Regulated infrastructure.
Operator-built compliance.
iTransfr is registered as a Money Services Business with FinCEN, registered with Banco Central do Brasil, and holds payments licensing in multiple jurisdictions. Our compliance program was built by a team that has moved capital across international markets for over 15 years and understands the regulatory environment from the inside.
Regulatory registrations
We operate through licensed entities in each jurisdiction. Banking deposits in the United States are held at FDIC-insured partner institutions. iTransfr is a technology and payments company, not a bank.
Two entities registered with FinCEN as Money Services Businesses. U.S. customer deposits held at FDIC-insured partner institutions.
Registered with Banco Central do Brasil as a financial intermediary. Authorized to facilitate cross-border payments and FX transactions.
Payments service license application in progress with the Hong Kong Monetary Authority.
Our compliance program
A five-pillar program covering the full client lifecycle, from pre-onboarding screening through ongoing transaction monitoring.
KYC / KYB Onboarding
Every client goes through identity and business verification before onboarding. We verify government-issued ID, business registration documents, certificate of incorporation, and beneficial ownership structure. Individuals with 25% or greater ownership are verified directly.
Sanctions Screening
All clients and counterparties are screened against OFAC SDN, UN Security Council, EU Consolidated, HM Treasury, and open-source sanctions lists at onboarding and on an ongoing basis. Any match triggers immediate review and escalation to our compliance team.
Adverse Media
Automated adverse media screening across thousands of sources in multiple languages, covering financial crime, fraud, corruption, and regulatory enforcement. Screening runs at onboarding and refreshes continuously on active client profiles.
Enhanced Due Diligence
Clients with elevated risk profiles — based on jurisdiction, business type, transaction volume, or screening results — are subject to EDD. This includes source-of-funds documentation, additional beneficial ownership review, and senior management sign-off.
Transaction Monitoring
Real-time monitoring across all payment flows. Automated rules flag structuring, layering, unusual counterparty patterns, and threshold breaches. Flagged transactions go to manual review. Suspicious activity is reported to the relevant financial intelligence unit as required by law.
What we need from you
Our onboarding process is thorough but designed to move fast. Most businesses complete KYB verification within 48 hours of submitting complete documentation.
- ✓Government-issued photo ID (passport preferred)
- ✓Proof of address (utility bill or bank statement, dated within 90 days)
- ✓Source of funds declaration for transfers above applicable thresholds
- ✓Certificate of incorporation or equivalent
- ✓Articles of association or operating agreement
- ✓Proof of business address
- ✓Ownership structure chart with UBO disclosure (25%+ threshold)
- ✓Government-issued ID for all beneficial owners and authorized signatories
- ✓Most recent audited financials or bank statements (where applicable)
- ✓Description of business activities and expected transaction profile
Additional documentation may be requested based on jurisdiction, business type, or transaction profile. Elevated-risk clients are subject to Enhanced Due Diligence before account activation.
Compliance inquiries
For regulator requests, RFIs, subpoenas, or compliance-related questions, contact our compliance team directly.
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