Process Flow

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Required Documents

• Government-issued ID: Same as Tier 1
• Proof of address: Utility bill, bank statement, or government letter (dated within 3 months)
• Selfie: For liveness check

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Verification Process

1. All Tier 1 verification checks
2. Enhanced PEP (Politically Exposed Person) screening
3. Address verification and validation
4. Source of funds verification
5. Employment verification (if applicable)

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Overview

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Sender Flow

1. Sender selects “Mobile Money” option
2. Choose destination country
3. Select mobile network provider from dropdown
4. Enter transfer amount
5. Get instant quote

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Required Information

• Mobile phone number of beneficiary
• Mobile network provider name
• Beneficiary full name (if validation not supported)

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Settlement Time

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Best For

• Unbanked beneficiaries
• Urgent transfers
• African, Asian, and Latin American corridors
• Small to medium amounts

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Supported Providers

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Overview

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Sender Flow

1. Sender selects “Cash Pickup” option
2. Choose destination country
3. Select pickup network partner
4. Enter transfer amount
5. Get instant quote

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Required Information

• Beneficiary Phone number
• Pickup unique code/secret

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Settlement Time

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Best For

• Beneficiaries without bank accounts or mobile money
• Urgent cash needs
• Rural areas with limited banking infrastructure
• One-time transfers

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Pickup Process

1. Sender completes transaction and receives reference number
2. Beneficiary receives SMS with pickup code/PIN
3. Beneficiary visits agent location with:
   • Government-issued ID
   • Pickup code/PIN
   • Sender’s name
4. Agent verifies identity and disburses cash

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Partner Networks

• Ria
• Remitly
• MoneyGram
• Western Union

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Validation Checks

• Phone number: International format validation
• Provider: Must be active in destination country
• Number registration: Some providers verify if number is registered
• Beneficiary name: Must match registered mobile money account

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Example: Kenya M-Pesa

{
  "beneficiaryName": "James Mwangi",
  "phoneNumber": "+254712345678",
  "provider": "Safaricom M-Pesa",
  "country": "KE"
}

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Example: Ghana MTN

{
  "beneficiaryName": "Akua Mensah",
  "phoneNumber": "+233201234567",
  "provider": "MTN Mobile Money",
  "country": "GH"
}

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Validation Checks

• Full name: At least first and last name
• Phone number: Valid international format
• Pickup location: Valid city in destination country
• ID requirement: Beneficiary must have government ID

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Example

{
  "beneficiaryName": "Maria Rodriguez",
  "phoneNumber": "+521234567890",
  "pickupLocation": "Mexico City",
  "pickupNetwork": "Elektra",
  "country": "MX"
}

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Global Watchlist Checks

• OFAC (US Office of Foreign Assets Control)
• EU Sanctions List
• UN Consolidated List
• UK HM Treasury
• National sanctions lists (per jurisdiction)

• Sender (customer)
• Beneficiary
• Sender’s country
• Beneficiary’s country
• Financial institutions involved

• Exact name matches
• Fuzzy matching (90%+ similarity)
• Alias and known-as names
• Date of birth verification
• Address matching

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Politically Exposed Persons

• Tier 1 PEPs: Heads of state, ministers, judges
• Tier 2 PEPs: Senior government officials
• Tier 3 PEPs: Close associates and family members
• Former PEPs: Individuals who held positions in past 12-18 months

• Source of wealth verification
• Purpose of transaction scrutiny
• Relationship to beneficiary
• Country risk assessment
• Additional documentation requirements

• World-Check (Refinitiv)
• Dow Jones Risk & Compliance
• LexisNexis
• Local PEP databases

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Dynamic Risk Assessment

• 0-30: Low risk → Auto-approve
• 31-60: Medium risk → Flag for review
• 61-100: High risk → Reject or enhanced review

• Low: UK, US, EU, Canada, Australia
• Medium: Most Asian, Latin American countries
• High: FATF blacklisted or sanctioned countries