Compliance, in plain terms.

Useroutr Labs, Inc. is registered with the U.S. Financial Crimes Enforcement Network (FinCEN) as a Money Services Business (MSB 31000-258XX). State money-transmitter licensure is in progress; we partner with regulated banking and money-services partners where required by local law.

We maintain similar partnerships and registrations in the EU/EEA, UK, Nigeria, Kenya, and other jurisdictions where the Services are offered. A current list is available on request.

Every business that uses Useroutr completes a Know-Your-Business (KYB) review covering legal entity, ownership structure, beneficial owners, and intended use case. Higher-risk verticals (regulated finance, marketplaces handling consumer funds, etc.) get enhanced due diligence.

For consumer-facing flows, we provide a KYC SDK and hosted flow that satisfies CIP requirements in the U.S. and equivalent rules elsewhere — passport, government ID, selfie liveness, and address verification — backed by tier-1 identity providers.

We screen all account holders, beneficial owners, and counterparties against OFAC, EU, UK HMT, UN, and other applicable sanctions lists, at onboarding and continuously thereafter. Transactions involving sanctioned parties or jurisdictions are blocked at the protocol level.

Our anti-money-laundering program is overseen by a designated AML officer and reviewed annually by an independent third party. We maintain transaction-monitoring rules that flag unusual velocity, structuring, high-risk geographies, and counterparties associated with on-chain illicit activity.

Suspicious activity reports (SARs) are filed with FinCEN and equivalent foreign authorities when applicable. We do not notify customers of SAR filings.

For virtual-asset transfers subject to the FATF travel rule, Useroutr exchanges required originator and beneficiary information with counterparty VASPs using a standardized protocol (Sumsub TRP, Notabene, or equivalent). Customers do not need to manage this themselves.

The Services are currently available to businesses incorporated in the United States, Canada, the EU/EEA, the United Kingdom, Nigeria, Kenya, South Africa, Singapore, the UAE, Mexico, and a growing list of additional jurisdictions. Payouts reach more than 170 countries.

We do not currently support businesses or end-users in Cuba, Iran, North Korea, Syria, the Crimea/Donetsk/Luhansk regions of Ukraine, or other comprehensively sanctioned territories.

Law-enforcement and regulatory inquiries should be directed to legal@useroutr.com. We respond to legally valid requests promptly and only disclose what is required by the request.