Anti-Money Laundering (AML) & Know Your Customer (KYC) Policy Statement

1. Tiered Verification Model

KYC Tier · Micro: Email verification and country-of-residence for standard Spark purchases.

KYC Tier · Institutional/Advanced: Higher volumes trigger government ID, proof of address, and PEP screening via partner pipelines.

2. Automated Fraud & Sanctions Screening

Wallet destinations and fiat sessions are screened against OFAC SDN, EU sanctions, and illicit-address intelligence. Flagged mixer or sanctions links block Spark processing.

3. FinCEN, FATF Travel Rule & Recordkeeping

Where required under U.S. FinCEN MSB rules and partner obligations, verification steps, session metadata, and suspicious activity reports are maintained. Travel Rule disclosures apply to qualifying VASP transfers. This statement supplements — does not replace — partner bank policies.

4. Compliance Contact

AML/KYC inquiries: legal@volkovintelligence.com · compliance@clarity-fintech.com · Volkov Intelligence Systems L.L.C., Sandy, Utah, USA.

Corporate Registry & Compliance Verification Index

• Master Legal JSON (`GET /v1/legal/master`)
• Master Legal Infrastructure (Revision 2026.4)
• Legal document index (`GET /v1/legal`)
• Utah Division of Corporations & Commercial Code
• U.S. Treasury OFAC sanctions programs
• FATF virtual assets & VASP guidance
• ESMA Markets in Crypto-Assets (MiCA)
• CLRTY pre-genesis ICO compliance funnel
• Clarity Fintech open-source (GitHub)
• Security audit & launch readiness (GitBook)
• Platform status (status.clarity-fintech.com)
• Institutional regulatory opinion summary (GitBook)
• Legal & compliance contact: legal@volkovintelligence.com
• Product compliance: compliance@clarity-fintech.com
• Privacy requests: privacy@volkovintelligence.com
• Data Protection Officer: dpo@volkovintelligence.com