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AML Policy
Legal · AML Policy

Anti-Money Laundering Policy

Version 1.3 · Effective 10 November 2026 · STORE Research Inc.

This policy explains how STORE Research Inc. (“STORE Research,” “we”) keeps money from crime, and people under sanctions, out of STORE. It applies to every purchase of STORE tokens and every STORE account, on storecloud.org and in STORE Pay. It sits alongside our Terms of Service and Privacy Policy.

1. Our commitment

We don’t accept money from crime, and we don’t do business with people or places under sanctions. We follow the anti-money laundering and sanctions laws that apply to us, including U.S. law. If the STORE Association takes over the token contracts in Switzerland, it will follow Swiss anti-money laundering law as well.

2. We check who you are, through Persona

  • Identity check. Before you can buy STORE tokens, receive tokens, or receive welcome STORE Credits, you complete an identity check with Persona, our identity verification provider: a government ID and a live selfie. STORE pays for the check; you don’t.
  • One person, one account. One identity check per person, email and device.
  • Companies and funds. The person who signs for the organization completes the same identity check. The organization tells us who owns 25% or more of it and who controls it. Our team reviews it, and checks the organization and those people against sanctions lists, before we accept a purchase.
  • Eligibility. In the United States, buyers must be accredited investors (Rule 506(c)), and we verify it. Outside the United States, buyers must be non-U.S. persons (Regulation S).
  • Wallets. Before any tokens are delivered, you confirm a wallet address in your STORE account.

3. We screen you against sanctions and watchlists, through Persona

  • At your identity check, Persona screens you against global sanctions and anti-money laundering watchlists, and against lists of politically exposed persons (people in, or close to, high public office).
  • Any match goes to a person on our team. A sanctions match means we don’t sell to you. A politically exposed person isn’t refused automatically; we look more closely before we accept a purchase.
  • We don’t sell to anyone on a sanctions list, to anyone they own or control, or to anyone in a country or region under comprehensive sanctions.
  • We screen again before tokens are delivered, and we screen every past buyer too. Nobody receives tokens without a current, clear screen.

4. Where the money comes from

  • Every buyer confirms in the SAFT that the money isn’t from crime and doesn’t break anti-money laundering or sanctions laws.
  • We accept payment only through STORE Pay: by bank wire from an account in the buyer’s own name, or in USDC from a wallet the buyer controls.
  • We may ask where the money came from, and for documents that show it, before we accept a purchase.

5. We watch for warning signs

We look for activity that doesn’t fit, for example: payments from someone other than the buyer, many small purchases that add up, a wallet linked to known crime, or details that don’t match. When we see one, we pause the purchase and review it.

6. What’s next: checking crypto wallets

Today, Persona checks people. We’re looking at adding a tool that checks crypto wallets and payments for links to crime. When we add one, we’ll update this policy first.

We’ll never ask you to connect your wallet to a website to “check” it. A real wallet check needs only your public address. Fake “AML check” sites ask you to connect your wallet or approve a transaction, then drain it. If anyone asks you to do that in STORE’s name, don’t, and email team@storecloud.org.

7. What we can do

We can ask for more information, delay or refuse a purchase, refuse to open or keep an account, and hold tokens or STORE Credits under review.

  • If we suspect money laundering or find a sanctions match, we freeze the money and any tokens. That money isn’t sent back. We report to the authorities as the law requires, and we may not be able to tell you that we did.
  • A purchase we don’t accept for any other reason is sent back to where the money came from, after a clear sanctions screen. Completed purchases are final; there are no refunds.

8. Records

We keep identity, screening and purchase records for at least five years after the relationship ends, or longer if the law requires. Our Privacy Policy explains how we protect them.

9. Who’s responsible

STORE Research’s operations team (team@storecloud.org) owns this policy, trains the team on it, and reviews it at least once a year and whenever the law changes. Every review is dated, and earlier versions stay published.

10. Your part

Give us true and complete information, keep it up to date, and don’t buy for someone else. If you don’t, we may refuse or cancel the purchase.

11. Questions

Email team@storecloud.org. To report something suspicious, email our operations team at team@storecloud.org with “AML” in the subject.

This policy describes how we work. It isn’t legal advice, and it doesn’t create rights beyond your contract with us. Nothing here is an offer to sell securities.