Regulation, compliance & terms.
instiXFX operates under strict regulatory oversight. Customer funds are safeguarded in segregated accounts and every onboarding runs through full KYC, AML and sanctions screening.
Regulation
instiXFX Global Ltd is a payments and FX firm operating in line with EU/UK payments regulation. Our regulated activities include multi-currency e-money wallets, FX conversion between held balances, card-funded top-ups and SEPA/SWIFT payouts to the customer's own verified bank account.
Compliance framework
Every account is verified with ID document, selfie liveness and automated sanctions/PEP screening. Ongoing transaction monitoring runs on every top-up, conversion and withdrawal. Suspicious activity is escalated to the MLRO and, where required, reported to the relevant Financial Intelligence Unit.
Safeguarding of customer funds
Customer balances are held in segregated safeguarding accounts at tier-1 credit institutions, kept separate from instiXFX operating funds. Withdrawals settle only to a bank account in the customer's own verified name — never to a third party, exchange or OTC counterparty.
Terms of service & privacy
Use of instiXFX is governed by our customer agreement and privacy notice. Personal data is processed under GDPR/UK-GDPR for the strict purposes of onboarding, transaction monitoring and regulatory reporting. Full policy documents are provided in-app before account activation.
Complaints
We aim to acknowledge every complaint within one business day and resolve most within 15 business days. Contact the desk or email support@instixfx.io — unresolved complaints can be escalated to the relevant financial ombudsman.