Boundaries before expansion
Activities are assessed against the requirements that apply to the specific product, customer, and jurisdiction — rather than assumed from a single registration.
Compliance
Compliance Is an Ongoing Responsibility
We view compliance as an ongoing responsibility that should inform governance, risk management, disclosures, technology operations, and customer communications.
Compliance principles
Clear boundaries, stated precisely
Compliance is not a one-time registration or filing. It is a set of obligations that must be met repeatedly, in day-to-day operations.
Controls that are documented
Internal controls, escalation paths, and disclosure practices are written down so that they can be reviewed, audited, and improved.
Disclosure without overstatement
Registration and filing status is described precisely, including what it does not mean.
Corporate entity
Kalvoq, Inc.
The company and operating-entity information published on this website should be read together with the applicable corporate records and official filings.
MSB registration
Where applicable, information about money services business registration and related obligations should be verified against the relevant official records, including the scope of the registered activities.
SEC Form D filing
A Form D notice is a filing associated with an exempt securities offering. A filing should not be described as SEC approval, endorsement, or a general licence to operate a digital asset exchange.
Ongoing responsibility
Registration and filings do not replace the need to assess the requirements applicable to each product, service, customer, and jurisdiction.
Corporate registration
What it indicates: The entity exists and is registered in its jurisdiction of incorporation.
What it does not indicate: Authorization to provide financial services.
MSB registration
What it indicates: Registration as a money services business with the relevant federal authority, with associated AML programme obligations.
What it does not indicate: A licence covering every product or jurisdiction.
Form D notice
What it indicates: A notice filing associated with certain exempt securities offerings.
What it does not indicate: SEC approval, endorsement, or a trading licence.
Exchange operation
What it indicates: Subject to separate licensing and permissions that depend on the service and jurisdiction.
What it does not indicate: Implied by any of the registrations above.
Ongoing controls
What continuous compliance requires
Registration is the starting point. The operating work sits in controls, disclosure, and review.
- 01
Anti-money-laundering programme
Customer due diligence, transaction monitoring, escalation, and record-keeping appropriate to the registered activities.
- 02
Disclosure maintenance
Material information about services, fees, and risks kept current, consistent, and accessible.
- 03
Internal review
Periodic review of controls, permissions, and vendor arrangements, with findings tracked to closure.
- 04
Regulatory monitoring
Tracking changes in applicable requirements and adjusting processes before they become findings.
AML programme
What the compliance programme covers
An anti-money-laundering programme is a set of connected controls, not a single policy document. Each element below is reviewed and tested independently.
Customer due diligence
Identity verification, beneficial-ownership review where relevant, and risk-based onboarding before an account is used.
Transaction monitoring
Rules and thresholds are reviewed periodically and tuned as typologies change; alerts are investigated and documented.
Suspicious activity reporting
Defined escalation paths and reporting obligations, with decisions recorded and retained for review.
Record-keeping
Records are retained for the periods required by applicable rules and kept retrievable for regulators and auditors.
Training and attestation
Staff complete role-appropriate training, and acknowledgements are recorded rather than assumed.
Independent review
Controls are tested periodically by a function separate from the one that operates them, with findings tracked to closure.
Regulatory change
How requirements enter the operating model
Rule changes are only useful if they reach procedures, systems, and disclosures. The cycle below is how that hand-off is meant to work.
01
Monitor
Track changes in applicable rules, guidance, and enforcement practice across the jurisdictions where services are offered.
02
Assess
Translate each change into a concrete impact on products, disclosures, controls, and customer communications.
03
Implement
Assign owners, update procedures and system configurations, and record the effective date of the change.
04
Verify
Test that the change works as intended and that affected disclosures were actually published, not merely drafted.