Risk Policy

1. AML/CTF Compliance

FXPPAY Global Ltd. (the "Company") is committed to maintaining the highest standards of Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance. We implement a rigorous risk-based approach to mitigate financial crime. All users must undergo mandatory Know Your Customer (KYC) or Know Your Business (KYB) verification before accessing the platform’s clearing and settlement services.

2. Transaction Monitoring and Enhanced Due Diligence

We employ automated blockchain forensic tools to monitor all transactions in real-time. Any single transaction or aggregate daily volume exceeding USD 5,000 (or equivalent) will be subject to mandatory manual review and Enhanced Due Diligence (EDD). FXPPAY reserves the right to request documented proof of Source of Funds (SOF) or Source of Wealth (SOW) to ensure all assets are derived from legitimate activities.

3. Prohibited Jurisdictions and Activities

FXPPAY does not provide services to residents of jurisdictions blacklisted by the FATF or subject to UN, OFAC, or Singaporean sanctions. Use of the platform for illegal gambling, unlicensed narcotics, or any activity that evades capital controls is strictly prohibited.

4. Asset Volatility and Technical Risk

Digital assets are subject to extreme market volatility. FXPPAY is not liable for any loss of value occurring during the processing, routing, or settlement of a transaction. While we employ institutional-grade security protocols, users acknowledge the inherent risks of blockchain technology and smart contract interactions.

5. Reporting

In compliance with international standards, FXPPAY is obligated to report suspicious activities to the relevant Financial Intelligence Units (FIUs) without prior notice to the user.