1. Purpose
This policy explains the identity-verification and anti-money-laundering controls that every ReptoState investor is subject to. It exists to keep illicit funds out of the platform, to protect honest investors, and to satisfy our legal obligations.
2. Documents we require
For Pakistani residents: CNIC (front and back), a selfie or liveness check, proof of address less than three months old. For overseas Pakistanis: passport, selfie or liveness check, proof of address, and FATCA self-declaration where applicable.
3. Verification process
Documents are reviewed by our Compliance Officer (or a delegated KYC officer) within 1–3 working days of submission. We may request additional information for higher transaction tiers or when our screening tools flag something for review.
4. Screening
Every investor is screened against international sanctions lists and politically-exposed-person registers. Matches trigger enhanced due diligence; confirmed sanctions matches result in rejection.
5. Ongoing monitoring
Transactions are monitored in real time. Patterns inconsistent with your declared source of funds, structuring patterns, or other red flags trigger review. We may suspend your account pending the outcome of that review.
6. Refusal of service
We may refuse to onboard an investor, refuse a transaction, or terminate an account at our discretion where required to comply with this policy or applicable law.
7. Complaints
If you believe a KYC or AML decision was made in error, email compliance@reptostate.com.
Last reviewed: 2026-05-01