# License - UK Incard Ltd is authorised by the Financial Conduct Authority (FCA) as an Authorised Electronic Money Institution (EMI). Firm Reference Number (FRN): 1027309 Incard Ltd is authorised to issue electronic money (e-money) and provide payment services in the United Kingdom. \ **EMD Agent arrangement and transition** Incard Ltd is registered with the Financial Conduct Authority as an Electronic Money Distributor (EMD) Agent and can distribute or redeem electronic money (e-money) and provide certain payment services on behalf of an e-money institution (Registration: 903054). Incard Ltd is an EMD Agent of The Currency Cloud Limited. Payment and e-money services are provided by The Currency Cloud Limited. The Currency Cloud Limited is registered in England and Wales under company number 06323311. Registered office: Stewardship Building, 1st Floor, 12 Steward Street, London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). Incard Ltd is currently in a transition phase to exit its EMD Agent arrangement and operate fully under its own EMI authorisation. During this transition period, certain payment and electronic money services may continue to be provided in partnership with The Currency Cloud Limited. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://legal.incard.co/licenses/license-uk.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.