AML POLICY INNVATIA
All transactions conducted through INNVATIA must comply with strict criteria of legality, ethics, and regulation. We ensure that every transaction on the platform adheres to applicable regulatory frameworks, promoting a safe and reliable environment both for our users and for the financial ecosystem at large.
As an intermediary in the buying and selling of digital assets, we adopt a comprehensive compliance framework to prevent the use of our services for illegal purposes such as money laundering, terrorism financing, or any activity that violates Mexican and international financial regulations.
Our compliance system is designed based on the principles of prevention, monitoring, risk assessment, evidence preservation, and active collaboration with authorities. This framework is continuously updated in line with technological and regulatory developments in the digital ecosystem.
CUSTOMER IDENTIFICATION PROCESSES (KYC)
Before granting access to our commercial functions, INNVATIA requires all users to undergo a thorough identification and validation process.
Required data includes:
- • Valid official photo ID.
- • Proof of address (recent).
- • Verified contact information.
- • Declaration regarding the origin and nature of funds.
The level of review may be extended if the customer profile shows warning signs or if transactions involve high amounts or sensitive jurisdictions.
RISK CLASSIFICATION AND MANAGEMENT BY USER TYPE
INNVATIA constantly evaluates the risk level associated with each user using objective criteria such as:
- • Transaction patterns and volume.
- • Customer nationality and location.
- • Declared economic activity.
- • Presence on restrictive lists such as OFAC, FATF, or other official sources.
Users classified as “high risk” will be subject to enhanced controls and, in certain cases, operational restrictions or preventive freezing of funds, in accordance with applicable regulations.
DETECTION OF UNUSUAL OR SUSPICIOUS TRANSACTIONS
We employ an intelligent automated monitoring system that detects atypical behaviors in transactions in real time. Each alert is reviewed by our compliance team, who assess its relevance and, if necessary, initiate reporting to authorities. Among other criteria, the system monitors:
- • Discrepancies between historical and current behavior.
- • Split or repetitive transfers without justification.
- • Connections with wallets located in high-risk jurisdictions.
SECURE RECORD KEEPING
INNVATIA maintains, in compliance with the Federal Law for the Prevention and Identification of Operations with Illicit Resources (LFPIORPI), a protected database containing all documentation and traceability related to the following, which will be securely stored and made available for delivery to financial authorities when required:
- • User identification.
- • Transaction history.
- • Risk analysis reports.
TRAINING
All personnel with access to operational, administrative, or security functions must complete training programs on:
- • Detection of risk patterns and warning signs.
- • Use and analysis of monitoring tools.
- • Local and international regulations.
These trainings are updated biannually and form part of our strategy to ensure an informed and effective response to suspicious incidents.
REGULATORY AUTHORITIES
When an operation meets the criteria for suspicious activity, INNVATIA will block the user and, if necessary, notify the competent authorities.
REVIEW AND AMENDMENTS TO THIS POLICY
INNVATIA may modify this policy at any time to adapt to new regulatory obligations or emerging threats.
