COMPLIANCE

Compliance controls throughout the flow of funds

Fast Track Pathway embeds customer identity verification, business due diligence, risk screening, and transaction review into global accounts, virtual accounts, cross-border transfers, stablecoin settlement, and FTP Card services.

From onboarding submissions to transaction status updates, processes are applied based on product, account, and risk context to help businesses manage fraud, money laundering, sanctions, and other financial-crime risks.

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Fast Track Pathway compliance layers

Customer & Business Verification

Applicable KYC, KYB, and ownership identification based on account and risk context

Risk Screening

Sanctions, PEP, and other risk screening according to applicable requirements

Transaction Risk Assessment

Identification of activity requiring further review based on product and transaction context

Records & Review

Relevant verification, review, communication, and status records

END-TO-END COMPLIANCE MANAGEMENT

A risk-based process connecting onboarding and transaction review

Before using relevant financial services, customers may need to complete applicable identity and business verification. Once an account is enabled, information updates, risk screening, and transaction reviews may be performed based on the service type and risk context.

01
Submit an application
Collect applicable personal, business, and operational information.
02
Verify information
Conduct relevant KYC, KYB, and beneficial-owner identification.
03
Screen for risk
Check sanctions, PEPs, adverse media, and other risk signals.
04
Assess transactions
Evaluate risk based on the transaction, source of funds, and usage.
05
Request information and decide
Request additional information where necessary and retain the corresponding review record.

CUSTOMER & BUSINESS VERIFICATION

Understand the user, then the business

Collect and verify relevant personal, business, and ownership information based on account type, business structure, product, and risk context.

KYC

Individual Identity Verification

Depending on account type and risk level, individual users, directors, ultimate beneficial owners, or authorized representatives may be asked to provide identity information.

Legal name, date of birth, and nationality
Residential address and contact information
Identity card or passport
Proof of address
Facial or liveness verification where applicable
Tax residency and source-of-funds information

KYB

Business Verification

Before enabling relevant services, a business may need to provide information about registration, ownership, operating model, and expected transaction activity.

Registration and constitutional documents
Registered and operating addresses
Director, shareholder, and authorized-representative information
Company website and service description
Operating regions and expected transaction activity
Contracts, invoices, or proof of bank account

UBO

Ultimate Beneficial Owner Identification

Subject to applicable requirements, a business may need to disclose the individuals who directly or indirectly own or control the company, or significantly influence its decisions.

Shareholders and ownership interests
Indirect ownership and control
Directors and senior management
Multi-layered corporate structures
Trust or nominee arrangements
Ownership charts and supporting documents

Required information and verification methods depend on the business structure, location, product, and risk context. Submitting information does not guarantee approval of an account or service.

SANCTIONS, PEP & ADVERSE MEDIA SCREENING

Identify risk during onboarding, information updates, and applicable transactions

Subject to applicable law, product, and risk context, Fast Track Pathway may screen businesses, directors, ultimate beneficial owners, authorized personnel, and relevant counterparties for risk.

International and regional sanctions lists
Politically exposed persons (PEPs)
Relatives and close associates of PEPs
Law-enforcement and regulatory information
Adverse news and media information
High-risk countries, regions, and industries
Restricted businesses or activities

Screening results may require further verification. A similar name or incomplete information does not itself mean that a customer or transaction has been declined.

AML · KYTTransaction risk signals

Illustrative

Based on product capabilities and risk rules, the platform may assess applicable deposits, transfers, conversions, withdrawals, and FTP Card transactions.

01Transaction amount and frequency
02Source and purpose of funds
03Sender and recipient
04Transaction countries and regions
05Currencies and payment networks
06Wallet addresses and related on-chain activity
07Merchant category and historical transaction patterns
08Activity inconsistent with the declared business
09High-risk counterparties
10Suspected structuring or limit-evasion behavior

Monitoring scope, frequency, and handling depend on the product, transaction channel, service region, partner requirements, and risk context.

REVIEW, ADDITIONAL INFORMATION & STATUS

Clear progress for every verification and review

Rules-based initial checks and manual review may use different approaches depending on risk level. The statuses below are common examples; the actual process varies by product and case.

Common examples

Verification statuses

Not submittedPending verificationIn reviewAdditional information requiredApprovedDeclinedExpiredSuspended

Common examples

Transaction review statuses

ProcessingPending reviewAdditional information requiredApprovedDeclinedReturnedCompleted

May proceed

No material risk signals requiring additional review were identified.

Further review required

Insufficient information, unusual transactions, or other risk factors require confirmation.

Unable to proceed

The case does not meet platform policies, partner requirements, or applicable rules.

ADDITIONAL INFORMATION PROCESS

Keep compliance communications complete and clear

When an account or transaction requires further confirmation, enabled features may let you view information requests, submit responses, and track processing status.

View additional information requests
Read review instructions
Upload documents or images
Submit a written response
View communication history
Track processing status

RISK POLICY & ONGOING DUE DILIGENCE

Adjust controls to the customer, product, and transaction

Limits, recipient management, service restrictions, and information updates are not one-size-fits-all. They vary with business eligibility, account capabilities, and risk context.

Customer and Transaction Limits

Limits for deposits, withdrawals, conversions, cards, and specific counterparties may be set or adjusted based on account type, verification level, product capabilities, and risk context.

Recipient and Address Management

Businesses with the relevant features enabled can manage frequently used or verified bank accounts, wallet addresses, suppliers, and other payment recipients. Adding or changing details may require additional verification or internal approval.

Regional and Industry Restrictions

Service availability depends on the business location, industry, product, currency, purpose of funds, partner requirements, and applicable rules.

Source of Funds, Source of Wealth, and Ongoing Review

Depending on account or transaction risk, a business may be asked to update its information, business model, and transaction activity, or explain and document a particular source of funds and overall source of wealth.

Information examples

Source-of-funds or source-of-wealth information that may be requested

Bank statements
Sales invoices
Customer or supplier contracts
Financial statements
Salary or income evidence
Financing or investment documents
Equity-sale or asset-transaction documents
Tax information

Ongoing due diligence

Business information that may need updating

Business registration information
Director and shareholder information
Ultimate beneficial owner information
Business model and operating regions
Expected transaction activity
Source-of-funds information

COMPLIANCE INTEGRATION

Connect compliance statuses to business workflows

For businesses with the relevant features and permissions enabled, APIs can be used to submit information and retrieve status updates, while webhooks deliver applicable status-change notifications so internal systems can act on review outcomes.

Create customers and submit KYC/KYB information
Upload verification documents
Retrieve verification and transaction-review statuses
Submit additional information
Manage applicable limits and recipients
Receive status-change notifications
Retain relevant action and review records

OPERATIONS & REVIEWAction and review records

Depending on the product and features, records related to verification, screening, transaction review, and system actions may be retained to support internal risk management and investigations.

Information and documents submitted by customers
Identity verification and risk-screening results
Transaction risk alerts and review decisions
Additional information and communication records
Changes to account permissions and transaction statuses
API and system events

FAQ

Frequently Asked Questions About Compliance

Required information, statuses, and handling vary by business, product, region, and risk context.

What verification is required before using the services?

Products and features that require verification may involve KYC, KYB, ultimate beneficial owner identification, or other applicable review. Requirements depend on account type, business structure, service region, and risk context.

Can a transaction enter compliance review?

Yes. Depending on product and transaction risk, a deposit, transfer, conversion, withdrawal, or FTP Card transaction may require further verification or additional information.

How will we be notified if additional information is required?

Depending on enabled features, a business can view information requests, submit documents, and track processing status through the client portal or relevant notification channels.

Can limits differ by customer or transaction?

Depending on product capabilities, account permissions, verification level, and risk policy, corresponding limits may be set for different customers or transaction flows.

Are API and webhook integrations supported?

Once the relevant features and permissions are enabled, businesses can submit information and retrieve statuses through APIs, and receive applicable status-change notifications through webhooks.

Fast Track Pathway

Build compliance into global money movement

Embed KYC, KYB, risk screening, transaction monitoring, additional information requests, and review records into relevant product flows to help businesses manage customer, transaction, and compliance risk more clearly.

Get Started Explore Security

Service availability, required information, review time, and outcomes depend on jurisdiction, business eligibility, product, partner requirements, and risk assessment.