AML & Compliance Policy

Anti-Money Laundering · Bank Secrecy Act · FinCEN Compliance

Our Regulatory Obligations

As a registered MSB, MezanCash complies with:

• Bank Secrecy Act (BSA)
• FinCEN regulations for money services businesses
• USA PATRIOT Act requirements
• OFAC sanctions screening requirements

Know Your Customer (KYC)

All users must complete identity verification before using transfer or card features. We collect and verify:

• Government-issued photo ID (passport, national ID, driver's license)
• Proof of address (utility bill or bank statement)
• Selfie with ID for liveness verification
• Date of birth and full legal name

Transaction Monitoring

We monitor all transactions for suspicious activity. Transactions may be delayed, held, or reported to authorities if they:

• Exceed reporting thresholds ($10,000+ in a single day)
• Show patterns consistent with structuring or layering
• Involve sanctioned individuals or countries
• Appear inconsistent with the user's stated purpose

Currency Transaction Reports (CTR)

We are required by law to file Currency Transaction Reports for cash transactions exceeding $10,000. We cooperate fully with law enforcement and regulatory agencies.

Suspicious Activity Reports (SAR)

We file Suspicious Activity Reports when we detect activity that may involve money laundering, fraud, or other financial crimes.

Prohibited Activities

• Money laundering or structuring transactions to avoid reporting
• Funding terrorism or dealings with sanctioned parties
• Fraud, identity theft, or unauthorized account access
• Use of MezanCash for illegal goods or services

Reporting Concerns

If you suspect fraudulent activity or money laundering involving MezanCash, contact us at compliance@oyasend.com. You may also report directly to FinCEN at fincen.gov.