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

At RooterPay, maintaining the integrity and security of our financial ecosystem is a top priority. We strictly comply with the Money Laundering, Terrorist Financing, and Transfer of Funds (Information on the Payer) Regulations 2017 and operate within the regulatory framework applicable to UK-registered payment institutions.

Our AML and CTF framework is designed to prevent our platform from being misused for illicit purposes, including money laundering, terrorist financing, or other unlawful financial activities.

Our Commitment to Compliance

• RooterPay enforces a zero-tolerance policy toward money laundering, terrorist financing, or the use of our services for illegal or unethical purposes.
• We apply comprehensive identity verification (KYC) for all users and perform continuous transaction monitoring throughout the customer relationship.
• Enhanced Due Diligence (EDD) measures are applied to users, countries, or transactions deemed higher-risk, including cross-border payments involving specific jurisdictions.
• Automated monitoring systems continuously analyze transactional behavior to detect anomalies or patterns indicative of suspicious activity. Alerts are promptly escalated for review by our Compliance Department.
• Our compliance officers are trained to identify, document, and report any suspicious or unusual financial activities in accordance with applicable UK regulations. We actively monitor transactions to detect patterns that may indicate potential money laundering or terrorist financing risks. Where necessary, RooterPay files Suspicious Activity Reports (SARs) with the UK National Crime Agency (NCA) to ensure full regulatory compliance.
   This monitoring applies to all transactions across our operating regions, including permitted corridors such as the UK, EU, Russia, and CIS countries. All reports and investigations are handled confidentially and in strict alignment with the UK’s anti–money laundering standards.
• RooterPay applies enhanced due diligence to Politically Exposed Persons (PEPs) in accordance with regulatory standards. Depending on risk assessment, access to services may be restricted.
• All customers and transactions are screened against UK, EU, and UN sanctions lists. RooterPay ensures that no transfers involve sanctioned individuals, entities, or restricted activities. Transactions to permitted regions, including Russia and select CIS countries, are processed only if they comply with these requirements.

User Responsibilities

• Users must provide accurate and verifiable personal and financial information when registering and while using RooterPay’s services.
• Customers are prohibited from attempting to disguise, withhold, or falsify information related to their identity or the origin of funds.
• Any attempt to bypass AML/CTF controls, use the platform for prohibited transactions, or engage in fraudulent activity will result in immediate account suspension or closure and may lead to reporting to regulatory authorities.

Managing Risk and Regulatory Compliance

• RooterPay follows a risk-based approach to AML/CTF compliance, tailoring monitoring and due diligence levels according to the customer’s risk profile and transaction patterns.
• Our employees undergo regular training and certification to stay informed about current regulations, typologies of financial crime, and internal reporting procedures.
• We continuously review and update our internal controls, screening tools, and operational procedures to remain compliant with the latest UK and international standards.
• Transactions involving prohibited countries or sanctioned jurisdictions are automatically restricted.
   Our platform supports only transfers from cards issued in the UK and EU to cards in Russia and select CIS countries — specifically Georgia (GEL), Armenia (AMD), Uzbekistan (UZS), Kyrgyzstan (KGS), and Tajikistan (TJS).
   Transfers to or from Kazakhstan and other unsupported regions are not permitted.

Safeguarding Our Platform and Users

RooterPay’s AML/CTF strategy is built on transparency, accountability, and the protection of our customers.
 Through continuous monitoring, compliance with regulatory standards, and a proactive approach to risk management, we ensure that our platform remains secure, compliant, and trusted.

For questions or further information about our AML or CTF procedures, please contact our Compliance Team or reach out via info@rooterpay.com