Compliance first.
Every account, top-up and withdrawal passes through our compliance framework — automated where it should be, human-reviewed where it must be.
KYC & customer due diligence
ID document, selfie liveness and details verification for every customer before the first conversion. Enhanced due diligence — source of funds and wealth — for larger sizes and higher-risk corridors. Full detail on the KYC page.
Sanctions & PEP screening
Every customer is screened at onboarding and re-screened daily against consolidated global sanctions lists, PEP registers and adverse-media sources. Positive matches are reviewed by a human analyst before any activity continues.
Transaction monitoring
Rule-based and behavioural monitoring runs on every top-up, conversion and withdrawal. Unusual patterns trigger investigation; genuine anomalies are cleared quickly, and confirmed suspicion is reported to the relevant Financial Intelligence Unit.
MLRO & governance
A named Money Laundering Reporting Officer owns the framework, reports to the board, and maintains our external relationships with regulators, banking partners and law enforcement.
Safeguarding
Customer balances are held in segregated safeguarding accounts at tier-1 credit institutions, reconciled daily and audited externally. Operating funds never mix with customer money.
Reporting whistleblowing & concerns
Anyone — customer, employee or third party — can report a compliance concern in confidence to compliance@instixfx.io. Reports are triaged by the MLRO within one business day.