This policy defines the standardized Know Your Customer (KYC) and Anti-Money Laundering (AML) controls necessary for the onboarding and ongoing monitoring of all Invuture clients. Its purpose is to prevent the platform from being used for financial crime, including money laundering, terrorist financing, and fraud, in compliance with global regulatory standards.
This policy applies to all users of the Invuture platform, including individual investors, institutional clients, and asset issuers. It covers all stages of interaction, from initial account registration to every transaction and withdrawal. The policy extends to the collection, verification, and storage of user information, as well as the continuous monitoring of transaction activity.
Invuture requires all users to undergo a robust client due diligence process, which includes verified identity documents, risk-based reviews, and ongoing transaction monitoring. This multi-layered approach is designed to mitigate financial crime risks and comply with global AML standards. By adhering to this policy, we ensure that every participant on our platform is a known entity and that all activities are monitored for suspicious patterns.
All new clients must provide a comprehensive set of personal information, including full legal name, date of birth, residential address, and a government-issued identification document. This information is verified against reliable, independent sources to ensure its accuracy.
We utilize a combination of manual and automated methods for identity verification. This includes document verification and liveness checks (e.g., facial recognition) to confirm that the person registering is the same person on the provided ID.
All new and existing users are screened against global sanctions lists, watchlists, and Politically Exposed Persons (PEP) databases. This is a continuous process, ensuring that any changes in a user’s status are flagged and addressed.
Invuture employs a risk-based approach to transaction monitoring. Our system analyzes transaction volumes, frequencies, geographical origins, and counterparty relationships to identify patterns indicative of illicit activity. Transactions that exceed certain thresholds or display unusual characteristics are flagged for manual review by the compliance team.
For users or transactions deemed high-risk, we conduct Enhanced Due Diligence (EDD). This may involve requesting additional information about the source of funds, the nature of the transaction, and the user’s professional background.
Any activity deemed suspicious is documented and reported to the relevant regulatory authorities following legal obligations. Invuture is legally prohibited from informing the user that a SAR has been filed.
All records of client due diligence, transaction monitoring, and suspicious activity are stored securely for a minimum of five years after the business relationship ends, as required by law.
The Compliance team, led by the designated AML Officer, is responsible for managing the entire KYC/AML workflow, from client onboarding to audit trail maintenance. They are also responsible for all regulatory filings and liaising with authorities.
This policy is reviewed annually and is subject to immediate revision in response to any changes in AML/CFT legislation or regulatory guidance from bodies like the Financial Action Task Force (FATF).
Any account that fails to complete the initial verification process or is flagged for suspicious activity will have its platform access, including deposit and trade capabilities, suspended. The account will not be reactivated until our compliance team has conducted a full review and cleared the user.
For all KYC/AML-related inquiries, please contact: aml-officer@invuture.com
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