Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF) Compliance Policy

🛡️ Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF) Compliance Policy

Effective Date: [2026]

Issued by: SyntaxFi Technologies (“SyntaxFi”, “we”, “our”, or “the Company”)

1. Introduction

SyntaxFi is committed to maintaining the highest standards of integrity in its operations. This Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) Policy outlines the measures we adopt to prevent our services from being used to facilitate money laundering, terrorism financing, or any other financial crime.

We comply with applicable global standards, including:

  • The Financial Action Task Force (FATF) Recommendations
  • Relevant regional and national AML/CTF regulations
  • Industry best practices for virtual asset service providers (VASPs) and fintech platforms

2. Purpose

This policy establishes a framework to:

  • Detect, prevent, and report any suspicious activities related to money laundering or terrorist financing;
  • Ensure customer identification and verification procedures (KYC/KYB) where applicable;
  • Protect the reputation, clients, and partners of SyntaxFi;
  • Maintain compliance with legal and regulatory obligations.

3. Scope

This policy applies to:

  • All users of the SyntaxFi platform (individuals, institutions, and affiliates);
  • All employees, contractors, and partners of SyntaxFi;
  • All products, services, and payment mechanisms, including deposits, withdrawals, and trading bots.

4. Compliance Principles

SyntaxFi adheres to the following core AML/CTF principles:

a. Risk-Based Approach (RBA)
We assess the risk profile of users, jurisdictions, and transactions. Higher-risk activities are subject to enhanced due diligence (EDD) and monitoring.

b. Know Your Customer (KYC)
For accounts involving large transactions, third-party integrations, or fiat on/off ramps, SyntaxFi may require:

  • Full legal name
  • Government-issued ID
  • Proof of address
  • Source of funds declaration

Non-custodial crypto interactions that remain on-chain may be subject to simplified or deferred KYC based on transaction volume and risk level.

c. Transaction Monitoring
All transactions processed through the SyntaxFi ecosystem are automatically screened for:

  • Unusual patterns or volume inconsistencies
  • Known suspicious wallet addresses (via blockchain analytics tools)
  • High-risk jurisdictions or sanctioned entities

d. Record Keeping
We securely store relevant transactional and identification data for a minimum of 5 years in compliance with data protection laws.

e. Reporting
SyntaxFi will promptly report suspicious transactions or users to competent authorities when legally required. Internal reports are reviewed by the Compliance Officer before escalation.

5. Roles and Responsibilities

Role Responsibility
Compliance Officer Oversees AML/CTF program, ensures staff training, reviews alerts, and reports to authorities.
Operations Team Implements KYC verification, monitors flagged transactions, and ensures ongoing compliance.
Developers / Tech Team Maintains automated detection systems and blockchain analytics integrations.
Users Must provide accurate information and avoid using SyntaxFi for any unlawful activity.

6. Prohibited Activities

  • Using the platform for money laundering or terrorism financing;
  • Funding from or transfers to OFAC-sanctioned countries or entities;
  • Using mixers, tumblers, or privacy tools to obscure the origin of funds;
  • Engaging in scams, fraud, or Ponzi-type schemes.

7. Training & Awareness

All SyntaxFi staff and partners receive AML awareness training covering:

  • Detection of suspicious activities;
  • KYC best practices;
  • Reporting obligations and procedures.

8. Cooperation with Authorities

SyntaxFi cooperates fully with financial regulators, law enforcement, and blockchain analytics partners where legally required. However, SyntaxFi preserves user privacy in accordance with data protection regulations (GDPR, NDPR) and only discloses information under lawful requests.

9. Review and Updates

This AML Policy is reviewed annually or upon any major regulatory change. Updates will be published on the SyntaxFi website and communicated to users where relevant.

10. Contact

For questions or compliance inquiries, contact:

⚖️ Disclaimer

SyntaxFi provides non-custodial automated trading services. Users remain responsible for ensuring that their funds are derived from legitimate sources and that their activities comply with their local laws.