Anti-Money Laundering Policy

1. Our Commitment

InzoPay maintains a zero-tolerance policy for money laundering and the financing of illegal activities. We implement robust controls to detect, prevent, and report suspicious activity. All employees and contractors involved in financial operations are trained on AML obligations.

2. Risk-Based Approach

We adopt a risk-based approach, applying enhanced scrutiny to high-risk merchants, high-value transactions, and unusual patterns. Risk factors include transaction volume, jurisdiction, business type, and source of funds.

Merchants are categorised as low, medium, or high risk based on onboarding information and ongoing transaction monitoring. Higher-risk merchants are subject to enhanced due diligence and more frequent review.

3. Customer Due Diligence (CDD)

Before activating a merchant account, InzoPay performs standard due diligence including identity verification, business registration confirmation, and sanctions screening. Enhanced due diligence is applied when transaction volumes exceed defined thresholds or when risk indicators are present.

Merchants must provide accurate and up-to-date information at all times. InzoPay reserves the right to request additional documentation at any point during the business relationship.

4. Transaction Monitoring

All transactions processed through InzoPay are subject to automated monitoring. Our systems flag activity that deviates from expected patterns, including but not limited to:

• Sudden spikes in transaction volume or value
• Transactions from or to sanctioned wallet addresses
• Round-figure transactions repeated in quick succession
• Rapid withdrawal of received funds with no clear business purpose
• Unusually high refund or reversal rates

5. Suspicious Activity & Account Suspension

When our systems detect suspicious activity, the affected account is placed under review immediately. The merchant is notified by email and the account is temporarily suspended pending investigation. During suspension, no new payment links can be created and no withdrawals can be processed.

InzoPay will complete its investigation within 5 business days. If the activity is determined to be legitimate, the account is restored with no further action. If the investigation confirms a violation or cannot be satisfactorily explained, the account may be permanently closed and the matter reported to the relevant authorities.

InzoPay is required by law to report confirmed suspicious transactions to the appropriate financial intelligence unit without notifying the account holder (tipping-off prohibition).

6. Sanctions Screening

All merchants and their associated wallet addresses are screened against international sanctions lists, including those maintained by the UN, OFAC, and the EU. Transactions involving sanctioned entities are blocked automatically and reported.

7. Blockchain Analytics

InzoPay uses blockchain analytics tools to assess the risk profile of cryptocurrency funds. Transactions involving wallets associated with darknet markets, mixers, ransomware, or other illicit activities are automatically flagged and may be blocked pending review.

8. Record Keeping

InzoPay maintains comprehensive records of all customer due diligence, transaction data, and suspicious activity reports for a minimum of 5 years. These records are available to regulatory authorities upon lawful request.