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 payment instructions and compliance metadata. 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.
- Sent to
requires_action. - 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 payment metadata, status transitions, and review states to support audit and reconciliation.