AML & KYC Policy
Routing automation does not remove compliance duties. Both Pay2Capital and every API user must keep transactions clean and traceable.
Last updated: 12 August 2026
Onboarding checks
Every API user is verified with business documents, ownership details and a nominated compliance contact before production credentials are issued.
Agent wallet verification
Wallet channels connected to an agent account must belong to identifiable holders. Wallets that fail verification are blocked from the routing pool.
Monitoring
Velocity limits, per-minute caps, daily ceilings and pattern checks run on every request. Suspicious structuring, repeated beneficiary reuse and abnormal spikes trigger review.
Reporting and record keeping
Suspicious activity is reported to the competent authority, and transaction records are retained for the statutory period.