KRFS KYC and AML Policy

This policy sets out how KRFS identifies and verifies customers and investors (Know Your Customer, or KYC) and how it monitors for and reports suspicious activity (Anti-Money Laundering, or AML), in line with applicable regulatory requirements. It applies to every customer and investor onboarded onto the KRFS platform.

Before any financing is disbursed or investor funding is accepted, KRFS verifies identity documents and required supporting information through our KYC provider integration, with manual review for any verification that is not conclusively passed or failed automatically.

Customer and transaction activity is monitored on an ongoing basis for patterns consistent with fraud or money laundering. Flagged activity is escalated to our Fraud & Risk team for manual review and decision.

KYC verification records, decisions, and supporting documents are retained for the period required by applicable regulation, and access to them is restricted to authorized staff on a need-to-know basis.

Where KRFS identifies activity it is required to report under applicable law, it does so through the appropriate regulatory channel. This policy does not disclose internal detection thresholds or escalation criteria, consistent with standard AML practice.