AML & Compliance Policy

Non-custodial by design

Planeta Pagos is designed so you hold your own private keys and control your own assets. We do not take custody of your funds through the core wallet.

This architecture protects your financial sovereignty, while still allowing Planeta Pagos and its providers to apply compliance controls to services enabled by external partners (receiving payments, conversion, and bank withdrawals) where applicable.

Sanctions screening

Sanctions screening may be conducted by regulated external providers where applicable, including for receiving payments, converting to USDT, and withdrawing to your bank account. Screening may include checks against OFAC, UN, EU, UK, or other applicable sanctions lists, depending on the provider and jurisdiction.

KYC

Some Planeta Pagos services may require identity verification (KYC). These checks may be handled by external providers rather than by Planeta Pagos directly.

You must provide accurate information when accessing regulated or partner-enabled services. False, misleading, or incomplete information may result in refusal, suspension, or termination of access to those services.

Transaction monitoring

Where applicable, our external providers may monitor transactions, wallet addresses, behavioral patterns, payment flows, or blockchain activity to detect fraud, sanctions exposure, money laundering, terrorist financing, scams, or other illicit activity.

Planeta Pagos may also apply security and abuse-prevention controls to the services it operates directly, such as the website and the waitlist.

Prohibited activity

Planeta Pagos services must not be used for money laundering, terrorist financing, sanctions evasion, fraud, scams, ransomware, trafficking of people or goods, illegal gambling, illegal drugs, weapons, exploitation, stolen goods, market manipulation, or any other unlawful activity.

We may restrict access to features we operate directly, or to services enabled by external partners, if activity appears unlawful, suspicious, abusive, or inconsistent with our applicable policies.

Cooperation with authorities

Planeta Pagos may cooperate with regulators, law enforcement, court orders, or lawful requests where required. Because the wallet is non-custodial, Planeta Pagos cannot seize the private keys a user controls, nor reverse transactions already confirmed on-chain.

Records from services we do operate directly — such as waitlist data or support records — may be reviewed or disclosed where legally required.

Third-party partner compliance

Our providers for receiving payments, conversion, and bank withdrawals may apply their own compliance programs, risk controls, limits, blocked jurisdictions, identity checks, and transaction review processes.

Decisions made by these providers may affect the availability of certain services, even where the non-custodial wallet remains usable.

User responsibility

You are responsible for complying with the laws that apply to you, including tax, sanctions, consumer-protection, digital-asset, and financial-crime regulation. Planeta Pagos does not provide legal, tax, investment, or regulatory advice.

Updates to this policy

We may update this policy to reflect regulatory changes or changes to our compliance processes. Changes will be posted on this page with a revised update date.

Compliance contact

Compliance questions can be sent to hola@planetapagos.com.