Actividades prohibidas

Arx Finance LLC is committed to operating as a responsible, compliance-first Money Services Business (MSB). In addition to our own internal risk appetite, we must comply with:

U.S. and international AML/CFT and sanctions regulations,

guidance from standard setters such as the Financial Action Task Force (FATF), and

the risk tolerances of our banking partners, service providers, and compliance vendors.

As a result, Arx Finance LLC will not provide Services to certain persons or business activities, and will treat others as high-risk, subject to enhanced due diligence (EDD) and potential refusal of service.

This page is incorporated by reference into our Terms & Conditions and may be updated from time to time.

1. Prohibited Persons

Arx Finance LLC does not knowingly establish or maintain relationships with the following categories of persons:

Minors

Any individual under the age of 18 is considered below the minimum legal age to use Arx Finance LLC’s Services.

Shell Banks

Banks that lack physical presence in any jurisdiction and are not affiliated with a regulated financial institution are not eligible counterparties.

Sanctioned Persons

Individuals or entities identified on, owned by, or controlled by persons listed on applicable sanctions lists, including those maintained by the U.S. Office of Foreign Assets Control (OFAC), the United Nations, the European Union, or other relevant authorities.

Politically Exposed Persons (PEPs)

Individuals who hold, or have held, prominent public positions (for example, senior government officials, members of parliament, senior executives of state-owned enterprises), as well as their immediate family members and close associates. Arx Finance LLC’s general policy is to refrain from onboarding PEPs. In exceptional cases, where allowed by law and risk-acceptable to our banking partners, PEP relationships may only be considered under strict Enhanced Due Diligence and senior management approval.

Unregulated Financial Institutions

Any financial institution that is not licensed or authorized by a recognized regulatory authority in its jurisdiction to provide financial services, including unlicensed banks, brokers, or payment institutions.

Persons Involved in Serious Illicit Activities

Individuals or entities with verifiable associations to serious criminal activities, such as money laundering, terrorist financing, organized crime, drug trafficking, human trafficking, corruption, large-scale fraud, or other serious predicate offences, as identified through reliable background checks and open-source intelligence.

Residents in Prohibited Jurisdictions

Residents of, or entities formed in, Prohibited Jurisdictions as defined on our Jurisdictions page, or any person otherwise prohibited from receiving services under applicable sanctions regimes or partner requirements.

Arx Finance LLC may refuse or terminate a relationship at any time if it becomes aware that a customer falls into any of the categories above.

2. Prohibited Business Activities

Arx Finance LLC will not knowingly provide Services to customers whose primary business or use of funds involves any of the following activities:

Illegal products or services

Manufacture, distribution, sale, or facilitation of products or services that are illegal under applicable U.S. or international law (including controlled substances, counterfeit goods, and other contraband).

Intellectual property infringement

Products or services that infringe intellectual property rights, including platforms that systematically distribute pirated digital content (software, music, movies, etc.).

Pyramid schemes and similar frauds

Pyramid schemes, Ponzi schemes, “high-yield investment programs” (HYIPs), or other investment-style schemes promising unrealistic or “guaranteed” returns.

Adult content services

Online pornography platforms, adult entertainment subscription sites, and similar adult-only content services where proceeds would flow through Arx Finance LLC.

Weapons, explosives, and dangerous materials

Trade in firearms, explosives, ammunition, military-grade equipment, or other highly dangerous materials, especially when cross-border or insufficiently regulated.

Gambling and betting

Online casinos, sports betting, lotteries, and other gambling services, particularly if unlicensed or operating from high-risk jurisdictions.

Unlicensed or non-compliant financial services

Unlicensed money transmitters or remittance services

Unregistered or non-compliant MSBs (including informal value transfer systems / hawala)

Unregulated or non-compliant FX dealers

Payment processors and “pay-facs” that handle third-party customer funds without appropriate licensing and controls

Crypto mixing, anonymity, and obfuscation services

Crypto mixers / tumblers or other services whose primary purpose is to obscure transaction origins or destinations

Businesses primarily dealing in privacy-enhancing coins or tools in a way that prevents effective AML/sanctions controls

“Chain-hopping” or “cash-out” services marketed for anonymity rather than legitimate business purposes

Unlicensed securities / token offerings

Issuers or intermediaries involved in unregistered or non-compliant securities, ICOs, token sales, or derivatives that should be regulated under applicable securities or commodities laws but are not.

Cybercrime-related services

Sale or distribution of malware, hacking tools, DDoS-for-hire services, credential-stuffing tools, or other services designed to compromise systems or commit cybercrime.

The above list is illustrative, not exhaustive. If Arx Finance LLC reasonably believes that a customer’s business model or use of the Services is designed to facilitate unlawful or unethical activity, Arx Finance LLC will refuse or terminate the relationship.

3. Dynamic Nature of the List & Right to Refuse Service

This Prohibited & High-Risk Businesses framework is risk-based and dynamic. It may be updated at any time in response to:

changes in laws, regulations, FATF or sanctions designations;

updated guidance from regulators or law enforcement;

instructions or risk-appetite changes from our banking partners and service providers; or

emerging typologies and threats identified through our own risk assessments and monitoring.

The fact that a particular business type is not specifically listed here does not guarantee that Arx Finance LLC will accept it. Arx Finance LLC reserves the right, at any time and in its sole discretion, to:

decline to onboard a prospective customer;

refuse to process specific transactions; or

suspend or terminate an existing relationship,

where doing so is necessary or advisable for legal, regulatory, risk, or ethical reasons.

4. Questions

If you are unsure whether your business or intended use of Arx Finance LLC falls within these categories, please contact:

Arx Finance LLC – Compliance Department

Email: compliance@arxfinance.io

Providing a brief description of your business model, jurisdictions, and expected transaction profile will help us assess and respond more efficiently.