1. Introduction

Pixelex is committed to adhering to all regulatory requirements regarding Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF). This KYC policy outlines the procedures for customer identification and verification to prevent money laundering and financing of terrorism.

2. Objectives

  • To ensure compliance with AML and CTF regulations.
  • To prevent Pixelex from being used for money laundering or terrorist financing activities.
  • To ensure the integrity of the financial system and maintain a high level of customer trust.

3. Customer Identification Procedures

3.1 Initial Customer Identification

The initial identification of a customer involves verifying and recording the customer's identity using the following method:

  • Customers send documents, and verification is performed through the screening provider.

The procedure includes establishing whether the customer is a Politically Exposed Person (PEP) and checking if the customer is subject to any international sanctions.

3.2 Identification of Natural Persons

For natural persons, identification is performed by checking the customer's identity card, recording their identification data, and verifying the appearance of the customer with the image on the identity card.

3.3 Identification of Legal Entities

For legal entities, identification includes verifying the entity itself, its statutory body members, controlling persons, and beneficial owners. The procedure involves:

  • Obtaining and recording information about the entity's ownership and management structure.
  • Identifying and verifying the beneficial owners.
  • Ensuring that representatives have the necessary authorization (e.g., power of attorney).

4. Enhanced Due Diligence (EDD)

EDD is required in the following scenarios:

  • When dealing with customers from high-risk third countries.
  • Prior to executing transactions related to high-risk third countries.
  • When entering into business relationships with PEPs.

EDD measures include obtaining additional documents or information about the beneficial owner, the intended nature of the business relationship, and the source of funds. These documents should be verified from multiple credible sources, and the business relationship should be regularly and intensively monitored.

5. Ongoing Monitoring

Pixelex will continuously monitor customer transactions to detect suspicious activities. This involves:

  • Assessing the volumes and types of transactions.
  • Requiring additional information if a customer's risk profile changes.
  • Ensuring compliance with international sanctions by regularly checking customer information against sanction lists.

6. Record Keeping

All identification and verification records must be kept for at least five years after the termination of the business relationship. These records should include:

  • Copies of identification documents.
  • Evidence of verification processes.
  • Transaction records and the nature of the business relationship.

7. Jurisdictions of Users’ Residency

Black List

High Risk

Low Risk

AbkhaziaAland Islands Australia
AfghanistanEAlbaniaFAustria
Akrotiri and DhekeliaAlgeriaBelgium
AntarcticaAngolaCyprus
ArtsakhAnguillaCzech Republic
Burkina FasoHRAntigua and BarbudaDenmark
Central African RepublicArgentinaEstonia
Congo (Democratic Republic of)EArmeniaFinland
CrimeaArubaFrance
Donetsk People RepublicAshmore and Cartier islandsGermany
HaitiHRAzerbaijanGreece
HawaiiBahamasIreland
Heard Islands and McDonalds IslandsBahrainItaly
IranHRBangladeshLatvia
KosovoBelarusLithuania
LibyaBelizeLuxembourg
Lugansk People RepublicBeninNetherlands
MaliHRBermudaNorway
MyanmarHRBhutanPoland
NicaraguaHRBoliviaPortugal
North Korea (Republic of)HRBonaireSlovakia
PakistanHRBosnia and HerzegovinaSlovenia
Palestinian TerritoryBotswana Spain
SomaliaBouvet islandsSweden
South OssetiaBrazilSwitzerland
South SudanHRBritish Indian Ocean TerritoryUnited Kingdom of Great
SyriaHRBritish Virgin Islands
TransnistriaBrunei
Us Minor Outlying IslandsBulgaria
Us Virgin IslandsBurundi
USACambodiaHR
Western SaharaCameron
YemenHRCanada
ZimbabweCanary Islands
Cape Verde
Caribbean Netherlands
Cayman IslandsHR
Ceuta
Chad
Chile
China People Republic
Christmas Island
Clipperton Islands
Cocos (Keeling) Island
Columbia
Comoros
Congo
Cook Islands
Coral Sea Islands
Costa Rica
Croatia
Cuba
Curacao
Djibouti
Dominica
Dominican Republic
Eastern Island
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Eswatini
thiopia
alkland Islands
aroe Islands
ederated States of Micronesia
iji
rench Guiana
rench Polynesia
rench Southern Territories
abon
ambia
eorgia
hana
ibraltarF
reenland
renada
uadeloupe
uam
uatemala
uernsey
uinea
uinea Bissau
uyana
onduras
ong Kong
ungary
celand
ndia
ndonesia
sle of Man
srael
vory Coast (Côte d'Ivoire)
amaicaHR
apan
ersey
ordanHR
Kazakhstan
Kenya
Kiribati
Korea (Republic of)
Kuwait
Kyrgyzstan
Laos
Lebanon
Lesotho
Liberia
Liechtenstein
Madagascar
Madeira
Malawi
Malaysia
Maldives
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Melilla
Mexico
Moldova
Monaco
Mongolia
Montenegro
Montserrat / brit
MoroccoHR
Mozambique
Namibia
Nauru
Navassa island
Nepal
New Caledonia
New Zealand
Niger (The)
Nigeria
Niue
Norfolk Island
North Macedonia
Northern Mariana Islands
Oman
Palau
PanamaHR
Papua
Papua New Guinea
Paraguay
Peru
PhilippinesHR
Pitcairn / brit
Puerto Rico
Qatar
Reunion
Romania
Russia
Rwanda
S. Georgia & S. Sandwich Isl
Saba
Saint Barthelemy
Saint Helena, Ascension and Tristan da Cunha
Saint Kitts and Nevis
Saint Lucie
Saint Martin
Saint Pierre and Miquelon
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
SenegalHR
Serbia
Seychelles
Sierra Leone
Singapore
Sint Eustatius
Sint Maarten
Solomon Island
South Africa
Sri Lanka
St. Vincent and The Grenadines
Sudan
Surinam
Svalbard and Jan Mayen / Norway
Taiwan
Tajikistan
Tanzania
Thailand
Timor-Leste
Togo
Tokelau Island / New Zealand
Tonga
Trinidad and TobagoE
Tunisia
TurkeyF
Turkmenistan
Turks & Caicos Islands
Tuvalu
UgandaHR
Ukraine
United Arabic Emirates F
Uruguay
Uzbekistan
VanuatuE
Vatican City State
Venezuela
Vietnam
Wake island
Wallis and Futana / France
West Papua
Zambia

This KYC policy is integral to Pixelex’s commitment to preventing money laundering and terrorist financing. By adhering to these procedures, Pixelex aims to protect its operations and contribute to the global effort against financial crime.

This Policy is approved by Senior Management of the company.

Effective from May 2024