KYC & AML Policy

1. Customer due diligence

Every customer is identified and verified before they can transact. We collect your name, date of birth, address and nationality, and verify them against an identity document and a liveness check.

Where risk is higher — larger volumes, higher-risk corridors, or unusual patterns — we apply enhanced due diligence and may ask about your source of funds and the purpose of a transfer.

2. Sanctions and screening

Customers and recipients are screened against applicable sanctions lists, politically exposed person data and adverse media at onboarding and on an ongoing basis. A screening match may pause or block a transfer while we review it.

We do not serve customers in, or send funds to, jurisdictions subject to comprehensive sanctions.

3. Transaction monitoring

Transfers are monitored automatically for patterns associated with structuring, mule activity, fraud and sanctions evasion. Alerts are reviewed by our operations team, which can hold, return or reject a payout.

4. Reporting

Where we suspect money laundering or terrorist financing we file a report with the competent authority. We are generally prohibited by law from telling you that a report has been made.

5. Record keeping

Identity records, transaction records and the reasoning behind compliance decisions are retained for at least five years after the end of the relationship, or longer where law requires.

6. Prohibited activity

MoneyChief may not be used for money laundering, terrorist financing, sanctions evasion, fraud, or on behalf of an undisclosed third party. Accounts used this way are closed and reported.

7. Governance

Our controls are reviewed at least annually and after any material change to our corridors, partners or products. Staff receive financial crime training on joining and annually thereafter.

Compliance contact: compliance@moneychief.money.