Paybrok

Compliance and Legal Position

This document is a public summary and is not legal advice.

Non-Custodial Model

Paybrok is designed as a non-custodial wallet and protected payment platform. In the base wallet model, users control their wallet credentials and assets on the Stellar network.

AML/CTF Approach

Paybrok applies a risk-based approach to anti-money laundering and counter-terrorist financing controls.

Controls may include:

• Provider review.
• Transaction and order monitoring.
• Sanctions screening.
• Limits or restrictions based on risk.
• Dispute documentation.
• Suspension of suspicious activity.
• Cooperation with lawful requests.

Public Policies

Paybrok maintains public-facing legal and compliance materials such as:

• Terms of Service.
• Privacy Policy.
• AML/CTF Policy.
• Arbitration notice.

Third-Party Providers

Where Paybrok integrates with third-party providers, those providers may have their own:

• KYC requirements.
• Fees.
• Country restrictions.
• Compliance obligations.
• Availability limits.

Paybrok does not store card data or replace third-party compliance requirements.