Important Notice

Dream Finance UAB (Lithuania) has temporarily suspended the provision of all crypto-asset related services, including onboarding of new clients, execution of transactions, and conclusion of new agreements.

During this period, the company does not offer, market, or provide any services described on this website. Any product descriptions or references are provided for informational and historical purposes only and shall not be interpreted as an offer, solicitation, or availability of services.
This website is maintained solely to provide mandatory legal information, regulatory disclosures, and contact details for former clients, counterparties, and competent authorities.

For inquiries related to existing contractual obligations, outstanding matters, or regulatory questions, please contact us at: [email protected].

 

Whistleblowing Policy

Last Updated: December 16, 2025

Our commitment

Dream Finance UAB is committed to integrity, transparency, and compliance with Lithuanian and EU legal standards.

If you observe behaviour that appears illegal, unethical, or improper, you can safely report it through our internal or anonymous channels.

We strictly prohibit any form of retaliation against individuals who report concerns in good faith. Every report is handled confidentially, professionally, and with respect for your rights.

What you can report

We encourage reporting concerns related to:

• Money laundering, terrorist financing, or sanctions violations
• Fraud, corruption, bribery, financial misconduct
• Violations of MiCA, DORA, Transfer of Funds Regulation (TFR), AMLD, DAC8 or other EU regulatory frameworks
• Unethical, abusive, discriminatory, or inappropriate workplace behaviour
• Data protection or cybersecurity breaches
• Violations of internal policies or legal obligations
• Misconduct that harms clients, employees, partners, or the public

If you are unsure – report anyway. We review every submission.

Your protection

We are committed to creating a safe environment where concerns can be reported without fear of retaliation or exposure. If you report a concern in good faith, you are protected under applicable Lithuanian and EU laws.

When you report a concern:

• Your identity is kept confidential.
• You may report anonymously.
• Retaliation, threats, or negative treatment are strictly prohibited.
• Reports are reviewed fairly, objectively and without delay.

Review Process and Timelines

We ensure that every report is assessed fairly, impartially, and without delay.

1. Acknowledgement: We confirm receipt of your report within 3 business days.
2. Review timeline: Our goal is to complete the initial assessment and investigation within 30 days.
3. If more time is needed due to complexity, we will keep you informed.

How to report

You may report a concern through any of the following channels:

1. Anonymous online form (below on this page)
2. Email: [email protected]
   Handling based on topic:
   • For AML/financial crime: handled by the MLRO
   • For unethical behaviour: handled by HR

We ensure appropriate separation of duties and confidentiality throughout.

External Reporting

In cases where internal reporting is not possible or appropriate, or if the whistleblower prefers to report externally, the following competent authorities in the Republic of Lithuania may be used:

1. Financial Crime Investigation Service (Finansinių nusikaltimų tyrimo tarnyba – FNTT)
   FNTT is the competent external authority for handling whistleblower reports concerning possible violations related to anti-money laundering (AML), counter-terrorist financing (CFT), international sanctions, or other financial crime-related misconduct.
   These disclosures may include internal regulatory breaches, deliberate obstruction of compliance efforts, or unethical behavior (e.g. suppression of suspicious activity, bypassing internal controls).
   Such reports are not Suspicious Activity Reports (SARs). SARs remain a legal obligation of the company, not individual employees.
   Reports should be submitted by downloading and completing the official Whistleblower Disclosure Form available on the FNTT website: https://fntt.lrv.lt/lt/
   The completed form must be sent via email to: [email protected]Confidentiality is protected under the Law on the Protection of Whistleblowers. No liability applies if the report is submitted in good faith. Protection does not apply in cases of knowingly false reporting.
   
2. Bank of Lithuania
   The Bank of Lithuania supervises licensed financial institutions including VASPs and EMIs. Suspected breaches of financial regulation (e.g., licensing, compliance, conduct rules) may be reported via:
   • Online reporting platform: https://lb.lt
   • Email: i[email protected]
   • Phone: +370 800 50 500 (anonymous reporting possible)
3. Other competent authorities
   Depending on the nature of the violation, whistleblowers may also report directly to the following authorities:
   
   • State Labour Inspectorate – for labour law violations;
   • Data Protection Inspectorate (VDI) – for GDPR breaches;
   • Prosecutor General’s Office – for criminal violations.

Under the Law on the Protection of Whistleblowers (as amended on 29 December 2022), a whistleblower’s identity is protected, and retaliation is prohibited. Whistleblowers may bypass internal channels entirely and report directly to competent authorities.