Global Compliance & Standards
ZPAY is architected to integrate with global regulatory frameworks out of the box — from KYC identity exchange to OFAC sanctions screening and immutable tax audit trails.
Stellar SEP-12 & SEP-24
ZPAY integrates with SEP-12 (Know Your Customer) and SEP-24 (Deposit & Withdrawal) protocols through licensed Stellar anchor partners. These standards govern how user identity is securely exchanged with regulated fiat gateways without ZPAY holding KYC data directly.
Sanctions Screening
Every fiat-bridged transaction is screened against OFAC, UN, EU, and HMT sanctions lists in real time before settlement is authorized. Our compliance engine cross-references counterparty wallet addresses and rejects flagged transactions within milliseconds.
Immutable Audit Trails
Every transaction event is anchored to the Stellar ledger with a cryptographic hash. This creates a tamper-proof, permanent record suitable for business financial auditing, cross-border tax reporting, and enterprise accounting integrations.
GDPR & Data Residency
For users operating within the European Union, ZPAY applies GDPR-compliant data handling. Minimal operational data is retained, subject to user data deletion requests. No personal data is sold or shared with third-party advertising networks.
Compliance Checklist
ZPAY is a non-custodial protocol infrastructure provider. We do not hold funds, offer financial advice, or serve as a licensed money transmitter. Users are responsible for compliance with applicable laws in their jurisdiction. For enterprise compliance inquiries, contact compliance@zpay.route.
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