> For the complete documentation index, see [llms.txt](https://metya.gitbook.io/metya/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://metya.gitbook.io/metya/security-and-compliance/payments-and-aml-compliance.md).

# Payments & AML compliance

* KYC/KYB tiers: L0 browse; L1 OCR; L2 liveness + lists; L3 high‑limit/KYB.
* AML/CFT: Sanctions/PEP/adverse media; address intelligence (TRM/Chainalysis‑class); behavioral flags trigger KBA/freeze/manual review.
* Travel Rule: Integrate with VASPs where applicable.
* Chargebacks/disputes: Evidence chains (order, device fp, session sig, GPS/POI, on‑chain hashes); targets < 0.5% (region/MCC vary). Records retained 5–7 years per jurisdiction.

{% hint style="info" %}
Licensing posture: Rails via licensed partners; Metya itself does not claim to be a licensed FI.
{% endhint %}