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AML

Anti-money-laundering controls help prevent misuse of payment infrastructure for illegal activity.

CashXChain model​

CashXChain is designed as an orchestration layer that prepares and checks payment instructions. Regulated partners perform required AML/CFT checks, transaction monitoring, reporting, and execution obligations where applicable.

AML data points​

Payment workflows may require:

  • Originator information.
  • Beneficiary information.
  • Purpose of payment.
  • Source of funds.
  • Invoice or contract references.
  • Counterparty country.
  • Payment amount and frequency.
  • Business activity.
  • Beneficial ownership information.

Monitoring outcomes​

A payment may be:

  • Approved automatically.
  • Delayed for review.
  • Held until more information is provided.
  • Rejected before execution.
  • Returned or restricted after downstream review.

Customer obligations​

Customers must not use CashXChain for prohibited activities. Customers are responsible for providing accurate information and maintaining appropriate controls in their own business.

Auditability​

CashXChain records each payout's status transitions and a snapshot of the payee it was sent to, to support audit and reconciliation.