AML / KYC Policy

Payr is committed to preventing money laundering, terrorist financing, and sanctions evasion. Although Payr operates an account-less model, we apply risk-based controls to every transaction.

1. Risk-based monitoring

Every order is screened using transaction, payment-card, and technical signals. We use velocity checks, amount thresholds, geolocation, and device/IP heuristics to detect and block suspicious activity.

2. Sanctions screening

We screen transactions against applicable sanctions lists. We do not provide the Service to individuals or entities in sanctioned or restricted jurisdictions, and we screen destination wallet addresses against known illicit-finance indicators.

3. Enhanced verification

For higher-value or higher-risk transactions we may request identity verification (KYC) before a payout is released, in line with applicable thresholds. Transactions may be held pending the outcome of these checks.

4. Reporting and record-keeping

We maintain records of transactions and risk decisions for the periods required by law, and we file reports with the relevant authorities where we are obliged to do so. We will not "tip off" any party where prohibited from doing so.

5. Prohibited activity

Use of the Service in connection with fraud, money laundering, terrorist financing, sanctions evasion, or any unlawful purpose is strictly prohibited and will be reported where required.

6. Contact

Compliance enquiries: support@payr.to.