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About Us

In 2019, Belay Empire - an Indigenous Peoples financial institution was founded. In 2023, the establishment of Belay Empire -Unincorporated Biblically inspired loans marked a significant milestone. Prior to that, our primary objective was to create a new economic eco-system that fosters financial inclusion and empowerment for the Indigenous Peoples, minorities, and private individuals across North America.

 

Belay Empire is proud of the establishment of our Indigenous Peoples Financial Institution. Through this endeavor, we aim to protect and develop our natural resources, establish businesses, associations, and other organizations, and exercise certain rights of self-governance. Furthermore, we strive to provide agriculture, economics, health, wellness, finance, and education in institutions of higher learning.

 

Aligned with our core values of freedom, honesty, integrity, love, peace, truth, and friendship, we have enacted and established our Indigenous Bylaws. These principles serve as the foundation guiding our actions and aspirations.

Family At Church

Our Mission

The mission of Belay Empire and Belay Empire Unincorporated is to establish a new economic eco-system that facilitates financial prosperity for Indigenous Peoples, minorities, and private individuals; while adhering to negotiable, lawful, ethical, and fair lending practices that are free from usury. Transparency is at the core of Belay Empire; we are steadfast and unmovable in our dedication to honoring ancestral treaties, preserving cultural heritage, respecting customs, upholding religious values, and fulfilling our social responsibilities. By addressing the institutional barriers within the U.S. banking system, we aim for economic inclusion by enhancing access to capital, making it more accessible to those who have historically been underserved.

Signing Contract

Our Vision

Belay Empire's vision is to partner with financial institutions worldwide to help Indigenous Peoples, minorities, and private individuals access funds, invest in themselves and their local communities, increase participation in the economic world, and improve quality of life through access to Indigenous Banking Systems.

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Our Team

90% of Belay Empire team members are direct descendants of the original Indigenous Peoples of North America, connected by both blood and soil. Our team members will reject any attempt that compels us to assimilate into a financial system that was neither constructed nor acknowledged by our ancient forebears. The United States systems, and their financial establishments, regrettably fail to honor the sacred treaties of our ancestors, safeguard our rich cultural heritage, respect our customs, uphold our cherished religious values, or fulfill its social responsibilities.

Who We Are: 

Belay Empire's foundation is rooted in a Private Unincorporated Indigenous Peoples Investment Financial Institution committed to fostering social equality, economic inclusion, and generational wealth creation. Our institution is focused on benefiting Indigenous Peoples we also extend our impact to minorities and private individuals; all while contributing to the collective uplift of humanity.

Governance

United Nations Declaration on the Rights of Indigenous Peoples 2010, Articles 1-46. Article 3. Indigenous peoples have the right to self-determination. By virtue of that right they freely determine their political status and freely pursue their economic, social and cultural development.  Article 4. Indigenous peoples, in exercising their right to self-determination, have the right to autonomy or self-government in matters relating to their internal and local affairs, as well as ways and means for financing their autonomous functions. Article 8.   1. Indigenous peoples and individuals have the right not to be subjected to forced assimilation or destruction of their culture. 2. States shall provide effective mechanisms for prevention of, and redress for: (a) Any action which has the aim or effect of depriving them of their integrity as distinct peoples, or of their cultural values or ethnic identities; (b) Any action which has the aim or effect of dispossessing them of their lands, territories or resources; (c) Any form of forced population transfer which has the aim or effect of violating or undermining any of their rights; (d) Any form of forced assimilation or integration; (e) Any form of propaganda designed to promote or incite racial or ethnic discrimination directed against them.  Article 20. 1. Indigenous peoples have the right to maintain and develop their political, economic and social systems or institutions, to be secure in the enjoyment of their own means of subsistence and development, and to engage freely in all their traditional and other economic activities.  Article 33. 1. Indigenous peoples have the right to determine their own identity or membership in accordance with their customs and traditions. This does not impair the right of indigenous individuals to obtain citizenship of the States in which they live. 2. Indigenous peoples have the right to determine the structures and to select the membership of their institutions in accordance with their own procedures. Article 34. Indigenous peoples have the right to promote, develop and maintain their institutional structures and their distinctive customs, spirituality, traditions, procedures, practices and, in the cases where they exist, juridical systems or customs, in accordance with international human rights standards. Article 36. 1. Indigenous peoples, in particular those divided by international borders, have the right to maintain and develop contacts, relations and cooperation, including activities for spiritual, cultural, political, economic and social purposes, with their own members as well as other peoples across borders. 2. States, in consultation and cooperation with indigenous peoples, shall take effective measures to facilitate the exercise and ensure the implementation of this right. Article 37.  1. Indigenous peoples have the right to the recognition, observance and enforcement of treaties, agreements and other constructive arrangements concluded with States or their successors and to have States honors and respect such treaties, agreements and other constructive arrangements. Article 45.   Nothing in this Declaration may be construed as diminishing or extinguishing the rights indigenous peoples have now or may acquire in the future.

American Declaration on the Rights of Indigenous Peoples 2016, Articles 1-41.  Article XIV 3. Indigenous peoples have the right to promote and develop all their systems and media of communication, including their own radio and television programs, and to have equal access to all other means of communication and information. The states shall take measures to promote the broadcast of radio and television programs in indigenous languages, particularly in areas with an indigenous presence. The states shall support and facilitate the creation of indigenous radio and television stations, as well as other means of information and communication. Article XXI 1. Indigenous peoples, in exercising their right to self-determination, have the right to autonomy or self-government in matters relating to their internal and local affairs, as well as ways and means for financing their autonomous functions. 2. Indigenous peoples have the right to maintain and develop their own decision-making institutions. They also have the right to participate in the decision making in matters which would affect their rights. They may do so directly or through their representatives, and accordance with their own norms, procedures, and traditions. They also have the right to equal opportunities to access and to participate fully and effectively as peoples in all national institutions and forums, including deliberative bodies. Article XXIX 1. Indigenous peoples have the right to maintain and determine their own priorities with respect to their political, economic, social, and cultural development in conformity with their own world view. They also have the right to be guaranteed the enjoyment of their own means of subsistence and development, and to engage freely in all their economic activities Article XXX 2. Indigenous peoples have the right to recognition and respect for their institutions for the maintenance of their organization and control of its communities and peoples. Article XXXVII Indigenous peoples have the right to have access to financial and technical assistance from States and through international cooperation, for the enjoyment of the rights contained in this Declaration.

The following comes straight from the Library of Congress:  II. The content. Rights and law of the Indigenous  (1) Recent legal tradition has cast laws relating to Indigenous peoples in North America into two categories, termed as:  Federal Indian law. This category refers to federal laws and regulations impacting on Indigenous peoples rights and affairs. In the Library of Congress Classification, this law is classed currently with the national legal systems, e.g., Law of the United States, Class KF8201-8210, and Law of Canada, Class KE7701-7722. Indigenous, Aboriginal, or Tribal law. This category refers to the law as it was developed by a particular Indigenous group, band, or tribe, and practiced within the group’s territorial boundaries, i.e., applied by, and to, the members of the group residing on a reservation, township, village, ranch, or other such geographic entity. Included are the constitutions and by-laws that were adopted pursuant to either the Indian Reorganization Act (US), or pursuant to treaties, negotiations, etc.

International Obligations Of The U.S.C. Title 11, Chapter 15, Subchapter I § 1503. The text contains laws in effect on May 25, 2021. To the extent that this chapter conflicts with an obligation of the United States arising out of any treaty or other form of agreement to which it is a party with one or more other countries, the requirements of the treaty or agreement prevail.

Public Law / Joint resolution 73-1 of 1933 - The Emergency Banking Act (EBA) (the official title of which was the Emergency Banking Relief Act), Public Law 73-1, 48 Stat. 1 (March 9, 1933), was an act passed by the United States Congress in March 1933, in an attempt to stabilize the banking system. Public Law / Joint resolution 73-10 of 1933 -offers a remedy by formally establishing the entitlement to debt discharge through a documented legal provision.

International Covenant on Civil and Political Rights - Recognizes the right to self-determination and cultural preservation. California Government Code 11120 - It is the public policy of this state that public agencies exist to aid in the conduct of the people's business and the proceedings of public agencies be conducted openly so that the public may remain informed. In enacting this article the Legislature finds and declares that it is the intent of the law that actions of state agencies be taken openly and that their deliberation be conducted openly. The people of this state do not yield their sovereignty to the agencies which serve them. The people, in delegating authority, do not give their public servants the right to decide what is good for the people to know and what is not good for them to know. The people insist on remaining informed so that they may retain control over the instruments they have created. 12 U.S. Code § 411. Issuance to reserve banks; nature of obligation; redemption - Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. Title 7 U.S. Code § 1928. Full faith and credit - (a)In general A contract of insurance or guarantee executed by the Secretary under this chapter shall be an obligation supported by the full faith and credit of the United States. (b)Contestability A contract of insurance or guarantee executed by the Secretary under this chapter shall be incontestable except for fraud or misrepresentation that the lender or any holder— (1)has actual knowledge of at the time the contract or guarantee is executed; or (2)participates in or condones. Title 31 U.S. Code § 3123. Payment of obligations and interest on the public debt - (a)The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

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Mailing Location

Attention: BELAY EMPIRE

â„… 3020 Bernal Ave Suite 110 #2133

Non-domestic Pleasanton,

California Republic [94566]

Indigenous Institution Identifier: 922524622

FUNDING ACCOUNTS: NOTICE AND LEGAL FRAMEWORK

 

PLEASE BE ADVISED OF THE FOLLOWING:

 

Belay Empire's negotiable instruments are issued by an independent, private, unincorporated Indigenous Peoples financial institution.

 

Applicable Legal Framework: Belay Empire's negotiable instruments are governed by, including but not limited to, the following:

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  • Principles of Indigenous Peoples’ Sovereignty,

  • Relevant Treaties,

  • Uniform Commercial Code (UCC) Articles 1-9,

  • United Nations Declaration on the Rights of Indigenous Peoples (2010), Articles 1-46,

  • American Declaration on the Rights of Indigenous Peoples (2016), Articles 1-41,

  • Negotiable Instruments Law of 1955, Chapter 35,

  • Public Law 97-280 (97th Congress, October 4, 1982),

  • Congressional Record, 73rd Congress (First Session, March 9, 1933), Page 83, Paragraph 1: "Expansion of Currency Necessary,"

  • and International Law.

 

Belay Empire Indigenous Peoples Financial Institution operates independently, without affiliation to the United States Federal Reserve System, providing a unique level of autonomy. As a private unincorporated association, we are not required to register with the U.S. government as a formal company, nor with the Securities and Exchange Commission, as we do not offer securities to the public. Similarly, we are not obligated to register with the Treasury Department as a financial entity. This independence allows us to conduct transactions in accordance with our culture, customs, principles, and objectives, ensuring economic sovereignty and self-determination for Indigenous Peoples.

 

Funding Capabilities: Belay Empire is committed to conducting transactions in good faith and with full transparency. We offer various methods for account funding, including but not limited to the following:

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  • Bank Drafts

  • Cashier's Checks

  • Bank Checks

  • Bills Of Exchanges

  • Promissory Notes

  • Letters Of Credits

  • Credit/Debit Transfers via Book Entries

  • Ledger-to-Ledger Transfers

  • Email Transfers

  • Direct API Integration

  • Contractual Agreements​

 

Belay Empire Wire Transfer Policies and Sovereignty Recognition

 

Wire Transfer Policy:
Belay Empire does not facilitate wire transfers as it operates independently of systems like the U.S. Federal Reserve, ABA, ACH, SWIFT, and Fedwire. However, it utilizes an Indigenous Institution Identifier, 922524622, which can be manually entered to support transaction tracking and identification.

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Recognition of Sovereignty:
Indigenous Peoples' right to establish and operate independent financial systems is affirmed by the United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP) and historical treaties. These frameworks ensure that financial instruments issued by Indigenous financial institutions are recognized as valid under both international and domestic law.

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U.S. and International Legal Obligations:
Under U.S. law, statutes such as 11 U.S.C. § 1503 underscore the importance of recognizing Indigenous sovereignty and the legitimacy of their financial systems within domestic legal frameworks. This aligns with the nation's broader commitments to honoring Indigenous rights and obligations.

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Legal Foundations and Precedents:

 

A. Public Law Joint Resolutions 73-1 and 73-10 (1933):

These resolutions authorize the issuance of promissory notes and bills of exchange for U.S. currency. Indigenous Peoples financial institutions, under their sovereign status, can issue similar instruments based on these recognized legal frameworks.

 

B. Full Faith and Credit of the United States (Title 7 U.S.C. § 938, § 1928):

These statutes affirm that obligations, including those issued by Indigenous Peoples financial institutions, are backed by the full faith and credit of the United States, ensuring that such instruments are legally recognized and enforceable.

 

C. Commercial Law and Uniform Commercial Code (UCC):

  • UCC § 2-511: Payment may be made using checks, promissory notes, or bills of exchange, and these instruments must be accepted as valid tender.

  • UCC § 9-310, § 9-311, § 9-312: These sections govern the perfection of security interests, ensuring the protection of Indigenous Peoples financial institutions' interests in property transactions.

 

Acceptance and Processing of Instruments:

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1. Verification Process:

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  • Upon receipt of a negotiable instrument (e.g., cashier’s check, bill of exchange, promissory note) issued by an Indigenous Peoples financial institution, the bank must verify its authenticity.

  • The instrument can be authenticated by contacting the issuing Indigenous Peoples financial institution directly via phone, website, or email.

 

2. Legal Compliance, Deposit, Clearing, and Settlement:

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  • Legal Compliance: Under U.C.C. § 2-511 and § 3-603, the instrument must be accepted as a valid tender if it meets all necessary criteria, such as legitimacy and full cash value backing. Any refusal to accept the instrument based on its origin (e.g., an Indigenous Peoples financial institution) would violate the Equal Credit Opportunity Act (1974), which prohibits discrimination in credit transactions.​

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  • Bank Deposit: After the receiving bank has confirmed the instrument's authenticity, the seller must be able to deposit the cashier’s check, bill of exchange, or promissory note with their financial institution.

 

  • Clearing Process: The receiving bank handling the deposit is not obligated to present the instrument to Belay Empire's Indigenous Peoples financial institution for payment or clearance. This is because the cashier’s check, bill of exchange, or promissory note has already been issued in good faith for full cash value received, and its authenticity has been duly verified.

 

  • Settlement: Under the U.C.C. 4-206 provision for transfer between banks, any method agreed upon that identifies the transferor bank is sufficient for further transfer to another bank. In line with U.C.C. 4-213 on the medium and timing of settlement by a bank, the time of settlement may be defined by agreement, and when dealing with cash, cashier’s checks, or teller’s checks, settlement occurs when the cash or check is sent or delivered. Per U.C.C. 4-215, an item is considered finally paid by a payor bank once it has settled for the item without any right to revoke the settlement, whether under statute, clearinghouse rules, or by agreement.

 

3. Promissory Notes and Security Interests:

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  • UCC §§ 9-310 to 9-312: Indigenous financial institutions may perfect their security interests in assets by filing the necessary documentation, similar to standard commercial transactions.

 

Sovereignty and Treaty Protections:

 

A. Sovereignty Recognition:

The United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP) and historical treaties affirm Indigenous Peoples’ right to establish independent financial systems. Financial instruments issued by Indigenous financial institutions must be recognized as legitimate under both international and domestic laws.

 

B. U.S. and International Obligations:

  • U.S. statutes such as 11 U.S.C. § 1503 uphold the recognition of Indigenous sovereignty and Indigenous financial systems within domestic legal frameworks.

 

Regulatory Considerations:

 

A. Banking Regulations:

  • 12 C.F.R. § 204.2: Defines valid financial instruments for banking purposes.

  • 12 C.F.R. § 215.3: Regulates extensions of credit, supporting the acceptance of Indigenous Peoples financial instruments.

 

B. Self-Liquidating Paper and Transparency:

  • 17 C.F.R. § 260.11b-6: Recognizes "self-liquidating paper," which includes Indigenous Peoples financial instruments if liquidity standards are met.

  • 18 C.F.R. § 358.7: Requires transparency in financial transactions, particularly with novel instruments issued by Indigenous Peoples financial institutions.

 

Compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulations:


While Belay Empire operates independently from U.S. federal oversight, it upholds high standards of transparency and compliance. Transactions facilitated by Belay Empire are subject to internal AML and KYC policies to ensure the legitimacy of participants and prevent illicit activities. We reserve the right to request additional documentation to verify identities and the source of funds in line with best practices.

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Dispute Resolution and Governing Law:


By this, any disputes arising from transactions involving Belay Empire’s financial instruments shall be resolved through arbitration. The arbitration will be conducted in accordance with Indigenous Peoples’ rules, laws, and customs by an Indigenous Peoples Arbitration Association or another mutually agreed-upon body. Both parties acknowledge that the interpretation and enforcement of the instruments shall be governed by Indigenous laws, principles, and customs, along with applicable provisions of the Uniform Commercial Code (UCC).

 

Transaction Risk Disclaimer and Limitations of Liability:


Belay Empire makes no representations or guarantees regarding the acceptance of its financial instruments by third-party institutions. Users of these instruments acknowledge the inherent risks involved in conducting transactions with non-traditional financial instruments. Belay Empire is not liable for any losses resulting from the refusal, delay, or failure of counterparties to process or accept these instruments.

 

Data Protection and Confidentiality Clause:


Belay Empire values the privacy and confidentiality of its clients. All personal data and financial information exchanged in the course of transactions shall be treated as confidential and will not be disclosed to unauthorized parties, except as required by law or with the client’s express consent.

 

Force Majeure Clause:


Belay Empire shall not be held liable for any failure or delay in performing its obligations due to circumstances beyond its control, including but not limited to natural disasters, government actions, civil unrest, technological disruptions, or other unforeseen events that prevent normal operations.

 

Notice of Evolving Financial Technology and Regulatory Compliance:


Belay Empire reserves the right to adjust its operations, instruments, and policies in response to technological innovations, regulatory developments, and shifts in Indigenous or international law. All parties transacting with Belay Empire agree to remain informed of any such changes that may impact their transactions.

Investment Products are:

  • Not Insured by Belay Empire or Any Federal Government Agency

  • Not a Deposit or Other Obligation of, or Guaranteed by, this Indigenous Peoples Financial Institution or Any Bank Affiliate

  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

BY THIS, BELAY EMPIRE EXISTS AS AN INDEPENDENT PRIVATE UNINCORPORATED INDIGENOUS PEOPLES FINANCIAL INSTITUTION.

Belay Empire are proud Non-FDIC Members

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 © Copyright 2019-2025 Belay Empire, all rights reserved.
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