Compliance

COMPLIANCE

Volt Merchant operates a compliance-aligned B2B settlement infrastructure designed for PSP operators, aggregators, and treasury systems. Our settlement model bridges crypto custody with local payout rails using a licensed-first roadmap and strict non-consumer exposure.

Our compliance framework is engineered for jurisdictions where digital assets and local liquidity can legally support cross-border settlement under a B2B model without retail issuance.

Business Model & Scope

Volt Merchant operates as a corridor settlement infrastructure, not a consumer wallet, exchange, or remittance company.

We do not:

✖ issue consumer accounts
✖ hold client balances on behalf of retail users
✖ provide P2P trading
✖ enable FX speculation or brokerage
✖ facilitate retail cash-out services
✖ onboard retail consumers

We only support:

✔ enterprise PSP operators
✔ gaming/payment aggregators
✔ merchant treasury teams
✔ institutional settlement flows

This allows corridor settlement to operate within a non-retail framework while remaining compatible with future PSP licensing upgrades.

Crypto Custody & Settlement

We utilize institutional custody and treasury routing for digital asset settlement.

Current crypto custody stack:

✔ Binance Institutional Routing (Self-managed)
✔ USDT (TRC20) Settlement Rail
✔ Treasury conversion layer
✔ Proof-of-settlement logs

Digital assets are not held on behalf of retail users and are only used to support corridor liquidity and treasury flow allocation.

Local Wallet Rails (BDT Corridor)

Local fiat payout rails include:

✔ bKash
✔ Nagad
✔ Rocket
✔ Local Bank Transfer

These payout rails are used exclusively for:

→ PSP settlement
→ Operator treasury → Operator allocation
→ Deposit & Withdrawal slot routing (iGaming cluster)

No consumer banking services are provided.

Licensing Roadmap

Volt Merchant currently operates under a B2B PSP corridor settlement framework, with no consumer money transmission activity.

Licensing roadmap includes:

Phase 1 — Operational

✔ B2B corridor settlement
✔ Crypto custody routing
✔ No consumer wallets

Phase 2 — Regulatory Alignment

✔ PSP registration (Jurisdiction-dependent)
✔ VASP compliance (Custody & asset transfer)

Phase 3 — Licensing Expansion Targeted jurisdictions:

— Georgia (PSP/VASP)
— Lithuania (EMI + VASP)
— Cyprus (Payment + VASP)
— UAE (VARA VASP)
— EU passporting for corridors
— UK (PSP registration)

Phase 4 — Global Corridor Expansion Upcoming corridors:

USDT → PKR
USDT → INR
USDT → LKR
USDT → MMK
USDT → PHP

Compliance Boundaries

To maintain legality and risk alignment, Volt Merchant does not support:

✖ retail remittance
✖ peer-to-peer exchange
✖ card processing
✖ fiat FX brokerage
✖ retail balance storage
✖ consumer investment products

Supported compliant use-cases:

✔ PSP treasury settlement
✔ Merchant allocation routing
✔ B2B corridor liquidity operations
✔ Aggregator treasury reconciliation
✔ Digital asset → Local payout rails

AML/KYC Framework

Our AML boundary is designed for B2B operators only.

KYC/AML includes:

✔ Operator onboarding
✔ KYB documentation
✔ Corporate verification
✔ Beneficial ownership (UBO) checks
✔ Volume & exposure declaration
✔ Corridor-specific allocation profile

We do not perform retail KYC since we do not onboard end-consumers.

Reporting & Reconciliation

Compliance logs are generated for all operational flows, including:

✔ Settlement confirmations
✔ Treasury reconciliation
✔ Corridor exposure mapping
✔ Wallet rail reports
✔ Spread & fee statements
✔ Volume-based invoice summaries

Custom reporting is available for PSP and gaming clusters.

Legal Positioning

Volt Merchant positions itself under:

"Infrastructure for PSP settlement"
not under "consumer money transmission"

This allows pairing with PSP operators without exposing retail compliance obligations.

No Regulatory Trigger Zones (Important)

We avoid regulatory triggers such as:

✖ Consumer FX
✖ Cross-border remittance to individuals
✖ Spot trading
✖ Currency brokerage
✖ Local on/off ramp retail issuance
✖ Card acquiring

This ensures corridor alignment while keeping licensing manageable.

Risk Management & Safeguards

Risk layers include:

✔ Volume caps
✔ Liquidity buffers
✔ Corridor throttling
✔ Wallet segregation
✔ Transaction audit logs
✔ Treasury exposure controls

Future enhancements:

→ Institutional custody
→ Separate treasury accounts
→ Jurisdictional licensing
→ Compliance automation

Classification Summary

Volt Merchant is best classified as:

"B2B corridor treasury settlement & payout rails infrastructure"

Not as:

✖ Exchange
✖ Remittance provider
✖ Consumer fintech
✖ Bank
✖ Brokerage

Transparency Policy

We maintain transparency across:

✔ Fees
✔ Spread
✔ Corridor exposure
✔ Local payout rails
✔ Treasury allocation
✔ Custom settlement windows

No hidden fees, no retail markup.