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Last Updated: September 17, 2026. Framework governing Anti-Money Laundering, Know Your Customer identity verification, and international sanctions screening.
To protect Flowwithlit users and maintain international financial compliance, we verify the identity of all account holders. Depending on your transaction volume, we require official government identification, BVN/NIN verification, or corporate registration documents. We screen transactions against global sanctions lists to prevent money laundering and terrorism financing.
Flowwithlit is committed to strict adherence with global anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. Our compliance architecture incorporates guidelines established by the Financial Action Task Force (FATF), the Money Laundering (Prevention and Prohibition) Act of Nigeria, the US Treasury Office of Foreign Assets Control (OFAC), EU Anti-Money Laundering Directives (AMLD), and local financial intelligence units (FIUs).
Flowwithlit enforces a risk-based, tiered identity verification model to ensure customer due diligence (CDD) prior to processing transactions:
All users, account holders, and settlement bank accounts are screened against international sanctions lists, including OFAC, UN Security Council, EU, UK Treasury (HMT), and Politically Exposed Persons (PEPs) databases. Transactions originating from or destined to sanctioned jurisdictions or blocked individuals are automatically restricted and flagged.
Flowwithlit employs automated machine-learning transaction monitoring systems to detect suspicious patterns, rapid velocity swaps, structuring (smurfing), or unusual transactional spikes. Where suspicious activity is identified, Flowwithlit will submit Suspicious Transaction Reports (STR/SAR) to the appropriate statutory financial intelligence agencies without prior notification to the user ("tipping off" prohibition).
In accordance with international financial standards, Flowwithlit maintains all customer identity documentation, verification records, and complete transaction histories for a minimum of 5 to 7 years post-account closure.
For regulatory inquiries or compliance audits, contact our Chief Compliance Officer at aml-compliance@flowwithlit.com.
The all-in-one payment gateway for seamless crypto & naira banking, transfers, and e-commerce payments.