Freedom.
With the right rules.
We believe in disintermediating the bank, not disintermediating the law. Our compliance exists so that Pangea continues to exist — and to protect legitimate customers from misuse of the platform.
Pillars
How we structure ourselves.
Brazilian regulation
We operate under Law 14,478/22 (legal framework for cryptocurrencies in Brazil). We follow BACEN and CVM resolutions applicable to our scope.
Mandatory KYC
We verify identity, address and source of funds in transactions involving reais or bank accounts. PLD (money laundering prevention) taken seriously.
Transaction monitoring
Automated system identifies suspicious patterns. Cases reviewed manually by the compliance team. COAFs communicated when required.
Regulatory reporting
Mandatory reports delivered within legal deadlines. Documentation available to competent bodies upon properly grounded request.
Public policies
Documents you can read.
KYC/AML Policy
Procedures for customer verification, risk classification, periodic review and refusal/termination of business relationships.
Privacy Policy
Processing of personal data in accordance with LGPD. Purpose, legal basis and rights of the holder.
Information Security Policy
Cryptography, access control, key segregation, incident response plan.
code of Conduct
Integrity rules for employees and third parties. Anonymous reporting channel.
What we refuse
Transactions outside our scope of action are refused, regardless of volume. The list is not exhaustive:
- Operations involving international sanctions (OFAC, EU, UN)
- Illegal gambling
- Fraudulent activities, pyramids or Ponzi schemes
- Transactions related to terrorist financing
- Clear human rights violations
Compliance channel
Competent authorities, anonymous reports or requests for information on a legal basis:
compliance@pangeapay.org