Moneyport
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Compliance · Perimeter · Oversight

Inside the perimeter, in plain sight.

Moneyport is a non-custodial, institutional-only settlement infrastructure. It never holds client funds, it onboards only regulated institutions, and every event it orchestrates is signed, hashed and available to the supervisor. Compliance is not a department bolted on at the end - it is the shape of the service.

Follow an onboarding
0client funds on Moneyport's balance sheet - ever. Fiat sits in segregated safeguarding accounts at licensed partner banks; tokens are minted 1:1 against it and burned on redemption.
10 yrsretention of every onboarding file, screening result, transaction record and alert decision - off-chain and hash-anchored, available to the supervisor on request.
24 hfrom a confirmed suspicion to a suspicious transaction report prepared by the MLRO. Sanctions and PEP lists are re-screened daily and in real time during open transactions.
3lines of defence - the business, an independent risk and compliance function, and an internal audit function reporting straight to the Board's audit committee.

Onboarding

Six gates before the first settlement

Every participant passes the same journey: automated screening at each stage, a human compliance review over the top, and an onboarding committee - including the MLRO - that signs off before an API key is issued. Seven business days as standard; three for a pre-approved partner. Press play to follow one institution through.

high risk 01Pre-screeningjurisdiction · licence · sector · sanctions 02KYB fileincorporation · licence · signatories · accounts 03Beneficial owners≥10% · identity · PEP · adverse media 04Source of fundsbank confirmation · statements · trade history 05Risk rating & approvallow · medium · high 06Go-liveparticipation agreement · whitelist · API key Enhanced due diligenceboard-level approval · or declined
Pre-screening

  1. An expression of interest arrives through the institutional onboarding portal. Before any documents are requested, four checks run: the institution operates in a FATF-compliant jurisdiction with adequate AML law; its licence is validated with its home regulator; a base risk score is assigned by sector; and the entity is screened in real time against the UN, OFAC, EU and UK sanctions lists and global PEP databases.

  2. The full file is collected and each document verified against its source: certificate of incorporation against the national registry, financial licence against the regulator's portal, articles and share register, board resolution naming authorised signatories, proof of address issued within three months, two years of audited financials reviewed for qualified opinions, a source-of-wealth declaration, and an organisational chart for the ownership tree.

  3. Every beneficial owner at or above 10% is identified and verified individually: e-passport verification with a face match, a check against the global PEP database, automated adverse-media screening, and a separate sanctions re-check per owner. Institutional status does not waive this - the ownership tree is traced even for a bank.

  4. The origin of the funds that will collateralise settlement is documented: institutional bank accounts validated by bank confirmation letter, historical statements reviewed for traceability, at least three historical trades sampled, and the capital source declared. Third-party funding, layered structures or unexplained inflows are referred to the MLRO.

  5. Jurisdiction, entity type, transaction profile, shareholding complexity and licensing history combine into a rating of low, medium or high. The onboarding committee - which includes the MLRO - approves or declines. High-risk profiles go through enhanced due diligence and require board-level approval; onboarding is permitted only for institutions regulated in a FATF-compliant jurisdiction.

  6. The participation agreement is executed digitally. The institution's settlement wallet is whitelisted - or its bank account pre-validated for the fiat model - and a production API key is issued. From this moment the participant is under continuous monitoring, and its compliance identifier links its onboarding file, ownership tree and every settlement it takes part in.