AML / KYC
Policy

All users undergo identity verification before accessing the platform. We collect and verify government-issued identification, proof of address, source of funds, and beneficial ownership information. Enhanced Due Diligence (EDD) is applied to politically exposed persons (PEPs), high-risk jurisdictions, and complex ownership structures.

Each user is assigned a unique Tabularum Identification Number (TIN) upon successful verification. KYC records are reviewed periodically and updated when material changes occur. We use automated screening against global sanctions lists, PEP databases, and adverse media sources.

We monitor platform activity for suspicious patterns including unusual transaction volumes, rapid movement of funds, structuring behaviour, and transactions involving sanctioned jurisdictions or persons. Automated alerts are reviewed by our compliance team.

Where we identify or suspect money laundering or terrorist financing, we file Suspicious Activity Reports (SARs) with the relevant Financial Intelligence Unit (FIU) without informing the subject. We maintain strict tipping-off controls.

All users and counterparties are screened against OFAC SDN List, EU Consolidated Sanctions List, UN Security Council Sanctions, UK HMT Sanctions, and other applicable sanctions regimes. Screening is performed at onboarding and on an ongoing basis.

All CDD/KYC records, transaction data, and compliance documentation are retained for a minimum of five (5) years after the end of the business relationship, or longer where required by applicable law.

All employees and contractors with relevant responsibilities receive regular AML/KYC training. Our compliance framework is overseen by a designated Money Laundering Reporting Officer (MLRO).