Anti-Money Laundering (AML) Statement

MoneyTrans maintains a risk-based Anti-Money Laundering (“AML”) and sanctions compliance

framework designed to prevent the use of its Services for money laundering, terrorist financing,

fraud, and other illicit activity.

This framework reflects applicable legal requirements and the operational environment in which

MoneyTrans operates, including obligations imposed by financial institution partners, payment

networks, and regulatory authorities.

1. Oversight and Administration

MoneyTrans maintains internal oversight responsible for the administration and effectiveness of its

AML controls. Compliance functions may be supported by third-party providers, including

monitoring systems, verification tools, and reporting mechanisms, as appropriate to the Services.

2. Customer Identification and Verification

MoneyTrans verifies the identity of users as part of onboarding and ongoing compliance processes.

Verification may include collection of identifying information, document validation, database checks,

and use of third-party identity confirmation tools. Requirements may vary depending on risk factors,

transaction activity, and applicable obligations.

Access to the Services is conditioned on successful verification and continued compliance.

3. Risk-Based Monitoring

MoneyTrans applies a risk-based approach to monitoring user activity. This includes initial

assessment at onboarding and ongoing monitoring of transactions and account behavior. Where

activity presents elevated risk, MoneyTrans may conduct enhanced review, require additional

documentation, or restrict activity.

Risk determinations may be informed by internal analysis, third-party data, and requirements

imposed by financial institutions or regulators.

4. Sanctions Screening

MoneyTrans conducts screening against applicable sanctions and watchlists, including those

administered by relevant governmental authorities. Transactions or users identified as presenting

sanctions risk may be blocked, rejected, or subject to further review. Screening may be conducted

directly or through third-party providers.

5. Suspicious Activity Handling

Where activity is identified as potentially suspicious, MoneyTrans may conduct internal review and

take appropriate action, including restricting transactions or accounts. MoneyTrans may report such

activity where required and may cooperate with financial institutions, regulators, and law

enforcement in connection with investigations or lawful requests.

6. Recordkeeping

MoneyTrans maintains records relating to identity verification, transactions, and compliance activity

in accordance with applicable legal and regulatory requirements. Retention periods may extend

beyond account closure where necessary.

7. Program Review

MoneyTrans periodically reviews and updates its compliance controls to address evolving risks,

regulatory developments, and operational requirements, including those imposed by financial

institution partners.

8. Commitment

Access to the Services is conditioned upon adherence to applicable compliance standards.

MoneyTrans is committed to maintaining a secure and compliant operating environment and to

preventing misuse of its Services.

Contact

For compliance-related inquiries: cs@moneytrans.com