AML & KYC Policy

1. European Compliance Framework

Simha Fintech sp. z o.o., as a registered entity within Poland, operates in strict compliance with the European Union's Fifth and Sixth Anti-Money Laundering Directives (5AMLD / 6AMLD), the Markets in Crypto-Assets (MiCA) regulation framework, and FATF (Financial Action Task Force) guidelines. Preventative measures against money laundering and counter-terrorism financing (CTF) are hardcoded into our enterprise architecture.

2. B2B Corporate Onboarding (KYB)

Prior to utilizing any Simha Fintech exchange APIs, CaaS white-labels, or custodial vaults, all enterprise clients must undergo exhaustive Know Your Business (KYB) procedures. This includes, but is not limited to:

• Verification of corporate standing via local registries (e.g., KRS, Companies House).
• Identification of all Ultimate Beneficial Owners (UBOs) holding >10% equity.
• Source of Funds and Source of Wealth documentation.
• Board resolution approving the opening of the digital asset account.

3. Ongoing Transaction Monitoring

Through integrated partnerships with leading blockchain forensics firms (Chainalysis, Elliptic), every digital asset deposit and withdrawal running through Simha Fintech infrastructure is screened in real-time. Transactions linked to known darknet markets, sanctioned entities (OFAC, EU Consolidated List), or mixers/tumblers are automatically quarantined and reported to the relevant Polish and EU Financial Intelligence Units (FIU).

4. Non-Cooperative Jurisdictions

Simha Fintech will not establish enterprise relationships with entities registered in jurisdictions blacklisted by FATF, or countries subject to comprehensive European Union embargoes.