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Our commitment
MettaPay is committed to detecting and preventing money laundering, terrorist financing, sanctions evasion, and other financial crime. We maintain a risk-based AML program aligned with FATF recommendations and applicable national laws (including the U.S. Bank Secrecy Act and EU AMLD frameworks where relevant).
Customer identification (KYC / KYB)
We verify the identity of every account holder before enabling escrow, large transfers, or fiat-adjacent flows.
- Tier 0 — Browse: Email + password. No transactions.
- Tier 1 — Basic KYC: Government ID + selfie liveness check. Required to send/receive above small limits.
- Tier 2 — Enhanced KYC: Proof of address, source of funds. Required for high-value escrow.
- KYB (businesses): Incorporation documents, beneficial-owner verification (≥25% ownership), EIN/registration, authorized-signatory ID.
Sanctions & PEP screening
All users and counterparties are screened against:
- OFAC Specially Designated Nationals (SDN) list
- UN consolidated sanctions list
- EU consolidated financial sanctions list
- HM Treasury (UK) sanctions list
- Politically Exposed Persons (PEP) databases
Wallet addresses are screened via blockchain-analytics providers for connection to sanctioned actors, mixers, ransomware, darknet markets, and known fraud.
Transaction monitoring
We monitor transactions in real time using rule-based and risk-scored detection for patterns including structuring, velocity anomalies, high-risk geographies, and exposure to flagged addresses. Transactions exceeding configured risk scores are auto-blocked or routed to manual review.
Suspicious activity reporting
Where required by law, we file Suspicious Activity Reports (SARs) with the appropriate financial-intelligence unit. We do not notify subjects of SARs (tipping-off is prohibited).
Prohibited jurisdictions
We do not provide services to users in: Iran, North Korea, Syria, Cuba, or the Crimea, Donetsk, and Luhansk regions of Ukraine, plus any other jurisdiction subject to comprehensive sanctions. Additional restrictions apply to specific products and may be updated as regulations evolve.
Record keeping
KYC documentation, transaction records, and compliance investigations are retained for a minimum of 5 years after the relevant transaction or account closure, or longer where required by law.
Compliance contact
Law-enforcement requests, subpoenas, and compliance inquiries: compliance@mettapays.com.