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NEGOTIABLE INSTRUMENT INQUIRY

Kindly provide all required information and include well-defined images of both the front and back of the Negotiable Instrument before proceeding with the submission. Upon submission, a member of the Belay Empire team will send a response via email regarding the specific Negotiable Instrument you are inquiring about within 24 hours.

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Mailing Location

Attention: BELAY EMPIRE

℅ 3020 Bernal Ave Suite 110 #2133

Non-domestic Pleasanton,

California Republic [94566]

G-IPMN Code: GIPMN-NA-93684402

BELAY EMPIRE — BANK & REGULATOR DISCLOSURE FOOTER

 

Belay Empire is an unincorporated Indigenous Peoples Financial Institution via 508(c)(1)(a) religious and Indigenous Peoples organization, operating for the purpose of economic inclusion and self-determination, including the lawful settlement of private obligations, trade, and commerce for Indigenous Peoples and aligned parties.

 

Belay Empire issues issuer-funded negotiable instruments payable on demand, including Bills of Exchange and Promissory Notes, solely for the settlement of private obligations, purchases, and contracts. Each such instrument represents a present, unconditional obligation of the issuer, is credited at issuance on the Belay Empire internal settlement ledger, and is recorded for verification, timestamping, and audit within G-IPMN. Settlement is completed upon issuance and acceptance of the instrument according to its terms; no external bank transfer is required to effect settlement within the Belay Empire system.

 

By this, any interaction with a depository institution is voluntary and limited solely to conversion of already-settled value into bank-based money at the holder’s election and subject to bank policy. Depository institutions are not drawees, guarantors, or settlement authorities for Belay Empire instruments and do not create, validate, or complete settlement within this framework.

 

Belay Empire does not issue currency, legal tender, or bank instruments, and does not issue cashier’s checks (which are bank-only instruments). Where appropriate for institutional counterparties, Belay Empire may issue Letters of Credit / Standby Letters of Credit as conditional documentary undertakings governed by UCC Article 5; such instruments do not carry value at issuance and are payable only upon a complying documentary presentation.

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Governing Commercial Law

 

Belay Empire’s negotiable instruments and settlement processes are governed by state-enacted Uniform Commercial Code (UCC) Articles 1 and 3, including but not limited to:

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  • UCC § 1-201(b)(24) — Value

  • UCC § 1-304 — Good Faith

  • UCC § 3-104 — Negotiable Instruments

  • UCC § 3-412 — Obligation of Issuer

  • UCC § 3-501 — Presentment

  • UCC § 3-602 — Discharge by Payment

 

Where banks elect to participate solely for conversion purposes, UCC Article 4 applies, including:

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  • UCC §§ 4-201, 4-202, 4-103 — Bank as agent; ordinary care; variation by agreement

 

Letters of Credit / Standby Letters of Credit, if issued, are governed by UCC Article 5 (including UCC §§ 5-102, 5-108) and applicable international rules if incorporated (e.g., ISP98 / UCP 600).

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Indigenous Peoples’ Rights & Authority

 

Belay Empire operates consistent with Indigenous Peoples’ rights to economic self-determination, as recognized under:

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  • United Nations Declaration on the Rights of Indigenous Peoples (UNDRIP) — Articles 3, 4, and 20

  • United States recognition of international human-rights principles as persuasive authority in domestic policy (e.g., Public Law 97-280)

 

These principles inform Belay Empire’s purpose and governance, while domestic commercial activity remains governed by state-adopted UCC provisions.

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Important Clarifications

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  • Belay Empire instruments are private commercial instruments, not bank money.

  • Acceptance completes settlement; bank processing, if any, is conversion-only.

  • Banks may decline conversion pursuant to policy; refusal does not invalidate settlement.

  • If conversion is refused, instruments must be returned promptly and intact in accordance with applicable law and instrument terms.

 

© Belay Empire. All rights reserved.
This footer is provided for informational and compliance purposes only and does not constitute legal advice to any third party.

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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