Customer due diligence
- Mandatory identity verification (government ID + selfie) before funding or card issuance.
- PEP and sanctions screening at onboarding and on an ongoing basis.
- Enhanced due diligence for higher-risk users, geographies, or transaction patterns.
Ongoing monitoring
- Automated and manual transaction monitoring with risk scoring.
- Risk-based limits, temporary holds, or additional verification when needed.
- Suspicious activity reporting to competent authorities as required by law.
Prohibited use
Use of X Money is prohibited for sanctions evasion, illicit finance, fraud, terrorist financing, market manipulation, and any unlawful activity.
Record keeping
KYC records, transaction logs, and investigation materials are retained according to applicable regulatory retention requirements.
Cooperation and enforcement
Accounts that trigger compliance concerns may be reviewed, restricted, or closed. We cooperate with lawful requests from regulators and law enforcement.