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AML / KYC Policy

Last updated: 10 January 2026

This Anti-Money Laundering and Know-Your-Customer Policy ("AML/KYC Policy") describes the principles and approach adopted by Cryptix Limited, trading as NowRamp ("NowRamp", "we", "us", "our") with respect to anti-money laundering, counter-terrorist financing, and sanctions compliance.

This Policy should be read together with the NowRamp Terms of Use and Privacy Policy.


1. Purpose of This Policy

The purpose of this Policy is to:

  • describe NowRamp's role in the AML/KYC framework;
  • clarify the allocation of AML/KYC responsibilities between NowRamp and third-party service providers;
  • demonstrate NowRamp's commitment to preventing misuse of its Services for unlawful purposes.

2. NowRamp's Business Model and Regulatory Position

NowRamp operates solely as a technical orchestration platform.

In particular:

  • NowRamp does not execute or facilitate financial transactions;
  • NowRamp does not provide fiat-to-crypto or crypto-to-fiat services;
  • NowRamp does not hold, receive, transmit, or safeguard fiat currency or crypto assets;
  • NowRamp does not act as a payment service provider, exchange, broker, custodian, or financial intermediary.

As a result, NowRamp does not qualify as an obliged entity under applicable AML/CFT legislation solely by virtue of providing technical infrastructure.

3. Allocation of AML / KYC Responsibilities

3.1 Third-Party Providers

All AML, KYC, CFT, and sanctions compliance obligations are performed exclusively by independent third-party providers offering conversion, payment, or related services ("Third-Party Providers").

Such obligations include, without limitation:

  • customer identification and verification (KYC);
  • sanctions and watchlist screening;
  • transaction monitoring;
  • suspicious activity reporting;
  • record-keeping and regulatory reporting.

Each Third-Party Provider acts as an independent and autonomous regulated entity, subject to its own licensing, supervision, and compliance obligations in the jurisdictions in which it operates.

3.2 No AML / KYC Processing by NowRamp

NowRamp:

  • does not collect, verify, or store identity documents;
  • does not perform customer due diligence;
  • does not monitor or screen transactions;
  • does not make risk determinations or compliance decisions.

All such activities are carried out directly between the End User and the relevant Third-Party Provider.

4. Data Protection and GDPR

NowRamp does not process AML/KYC personal data.

Personal data collected for compliance purposes (e.g. identity documents, payment details, transaction history) is processed solely by Third-Party Providers, acting as independent data controllers under their own privacy policies.

NowRamp processes only limited technical and usage data necessary to operate and secure its Services, as described in the Privacy Policy.

5. Risk Mitigation Measures

Although NowRamp does not itself perform AML/KYC checks, it adopts reasonable organisational and technical measures to mitigate misuse of its Services, including:

  • cooperating only with reputable Third-Party Providers;
  • contractual allocation of compliance responsibilities;
  • technical safeguards to prevent abuse or misuse of the platform;
  • cooperation with lawful requests from competent authorities, where required.

6. Suspicious Activity and Law Enforcement Requests

Any suspicion of money laundering, terrorist financing, sanctions breaches, or other financial crime in connection with a transaction must be addressed directly to the relevant Third-Party Provider.

Where legally required, NowRamp may cooperate with competent authorities in accordance with applicable law, without assuming AML/KYC responsibilities that fall outside its technical role.

7. Training and Awareness

NowRamp ensures that relevant personnel are aware of:

  • the company's limited technical role;
  • the allocation of AML/KYC responsibilities to Third-Party Providers;
  • how to escalate concerns or suspicious activity appropriately.

8. Policy Review and Updates

This AML/KYC Policy may be updated from time to time to reflect changes in law, regulation, or NowRamp's business model.

Updated versions will be published on the website and become effective upon publication.

9. Contact

For questions regarding this AML/KYC Policy, please contact:

Cryptix Limited (NowRamp)

Email: compliance@nowramp.com

Address: 11 Zinonos Sozou Street, 3rd Floor, Office 303, 1075 Nicosia, Cyprus