Public AML & CTF Compliance Summary

XKV9 Services SRL

Introduction

Company Name: XKV9 Services SRL
Contact: legal@xkv9-services.com
Website: https://xkv9-services.com

Business Description:
XKV9 Services SRL is a Romanian-registered company that operates in the following areas:

1. -Crypto Payment Solutions: Facilitating secure cryptocurrency payments and enabling efficient crypto-to-fiat conversions.
2. -Web3 Wallet Consulting: Assisting clients in setting up and managing decentralized Web3 wallets.
3. -Funds Management Services: Providing centralized and decentralized management solutions for digital assets.
4. -Creative and Development Services: Offering software development, photo, video, voice-over, and marketing services.
   
   

While currently operating on a small scale, XKV9 Services SRL adheres to the highest standards of compliance, ensuring transparency and security across all transactions. This AML/CTF policy is designed to meet the requirements of Romanian Law no. 129/2019, Markets in Crypto-Assets Regulation (MiCA) (EU 2023/1114) and relevant EU Directives, ensuring a solid compliance framework that scales with the company’s growth.

Commitment to Compliance

XKV9 Services SRL is fully committed to adhering to Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations as required by:

1. -Markets in Crypto-Assets Regulation (MiCA) (EU 2023/1114)
2. -Romanian Law no. 129/2019 on AML/CTF
3. -EU AML Directives and Financial Intelligence Unit (ONPCSB) guidelines
   
   

XKV9 Services implements strict compliance measures to prevent financial crime, protect consumers, and ensure market integrity.

Know Your Customer (KYC) & Client Due Diligence

To comply with regulatory requirements, we enforce a robust KYC program, which includes:

• -Identity verification for all customers, including individuals and businesses.
• -Enhanced due diligence (EDD) for high-risk clients and large transactions.
• -Screening against international sanctions lists (EU, OFAC, UN, etc.).
• -Ongoing monitoring to detect suspicious activity.

Transaction Monitoring & Risk Management

XKV9 Services SRL uses advanced blockchain analytics tools to track transactions and prevent illicit activity. Our monitoring includes:

• -Real-time risk assessment using AI-driven compliance tools.
• -Flagging of transactions above €10,000 for additional review.
• -Reporting of suspicious transactions (STRs) to ONPCSB within 24 hours if required.
• -Adapting risk levels based on transaction history and jurisdiction.

XKV9 Services does not forward cryptocurrency to any external wallet unless the recipient has been KYC-verified, and the transaction is based on an explicit, documented instruction from the client. All forwarding activity is recorded in our internal ledger, matched to the client profile, and accompanied by identity, timestamp, and transaction purpose records. This ensures full traceability and mitigates the risk of unauthorized or unregulated remittance flows.

XKV9 Services SRL may hold client-designated funds (crypto or fiat) for up to 30 days to facilitate authorized settlements. If the client fails to request a withdrawal or provide disbursement instructions within that time, XKV9 Services will initiate one of the following actions:

• Return the funds to the originating wallet or account
• Continue holding the funds in a non-operational, isolated account pending written client instructions

At no point will XKV9 assume ownership or use of client funds. Abandoned or dormant funds are flagged and monitored under internal AML procedures. No profit, investment, or redistribution of such funds will occur without explicit legal and contractual authorization.


Consumer Protection & Transparency

We ensure that our clients have clear and accessible information regarding:

• -Fees and transaction terms before execution.
• -Risks associated with cryptocurrency transactions, including market volatility.
• -Secure fund management and compliance with GDPR for data protection.
• -A structured complaint resolution process for customer support.

Regulatory Compliance & Reporting

As Romania finalizes MiCA implementation, XKV9 Services SRL will register with the designated National Competent Authority (NCA). We maintain active cooperation with:

• -ONPCSB (National Office for AML Supervision in Romania)
• -EU regulatory bodies overseeing crypto-asset compliance

XKV9 Services SRL aims to maintain the highest standards of integrity and compliance, ensuring a secure and trustworthy environment for its clients and stakeholders.

Ongoing Compliance Commitment

To uphold the highest industry standards, XKV9 Services SRL:

• -Conducts internal compliance audits and staff AML training annually.
• -Continuously updates AML/CTF policies in line with EU and Romanian regulations.
• -Implements the latest security technologies to prevent fraud and illicit activity.

For further information or compliance-related inquiries, please contact our Compliance Team.
This document serves as a public compliance statement. A full AML & CTF policy is available to regulators and authorized partners upon request.

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