Legal · AML Program

DMNDX Anti-Money Laundering Program (Public Summary)

Effective Date: January 2026

1. Purpose of the Program

DMNDX maintains a Bank Secrecy Act-compliant AML/CFT program to detect and prevent money laundering, fraud, and illegal activity across DOBe Pay, Times Card, DXEL, Xiibiit, and earnings systems.

2. Customer Identification (KYC)

Users must complete KYC verification through Stripe. Enhanced checks may be required for higher-risk activity.

3. Sanctions Screening

All users are screened against OFAC, sanctions, and politically exposed person lists. Matches result in account restriction.

4. Transaction Monitoring

DMNDX monitors for suspicious patterns including rapid transfers, structuring, account takeovers, marketplace fraud, and abnormal Times Card activity.

5. Suspicious Activity Reports

DMNDX files SARs with FinCEN when required. SARs are confidential and cannot be disclosed to users.

6. Recordkeeping

DMNDX maintains required records for 5–7 years for regulatory compliance.

7. Prohibited Activity

DMNDX prohibits money laundering, fraud, identity theft, counterfeit goods, manipulation of Xiibiit, earning fraud, and misuse of financial systems.

8. Training & Oversight

Employees and automated systems follow regular AML training, audits, and oversight coordinated with Stripe and Evolve Bank.

9. Contact

compliance@dmndx.live for AML-related questions (non-confidential inquiries).