Security & Compliance

Bankto maintains the highest standards of security, compliance, and regulatory adherence to protect our operators, agents, and customers.

Security Infrastructure

End-to-end encryption for all data transmission

Multi-signature wallet architecture for fund security

Hardware security modules for key management

Real-time fraud detection and prevention systems

Regular security audits and penetration testing

Compliance Standards

GDPR compliant data processing and storage

AML/KYC procedures for all users and transactions

Sanctions screening and watchlist monitoring

Transaction monitoring and suspicious activity reporting

Regular compliance audits and regulatory reporting

Compliance Certifications

ISO 27001

Information security management system certification ensuring robust data protection and security controls.

SOC 2 Type II

Service organization control certification demonstrating security, availability, and confidentiality controls.

GDPR Compliant

Full compliance with General Data Protection Regulation for processing personal data of EU residents.

Regulatory Compliance

Anti-Money Laundering (AML)

Bankto implements comprehensive AML procedures including customer due diligence, transaction monitoring, and suspicious activity reporting. All users must complete KYC verification before accessing platform services.

• Customer identification and verification
• Beneficial ownership verification for business accounts
• Ongoing transaction monitoring
• Suspicious activity reporting to authorities
• Record retention for regulatory audits

Know Your Customer (KYC)

Bankto requires all users to complete KYC procedures to verify identity and assess risk. This includes document verification, address verification, and source of funds verification.

• Government-issued ID verification
• Address verification with utility bills or official documents
• Source of funds verification
• Risk assessment based on user profile
• Periodic re-verification for high-risk users

Sanctions Screening

Bankto screens all users and transactions against international sanctions lists including OFAC, EU, and UN lists to prevent financing of terrorism and other prohibited activities.

• Real-time screening against OFAC SDN list
• EU sanctions list screening
• UN sanctions list screening
• Ongoing monitoring for list updates
• Immediate action on matches

Data Protection & Privacy

Bankto is committed to protecting the privacy and security of all personal data. We comply with GDPR, CCPA, and other international data protection regulations.

• Encrypted storage of all personal data
• Limited access to personal data on need-to-know basis
• Regular data protection impact assessments
• User rights including access, rectification, and deletion
• Data retention policies aligned with regulatory requirements
• Third-party data processor agreements with DPAs

Incident Response & Reporting

Bankto maintains a comprehensive incident response plan to address security breaches, compliance violations, and operational issues.

• 24/7 security operations center monitoring
• Incident detection and response procedures
• User notification within 72 hours of data breach
• Regulatory authority notification as required
• Post-incident analysis and remediation
• Regular incident response drills and testing

Security & Compliance Questions?

For security concerns, compliance questions, or to report vulnerabilities, please contact our security team.

[email protected]

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