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Trust & Safety

Your money is protected
at every step

Bank-grade security, Canadian regulatory compliance, and real-time monitoring — so you can send with confidence.

256-bit AES Encryption

All data in transit and at rest is encrypted with the same standard used by Canadian banks. Your financial information is never exposed.

KYC Identity Verification

Every user is identity-verified before sending. We use document scanning and biometric matching to confirm who you are.

AML Transaction Monitoring

Every transfer is screened by our AI risk engine against OFAC, UN, and Canadian sanctions lists in real time.

FINTRAC MSB Compliance

We are preparing for FINTRAC Money Services Business registration. All transactions are structured to meet Canadian AML/CTF obligations.

Immutable Audit Trail

Every action — login, transfer, admin operation — is logged to a tamper-evident audit trail available for regulatory review.

Rate Lock & Funds Protection

Your funds are held in segregated accounts during transfer. Rate locked for 15 minutes from initiation with automatic refund on failure.

Compliance Status

Regulatory Framework

Building Canada's most compliant cross-border transfer platform

In Progress

FINTRAC MSB

Money Services Business registration under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act

Active

AML/CTF Policy

Comprehensive Anti-Money Laundering and Counter-Terrorist Financing policies, procedures, and controls

Active

KYC/CDD

Know Your Customer and Customer Due Diligence program with enhanced due diligence for high-risk customers

For Your Protection

How we keep your money safe

1
Segregated Funds
Your money is held in dedicated client accounts, separate from M-MONEYS operating funds. We cannot use your funds for any other purpose.
2
Multi-Factor Authentication
All accounts require email verification. We recommend enabling 2FA for additional security. Admin accounts require 2FA by default.
3
Suspicious Activity Detection
Our AI monitors behavioral patterns, transaction velocity, and device fingerprints. Unusual activity triggers automatic hold and review.
4
Secure Communications
All account emails use DKIM/SPF/DMARC authentication. We will never ask for your password via email or phone.
5
Data Retention & Privacy
We retain transaction data as required by Canadian AML law (minimum 5 years). Personal data handled under PIPEDA compliance.

Questions about security?

Our compliance team is available to answer any questions about how we protect your funds and data.

Contact Compliance Team