At MoreThanPanel.com, operated collectively by MTP SOLUTIONS LTD (United Kingdom), HYPERTRUST DIGITAL - FZCO (United Arab Emirates), and MTP DIGITAL LTD (Turkey) (referred to as "MoreThanPanel", "we", "us", or "our"), maintaining the highest standards of financial integrity, fraud prevention, and regulatory compliance is paramount.

As a global Business-to-Business (B2B) Social Media Marketing (SMM) infrastructure provider processing high-frequency global payments, MoreThanPanel is committed to preventing its platform, payment channels, and API infrastructure from being used for money laundering, financial crime, terrorist financing, or payment fraud.

This Anti-Money Laundering (AML) & Know Your Customer (KYC) Statement outlines our compliance framework, risk management protocols, and monitoring procedures in full alignment with our Terms of Service, Privacy Policy and Refund Policy.

1. Regulatory Compliance Framework

MoreThanPanel conducts its operations in strict accordance with international financial standards and applicable anti-money laundering laws across our operating legal jurisdictions:

• United Kingdom: Proceeds of Crime Act 2002 (POCA), Terrorism Act 2000, Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, and guidance from the Financial Conduct Authority (FCA).
• United Arab Emirates: Federal Decree-Law No. (20) of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism and Financing of Illegal Organisations, Cabinet Decision No. (10) of 2019, and Central Bank of the UAE (CBUAE) directives.
• Turkey: Law No. 5549 on Prevention of Laundering Proceeds of Crime and Financial Crimes Investigation Board (MASAK) regulations.
• International Standards: Recommendations set forth by the Financial Action Task Force (FATF) and Financial Crimes Enforcement Network (FinCEN).

2. Core AML Principles & Anti-Fraud Standards

To ensure that funds processed through MoreThanPanel originate from legitimate business activities, we adhere to the following core operational principles:

1. No Cash Transactions: MoreThanPanel strictly operates digitally. We do not accept physical cash, money orders, untraceable paper instruments, or third-party cash deposits under any circumstances.
2. Account Balance Restrictions: Account balances on MoreThanPanel are strictly intended for purchasing digital services within our platform. Balance transfers between user accounts are prohibited unless explicitly authorized under verified agency B2B structures.
3. No Financial Intermediary Services: MoreThanPanel is an SMM infrastructure provider, not a bank, payment processor, or digital wallet provider. Account balances cannot be withdrawn to bank accounts, converted into cash, or used as a peer-to-peer money transfer mechanism.
4. Third-Party Payment Rules: Deposits must be made using payment methods (credit/debit cards, bank accounts, corporate crypto wallets) belonging to the registered account holder or authorized corporate entity.

3. Customer Due Diligence (CDD) & KYC Procedures

MoreThanPanel applies a risk-based approach to Customer Due Diligence (CDD). While standard retail registration requires basic verification, high-volume B2B clients, agency partners, API resellers, and flagged accounts undergo enhanced verification.

A. Standard User Verification

Upon registering an account or placing orders, users must provide:

• Full name and valid business/personal email address.
• Account username and secure credential creation.
• System telemetry logging (IP address, device fingerprints, and geolocation data).

B. Enhanced Due Diligence (EDD)

Enhanced Due Diligence (EDD) is triggered under specific conditions, including:

• Accounts making high-volume or cumulative high-value deposits.
• Accounts utilizing corporate wire transfers or business payment gateways.
• Accounts flagged by automated anti-fraud risk scoring systems (e.g., mismatched billing countries, proxy/VPN anomalies, or high-risk card activity).
• Accounts requesting B2B enterprise SLA agreements or custom API rate limits.

When EDD is triggered, MoreThanPanel reserves the right to request the following documentation:

• For Individual Clients: Government-issued photo identification (Passport, National ID, or Driver's License) and proof of address (utility bill or bank statement issued within the last 3 months).
• For Corporate/B2B Clients: Certificate of Incorporation, Tax/VAT registration certificate, official proof of business address, and details of ultimate beneficial owners (UBOs).
• Payment Source Verification: Proof of card ownership or bank statement confirming authorization of the deposited funds.

4. Ongoing Transaction Monitoring & Anomaly Detection

MoreThanPanel utilizes sophisticated automated transaction monitoring tools integrated with our payment gateways and API dispatching nodes to identify suspicious patterns in real-time:

• Deposit Volume Anomalies: Sudden, unexpected spikes in deposit frequency or volume from unverified accounts.
• Payment Method Inconsistencies: Frequent switching between multiple high-risk credit cards or unverified payment sources.
• Velocity & IP Tracking: Rapid deposit attempts originating from changing IP addresses, TOR exit nodes, or high-risk anonymizing proxies.
• Chargeback & Fraud Vectors: Deposits associated with reported stolen cards, unauthorized payment reversals, or fraudulent chargeback attempts.

If a transaction or account is flagged for suspicious financial activity, MoreThanPanel reserves the right to:

1. Temporarily freeze account balance and pause pending orders.
2. Request identity and payment ownership documentation (KYC).
3. Decline or reverse suspicious deposits.
4. Terminate access to API endpoints and dashboard features.

5. Sanctions & PEP Screening

MoreThanPanel strictly complies with international trade and economic sanctions programs administered by:

• The United Nations Security Council (UNSC)
• The UK Office of Financial Sanctions Implementation (OFSI)
• The UAE Executive Office for Control and Non-Proliferation (EOCN)
• The U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC)
• The European Union (EU) Sanctions List

MoreThanPanel does not knowingly process payments, register accounts, or deliver services to individuals or corporate entities listed on global sanctions target lists, or residing in comprehensively sanctioned jurisdictions (including Crimea, Donetsk, and Luhansk regions, Cuba, Iran, North Korea, and Syria).

We also perform enhanced screening on Politically Exposed Persons (PEPs) and their close ssociates when high-value enterprise accounts are established.

6. Suspicious Activity Reporting (SAR) & Law Enforcement Cooperation

MoreThanPanel maintains full operational cooperation with financial intelligence units, law nforcement agencies, and regulatory authorities globally.

• Reporting Obligations: Where we identify reasonable grounds to suspect that funds involve the proceeds of crime, money laundering, or illegal activity, our compliance department will file a confidential Suspicious Activity Report (SAR) / Suspicious Transaction Report (STR) with the appropriate authority (e.g., the UK National Crime Agency [NCA], UAE Financial Intelligence Unit [FIU], or MASAK in Turkey).
• Law Enforcement Requests: Formal legal requests, court orders, or subpoenas from law enforcement authorities regarding account records or transaction logs should be directed to our legal department at legal@morethanpanel.com.
• Non-Disclosure (Tipping Off): In accordance with anti-money laundering legislation, MoreThanPanel is strictly prohibited from notifying users or third parties if a suspicious activity report has been submitted regarding their account.

7. Staff Training & Compliance Governance

To maintain a robust AML posture across our corporate entities (MTP SOLUTIONS LTD, HYPERTRUST DIGITAL - FZCO, and MTP DIGITAL LTD):

• Operational and support personnel receive continuous training on financial crime risks, fraud detection vectors, and AML/KYC protocols.
• Our dedicated compliance officer regularly audits transaction logs, payment gateway risk settings, and verification procedures.
• All customer verification data collected under this Policy is stored securely in accordance with our Privacy Policy and global data protection standards (UK GDPR, EU GDPR, KVKK).

8. Compliance & Legal Contact Channels

For formal AML/KYC inquiries, compliance verifications, or regulatory correspondence, please contact our Legal & Compliance Department

• Legal & Regulatory Compliance: legal@morethanpanel.com
• Billing, Deposits & VAT Verification: invoice@morethanpanel.com
• Enterprise & B2B Partnerships: enterprise@morethanpanel.com
• General & Reseller Support: hello@morethanpanel.com