Compliance

StablePayx strictly complies with the following regulatory requirements: • Monetary Authority of Singapore (MAS) Regulation • Payment Services Act Compliance • Anti-Money Laundering Act Adherence • Counter-Terrorist Financing Act Implementation • Personal Data Protection Act Enforcement We hold Singapore Payment Services License, ensuring all business activities meet regulatory standards.

All users must complete KYC verification: Identity Verification Requirements: • Valid government-issued ID document • Clear photos of ID front and back • Real-time selfie for facial recognition • Complete personal information Address Verification Requirements: • Bank statement or utility bill • Government-issued address proof • Rental agreement or property certificate • Documents must be issued within 3 months Additional Requirements for Business Customers: • Company registration certificate • Articles of incorporation • Director and shareholder identification • Business registration proof

We implement strict anti-money laundering measures: Risk Assessment: • Customer risk level evaluation • Transaction pattern analysis • Source of funds verification • Regular risk reassessment Monitoring Systems: • 24/7 real-time transaction monitoring • Automatic suspicious transaction identification • Abnormal behavior pattern detection • Special review for large transactions Reporting Obligations: • Report suspicious transactions to regulators • Cooperate with law enforcement investigations • Maintain detailed transaction records • Submit regular compliance reports

We strictly enforce international sanctions regulations: Sanctions List Screening: • OFAC (US Treasury Department Sanctions List) • UN (United Nations Sanctions List) • EU (European Union Sanctions List) • Other relevant international sanctions lists Real-time Screening Process: • Screening during customer registration • Daily regular screening updates • Real-time verification before transactions • Synchronization with sanctions list changes Restrictive Measures: • Prohibition of transactions with sanctioned entities • Freezing of suspected account funds • Immediate reporting to regulatory authorities • Cooperation with law enforcement investigations

Customer funds enjoy multiple layers of protection: Fund Segregation: • Customer funds stored independently • Separation from company operational funds • Dedicated bank account management • Third-party custody protection Security Measures: • Multi-signature wallets • Cold storage solutions • Insurance coverage • Regular security audits Risk Controls: • Strict withdrawal limits • Multi-layer authorization verification • Abnormal transaction interception • Emergency freeze mechanisms

We strictly protect customer data: Data Processing Principles: • Lawfulness and transparency • Purpose limitation and data minimization • Accuracy and storage limitation • Integrity and confidentiality Technical Protection Measures: • End-to-end encrypted transmission • Encrypted database storage • Access permission control • Regular security assessments Compliance Framework: • GDPR (EU General Data Protection Regulation) • PDPA (Singapore Personal Data Protection Act) • Industry best practice standards • Third-party security certifications

Transaction limits based on risk levels: Individual Account Limits: • Daily transaction limit: $10,000 USD • Monthly transaction limit: $100,000 USD • Annual transaction limit: $500,000 USD • Minimum single transaction: $50 USD Business Account Limits: • Daily transaction limit: $100,000 USD • Monthly transaction limit: $1,000,000 USD • Annual transaction limit: $5,000,000 USD • Adjustable based on business needs High-Risk Region Restrictions: • Restrictions on specific countries and regions • Enhanced due diligence requirements • Additional document verification • Extended processing times

Building a company-wide compliance culture: Employee Training: • Regular compliance training courses • AML/CFT knowledge updates • Industry regulation interpretation • Practical case analysis Training Content: • Regulatory requirements • Internal compliance procedures • Customer due diligence • Suspicious transaction identification Assessment and Evaluation: • Regular compliance testing • Performance evaluation system • Continuing education requirements • Professional qualification certification

Independent audit and supervision mechanisms: Internal Audit: • Regular compliance audits • Risk assessment reports • Procedure effectiveness checks • Implementation of improvement recommendations External Audit: • Annual independent audits • Professional compliance consultants • Third-party risk assessments • International standard certifications Regulatory Inspections: • Cooperation with regulatory inspections • Timely reporting of major issues • Implementation of corrective measures • Ongoing regulatory communication

Multi-channel reporting and complaint handling: Reporting Channels: • Online reporting form • Dedicated reporting email • Anonymous reporting hotline • Third-party reporting platform Processing Workflow: • 24-hour response after receiving reports • Dedicated personnel for investigation • Regular progress feedback to reporters • Protection of reporter privacy Complaint Resolution: • Quick response to customer complaints • Professional team handling • Reasonable compensation mechanism • Continuous service improvement

Active participation in international compliance cooperation: Regulatory Authority Cooperation: • Information sharing agreements • Joint investigation cooperation • Best practice exchanges • Policy development participation Industry Cooperation: • Financial industry association membership • Compliance standard development participation • Peer experience sharing • Technology innovation collaboration International Standards: • FATF Recommendations implementation • Basel III standard compliance • ISO certification system • International audit standards

For compliance-related questions, please contact us: Compliance Officer Email: compliance@stablepayx.xyz Legal Email: legal@stablepayx.xyz Reporting Email: report@stablepayx.xyz Telegram: @awscloud51 We commit to responding within 48 hours of receiving inquiries, ensuring your questions receive timely and professional answers.