Security & Compliance
Built with compliance at the core.
Security architecture designed around industry-standard controls for cross-border business payments.
KYB — Know Your Business
Comprehensive Know Your Business verification on all corporate counterparties before payment processing begins. We verify business registration, ownership structure and beneficial ownership.
AML Controls
Anti-money laundering screening and transaction monitoring applied to all payment flows. Suspicious activity is flagged and reviewed before processing.
Sanctions Screening
Real-time screening against international sanctions lists — including OFAC, EU, UN and HM Treasury — for every transaction and counterparty.
Transaction Monitoring
Ongoing monitoring of payment patterns and transaction behavior to detect unusual activity and ensure compliance with applicable regulations.
Beneficiary Verification
Verification of payment beneficiaries before funds are released, including bank account validation and counterparty checks.
Audit Trail
Complete, immutable transaction records and audit logs for every payment, FX conversion and account action — available for compliance and reconciliation.
Data Security
Data is encrypted in transit and at rest. Access controls, role-based permissions and secure infrastructure protect business and payment data.
Payment Approvals
Configurable approval workflows allow businesses to require multi-party sign-off on payments above defined thresholds.
Regulatory Status
Regulatory information will be published as applicable authorizations and partnerships become available. XICUI does not represent itself as a licensed bank unless expressly stated under an applicable banking authorization.
Questions about compliance?
Our team can walk you through our compliance architecture and KYB process.