⚠️ Why You Should Avoid PayBridgeTech — A Risky Payment Bridge Without Legal Compliance

🚨 What Is PayBridgeTech?
PayBridgeTech is a third-party payment platform that claims to "bridge" digital wallets like Venmo, Cash App, and PayPal—allowing users to send or receive money between them with minimal fees and no verification required.

The platform was founded by Navin Narayanan, who promotes it as a fast and easy way to move funds across incompatible payment networks.

At first glance, this sounds like a convenient solution. But dig just a little deeper, and the reality is clear: PayBridgeTech is exposing its users to serious legal and financial risks.

 
❌ The Problem: No KYC, No Compliance
PayBridgeTech publicly advertises “No KYC required” for its users. This means it does not verify your identity, does not collect SSNs or government-issued IDs, and does not perform due diligence on transactions.

That may sound like a feature—but in the eyes of the law, it’s a major violation.

 
⚖️ What the Law Says
In the United States, any platform that facilitates money transmission—even indirectly—must:

Register as a Money Services Business (MSB) with FinCEN
Implement Know Your Customer (KYC) and Customer Due Diligence (CDD) policies
Maintain an Anti-Money Laundering (AML) compliance program
Report suspicious activity through Suspicious Activity Reports (SARs)
Failure to do so isn't just risky—it’s illegal. Operators who skip these requirements can face:

Civil penalties
Criminal charges
Permanent bans from the financial industry
 
🧨 Why This Puts Users in Danger
By using a non-compliant app like PayBridgeTech, you risk:

Losing funds if regulators shut the service down
Getting banned from PayPal, Venmo, Cash App, or your bank
Being investigated if your transactions are flagged
No legal recourse if you're scammed or hacked through the app
There are no protections for users when dealing with unregistered, unregulated financial services.

 
🔍 Who Is Behind It?
PayBridgeTech is the creation of Navin Narayanan, who has promoted the platform on social media and Reddit. While we do not question his technical skills, we strongly question the legal foundation of the business.

No KYC. No license. No clear terms of financial liability. No published compliance officers. These aren’t minor oversights—they are core red flags in financial tech.

 
🚫 Linebase’s Official Position
At Linebase, our mission is to support secure, compliant, and transparent financial technology.

After reviewing PayBridgeTech’s operations, terms of service, and public claims, we believe the platform is:

Operating in violation of U.S. money transmitter laws
Knowingly bypassing KYC/AML obligations
Endangering users through noncompliant practices
We urge all users to immediately stop using PayBridgeTech and avoid sending or receiving money through the platform.

 
✅ What You Should Use Instead
If you're looking for legal ways to move money across platforms, here are safer options:

Link multiple wallets to the same bank account and transfer manually
Use Zelle, PayPal Xoom, or Venmo Direct Deposit
For business-level needs, consider platforms like Stripe, Modern Treasury, or Moov.io (all compliant)
 
📩 Report PayBridgeTech
If you have used PayBridgeTech or suspect it's violating compliance rules, you can file a report with:

FinCEN
Consumer Financial Protection Bureau
Your state’s financial regulator
 
🛡️ Stay Informed. Stay Safe.
Financial technology is powerful—but only when it’s legal and secure.

We’ll continue monitoring platforms like PayBridgeTech and exposing services that put users at risk.

If you’d like updates on safe fintech tools, subscribe to our newsletter or follow us at Linebase.org.

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Linebase Compliance Team