XTransfer全体客户的风险警示与合规通知

尊敬的客户：
您好！
感谢您长期以来对XTransfer的信任与支持。为保障您的资金安全及业务合规性，根据国际监管要求及我司风险管理政策，特就以下高风险情形向您提示，请务必高度重视并严格遵守：
一、涉及欺诈、洗钱、制裁等违反国际监管或法律法规款项
若我司监测到您的账户收取或涉及来自受国际制裁国家、实体或个人的款项，或涉及欺诈、洗钱、禁止产品等，将依据合规政策立即采取以下措施：
终止账户服务：包括但不限于冻结账户、强制销户；
请确保您的交易及资金流向不涉及任何受制裁范围、不涉及违反国际监管或法律法规，避免因违规操作导致法律责任及资金损失。
二、高风险国家/地区及行业的收款限制
如您的款项来源属于以下情形：
● 资金来自或经由国际组织、银行渠道及我司认定的高风险国家/地区；
● 买家、汇款人命中监管/银行名单且提供材料无法排除疑似风险；
我司将对相关款项采取 拦截或原路退款 处理，由此产生的手续费、汇损等将由您自行承担。涉及多次收取或款项风险较高等情况，可能也会冻结您的对应账户甚至强制销户。因各银行禁止国家/地区不同，详情请见：
各收款账户禁止交易国家/地区及产品
三、第三方付款注意事项
我司仅接受存在合理商业逻辑的代付，不接受任何无合理背景或可疑的代付行为。如您接收与业务背景无直接关联的第三方代付款项，需向我司提供合理解释及证明材料（如合同、发票等）。若未能及时提供，我司将视情况暂停相关交易并要求退款，情节严重者将终止合作。详情请见：
第三方付款注意事项
温馨提示
1、因部分政策会跟随国际监管要求、合作渠道及平台管理政策进行调整，请定期自查业务合规性，确保交易真实、背景清晰；
2、风险款项因可能遭遇审查、调单问询、甚至原路退款时会中间行/汇出行拒绝入金产生退票情况。款项退回的处理时效会比常规退款时效延长7个工作日甚至更久。退款手续费也会提升至约50美金，具体以XTransfer退款政策为准。
3、部分收款账户可能有更严格要求，如有冲突请以具体收款账户要求为准。
合规经营是跨境业务稳健发展的基石。感谢您的理解与配合，携手共建安全、高效的支付环境！

Dear Valued XTransfer Customer,
We appreciate your continued trust and support of XTransfer. To ensure the security of your transactions and maintain compliance, XTransfer is issuing this advisory regarding the following high-risk scenarios, as required by international regulations and our risk management policies. Please give this matter your highest attention and strictly adhere to these guidelines:
I. Payments involving fraud, money laundering, sanctions, and regulatory/legal violations
In the event that we detect your account has received or is associated with payments from internationally sanctioned countries, entities, or individuals, or payments connected to fraud, money laundering, or prohibited goods, we will immediately take the following actions in accordance with our compliance policy:
Terminating account services:Actions include, but are not limited to, freezing the account and forced account closure.
Please ensure that your transactions and fund flows do not involve any sanctioned areas, nor violate international regulations or laws, so as to avoid any legal liability and financial loss resulting from non-compliant operations.
II. Payment restrictions for high-risk countries/regions & industries
Applicable if the source of your funds meets any of the following conditions:
● Funds originate from or pass through international organizations, banking channels, and/or countries/regions deemed high-risk by XTransfer/地区；
● The buyer or sender is flagged on regulatory/bank watch lists, and provided documentation cannot rule out the suspected risk.
We will either intercept such payments or return them to their source. Any resulting processing fees or currency exchange losses will be your sole responsibility.
For cases involving repeated payments or high-risk funds, we may also freeze the account in question or even require it to be closed. For a list of countries/regions prohibited by different banks, please see:
Prohibited Countries/Regions and Products for Receiving Accounts - XTransfer
III. Third-party payment guidelines
XTransfer only allows third-party payments that have a clear and reasonable commercial purpose. Third-party payments without a clear business background or those deemed suspicious are not permitted.
If you receive a payment from a third party that is not directly linked to your official business activities, you will be required to immediately provide us with a reasonable explanation and supporting documentation (such as contracts or official tax invoices).
Failure to provide said documentation in a timely manner may result in the suspension of transaction(s) in question and a refund of the related payment. Serious cases may result in the termination of our business relationship. For more information, please refer to:
Third-party payment guidelines
Friendly reminder
1. Certain policies are subject to change based on international regulations, partner channel requirements, and our administrative policies. Therefore, please conduct regular compliance checks of your business operations to ensure all transactions are genuine and their background is clear.
2. Payments flagged as high-risk may be subject to screening, requests for information, or even refusal by the intermediary or sending bank to accept the incoming amount during the return-to-source process, and consequently reversed. The processing time for these risk-related refunds will be 7 business days longer, or potentially more, than the standard refund processing time. The refund processing fee will also increase to approximately $50 USD, though the specific fee will be subject to XTransfer’s refund policy.
3. Certain receiving accounts may have more stringent requirements. In the event of any conflicting requirements, the specific account requirements shall prevail.
Compliance is the cornerstone of robust and stable development in cross-border trade. Thank you for your understanding and support, as we work together to create a secure, efficient payment environment!