Compliance & Risk

Our Commitment

We do NOT help bypass sanctions, KYC, or AML regulations. All transfers are subject to compliance checks and may be blocked, delayed, or frozen if they violate sanctions or financial crime prevention requirements.

Know Your Customer (KYC)

We verify the identity of all users through a partner verification service (SumSub). This process typically requires:

  • Government-issued photo ID (passport, national ID, driver's license)
  • Selfie verification
  • Proof of address (in some cases)

We do not store raw copies of identity documents. Verification data is processed and stored securely by our KYC partner in compliance with data protection regulations.

Anti-Money Laundering (AML)

We screen all transactions for money laundering risk using:

  • Transaction monitoring systems
  • Pattern analysis and behavioral risk scoring
  • Source of funds verification (when required)
  • Enhanced due diligence for high-risk transactions

Suspicious activity may result in transaction delays, requests for additional documentation, or reporting to financial authorities as required by law.

Sanctions Screening

All users and transactions are screened against international sanctions lists, including:

  • OFAC (US Department of Treasury)
  • EU sanctions lists
  • UN sanctions lists
  • HM Treasury (UK) sanctions lists
  • National sanctions lists (Kazakhstan, Russia, etc.)

Blocked Transactions: If a transaction is flagged as potentially violating sanctions, it will be blocked. Funds may be frozen if required by law. We cannot override sanctions-related blocks.

Prohibited Use Cases

The following activities are strictly prohibited:

  • Transactions involving sanctioned individuals, entities, or jurisdictions
  • Money laundering or terrorist financing
  • Fraud, scams, or deceptive practices
  • Purchase of illegal goods or services
  • Transactions designed to evade taxes, sanctions, or capital controls
  • Cryptocurrency purchase/sale (unless explicitly permitted by regulation)

Source of Funds & Source of Wealth

For certain transactions (typically high-value or unusual patterns), we may request:

  • Explanation of the source of funds (e.g., salary, savings, business income, gift)
  • Supporting documentation (e.g., employment contract, bank statements, business records)
  • Source of wealth verification (for very high-value users)

This is a standard regulatory requirement for financial institutions and helps us prevent financial crime.

Reporting

If you suspect fraud, money laundering, or other financial crime, please report it to: compliance@sendsara.com

We are legally required to file Suspicious Activity Reports (SARs) or Suspicious Transaction Reports (STRs) with financial authorities in certain cases. We cannot disclose to customers whether a SAR/STR has been filed.