Anti-Money Laundering (AML) Policy

Last updated: March 22, 2026

FundingAlphaX (“Company,” “we,” “us,” or “our”) is committed to maintaining the highest standards of anti-money laundering (AML) compliance and combating the financing of terrorism (CFT). This policy outlines the measures we take to detect, prevent, and report money laundering activities and other financial crimes.

1. Commitment to AML Compliance

FundingAlphaX is committed to complying with all applicable anti-money laundering laws, regulations, and industry best practices. Our AML program is designed to:

  • Prevent the use of our platform for money laundering, terrorist financing, or other illicit financial activities.
  • Implement robust Know Your Customer (KYC) procedures to verify the identity of our users.
  • Monitor transactions for suspicious activity and report findings to the appropriate authorities.
  • Maintain comprehensive records of user identification and transaction data.
  • Ensure ongoing compliance through regular training and policy reviews.

All employees, contractors, and agents of FundingAlphaX are required to comply with this policy. Failure to adhere to AML obligations may result in disciplinary action, including termination.

2. Know Your Customer (KYC) Procedures

We implement KYC procedures to verify the identity of our users and assess potential risks associated with their activities. Our KYC process includes the following:

2.1 Identity Verification

Before processing any payout or upon request, users may be required to provide:

  • A valid, government-issued photo identification document (passport, national ID card, or driver's license).
  • Proof of residential address (utility bill, bank statement, or government correspondence dated within the last three months).
  • A selfie or live photo for facial verification against the submitted ID document.

2.2 Enhanced Due Diligence (EDD)

Enhanced due diligence measures may be applied to users who present a higher risk, including but not limited to:

  • Users from jurisdictions with elevated money laundering or terrorism financing risk.
  • Politically Exposed Persons (PEPs) and their associates or family members.
  • Users with unusual transaction patterns or activity that deviates from their stated profile.
  • Users who request large payouts or demonstrate unusual account behavior.

2.3 Ongoing Monitoring

User accounts are subject to continuous monitoring. We may periodically request updated identification documents or additional information to maintain the accuracy and currency of our customer records.

3. Transaction Monitoring

FundingAlphaX employs systems and procedures to monitor transactions for signs of suspicious activity. Our monitoring covers:

  • Payment Patterns: Unusual payment patterns, including multiple purchases from different wallets, rapid succession of transactions, or transactions inconsistent with the user's profile.
  • Payout Requests: Payout requests to wallets associated with known illicit activities, mixers, or tumblers.
  • Account Behavior: Accounts created with stolen identities, synthetic identities, or accounts showing signs of being used by multiple individuals.
  • Sanctions Screening: Regular screening of user data against global sanctions lists, including OFAC, EU, UN, and other relevant watchlists.

4. Reporting Suspicious Activity

FundingAlphaX maintains procedures for reporting suspicious activity to the relevant regulatory and law enforcement authorities. When suspicious activity is identified:

  1. The compliance team conducts an internal investigation to gather relevant information.
  2. If the activity is deemed suspicious, a Suspicious Activity Report (SAR) or equivalent report is filed with the appropriate financial intelligence unit (FIU).
  3. The user's account may be frozen or suspended pending the outcome of the investigation.
  4. We cooperate fully with law enforcement and regulatory authorities in connection with any investigation.

In accordance with legal requirements, we do not inform users when a SAR has been filed regarding their account.

5. Record Keeping

FundingAlphaX maintains comprehensive records as part of our AML compliance program:

  • Customer Identification Records: Copies of identification documents, verification results, and due diligence assessments are retained for a minimum of five (5) years after the end of the business relationship.
  • Transaction Records: Records of all transactions, including purchase history, payout requests, and associated wallet addresses, are retained for a minimum of five (5) years from the date of the transaction.
  • Communication Records: Records of relevant communications with users regarding AML matters are maintained for a minimum of five (5) years.
  • SAR Records: All SARs and supporting documentation are retained for a minimum of five (5) years from the date of filing.

6. Staff Training

All relevant employees and contractors receive regular training on AML/CFT obligations, including:

  • Identification and reporting of suspicious activity indicators.
  • KYC and customer due diligence procedures.
  • Updates on regulatory requirements and emerging financial crime trends.
  • Company-specific AML policies and procedures.
  • Roles and responsibilities in maintaining AML compliance.

Training is provided upon onboarding and refreshed at least annually or when significant regulatory changes occur.

7. Compliance Officer

FundingAlphaX has designated a Compliance Officer responsible for the oversight and implementation of this AML policy. The Compliance Officer is responsible for:

  • Overseeing the day-to-day implementation of the AML program.
  • Reviewing and updating AML policies and procedures.
  • Filing SARs and other regulatory reports as required.
  • Coordinating with external auditors and regulatory bodies.
  • Ensuring adequate training is provided to all relevant personnel.

8. Policy Review

This AML Policy is reviewed and updated at least annually, or more frequently as necessary to reflect changes in applicable laws, regulations, or business operations. Any material changes will be posted on this page with an updated effective date.

9. Contact Information

If you have questions about this AML Policy or wish to report suspicious activity, please contact our compliance team at [email protected].

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