credit may be delayed as it must be managed manually by Toonie.
NB: a space is also interpreted as a character.

POSSIBLE REQUESTS FOR INFORMATION FROM CREDIT INSTITUTIONS OR CARD MANAGERS
It should be noted that, in the event of a continuous transfer of large amounts from the user's Iban to his Toonie account, the credit institution or the manager of the card where the Iban resides, may contact the user in order to clarify the nature and motivation of the transfer, to comply with the anti-money laundering legislation.
In this regard, it can be clarified and stated that the transfer is addressed to your sub-account in the Toonie application, which is an App authorized for making payments, which allows you to make purchases and transfers in real time.

HOW TO MAKE A WITHDRAWAL FROM YOUR TOONIES
The user must first create a payment method, indicating their own Iban, even different from the one used previously to top up their Toonie.
The holder of the Toonie account must always coincide with the holder of the Iban.
All physical and online accounts are fine, as long as they are in the same currency as the user's Toonie account, ie EUR.
To withdraw from the Toonie account, simply click the "Withdraw" button on the screen where the total wallet balance appears, then select the payment method created previously and enter the amount.

COSTS OF TRANSFER

For all fund transfers from your Toonie account to your Zero One account and vice versa, CFX does not charge any fees.

In the event of a refund for a payment that does not comply with current procedures, only the cost charged by Toonie for receiving the transaction will be applied in the amount of 3.5%.

Transfers to Toonie may have different costs depending on the sender, while Toonie applies transaction fees which can be found in the Terms and Conditions in the "Legal" section of the menu. The user is advised to check, before the transfer, the commissions applied to their account or card, in order to choose the least expensive method compared to the amount transferred, since these are often commissions calculated as a percentage. Currently the least expensive method still appears to be the SEPA credit transfer.
Toonie and Zeroone are not responsible for charges made by banks or cards deemed excessive by the user, as these are NOT costs applied by Toonie or ZeroOne.