> ## Documentation Index
> Fetch the complete documentation index at: https://support.wepayments.com.br/llms.txt
> Use this file to discover all available pages before exploring further.

# AML and KYC/KYB

> Anti-money laundering policies and customer/business verification requirements at WEpayments.

## Overview

WEpayments maintains a robust [Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF)](https://wepayments.com/policies/policy-for-preventing-and-combating-money-laundering-the-financing-of-terrorism-and-the-proliferation-of-weapons-of-mass-destruction-aml-cft/) compliance program as required by Brazilian law. All customers are subject to verification before and during the use of our platform.

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## Know Your Customer (KYC) — Individuals

Individual accounts (PF) require the following verification:

| Document                | Requirement                        |
| ----------------------- | ---------------------------------- |
| CPF                     | Valid Brazilian tax ID             |
| Government-issued ID    | RG, CNH, or passport               |
| Proof of address        | Issued within the last 90 days     |
| Selfie / Liveness check | Biometric verification via the app |

### Enhanced Due Diligence (EDD)

Additional verification may be required for:

* Politically Exposed Persons (PEPs)
* Customers with transactions exceeding defined thresholds
* Customers from high-risk jurisdictions

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## Know Your Business (KYB) — Legal Entities

Business accounts (PJ) require:

| Document                  | Requirement                                                               |
| ------------------------- | ------------------------------------------------------------------------- |
| CNPJ/ Tax ID              | Active corporate tax ID                                                   |
| Articles of Incorporation | Contrato Social or Estatuto Social                                        |
| Proof of business address | Issued within the last 90 days                                            |
| UBO documentation         | ID and CPF of all beneficial owners with ≥25% stake                       |
| Financial statements      | Most recent audited balance sheet (for accounts above certain thresholds) |

***

## Transaction Monitoring

WEpayments continuously monitors transactions for suspicious patterns, including:

* Unusual volume or frequency of transactions
* Transactions inconsistent with the customer's declared business activity
* Transactions involving high-risk countries or sanctioned parties
* Structuring patterns designed to avoid reporting thresholds

### Suspicious Activity Reports (SARs)

When suspicious activity is identified, WEpayments is legally required to file a Suspicious Activity Report (Comunicação de Operação Suspeita — COS) with COAF, without notifying the customer.

***

## Sanctions Screening

All customers and transactions are screened against:

* **OFAC SDN List** (U.S. Office of Foreign Assets Control)
* **UN Security Council sanctions lists**
* **BCB / COAF sanctioned entities list**
* **Brazil's DRCI (National Justice Department) wanted lists**

Transactions or accounts linked to sanctioned parties will be blocked immediately.

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## Customer Responsibilities

Customers must:

1. Provide accurate and truthful information during onboarding and ongoing reviews
2. Report any material changes in business ownership or structure
3. Not facilitate transactions on behalf of unlicensed or sanctioned third parties
4. Cooperate with WEpayments' compliance team during investigations

***

## Contact

For AML/KYC-related questions or to submit documentation for an ongoing review:

📧 [compliance@wepayout.co](mailto:compliance@wepayout.co)