KYC

Overview

Quantix Finance implements a structured Know Your Customer (KYC) and onboarding framework designed to ensure that all participants—particularly borrowers and institutional lenders—are verified in accordance with applicable regulatory standards and internal risk policies.

The objective of the KYC process is to:

• Establish the identity of participants

• Assess risk exposure at the counterparty level

• Ensure compliance with global AML/CTF requirements

• Protect the integrity of the Quantix credit ecosystem

KYC is a mandatory requirement for access to permissioned pools, institutional lending environments, and structured credit facilities.

Scope of Application

KYC requirements are applied based on the nature of participation within the Quantix ecosystem.

Mandatory KYC Applies To:

• Institutional lenders

• Borrowers accessing structured credit pools

• Strategic partners and capital allocators

• Participants in permissioned environments

Conditional / Optional KYC:

• Open market participants interacting with non-permissioned pools may not require full onboarding, depending on pool configuration and jurisdictional considerations

This dual framework allows Quantix to operate across both:

• Open DeFi environments, and

• Institutionally compliant credit markets

Onboarding Process

The onboarding process is designed to meet institutional standards while maintaining operational efficiency.

Step 1 — Identity Verification

Participants are required to submit identifying information, which may include:

• Legal name and jurisdiction of incorporation

• Government-issued identification (for individuals)

• Corporate registration documents (for entities)

Step 2 — Beneficial Ownership

For corporate participants, Quantix requires disclosure of:

• Ultimate beneficial owners (UBOs)

• Ownership structure

• Control and governance details

This ensures transparency at the entity level and prevents the use of opaque structures.

Step 3 — Risk Assessment

Participants are evaluated based on a range of risk factors, including:

• Jurisdiction of operation

• Business model and activity type

• Source of funds and capital origin

• Historical activity and reputation

Risk categorization determines eligibility for participation and may influence:

• Allocation limits

• Access to specific pools

• Ongoing monitoring requirements

Step 4 — Compliance Approval

Following review, participants are either:

• Approved for onboarding

• Approved with conditions or restrictions

• Declined based on risk profile or compliance concerns

Only approved participants are permitted to access permissioned lending and borrowing environments.

Ongoing Monitoring

KYC is not a one-time process. Quantix maintains continuous monitoring of participants to ensure ongoing compliance.

This includes:

• Periodic review of participant profiles

• Monitoring of transaction activity

• Reassessment of risk classification

• Detection of unusual or high-risk behavior

Participants may be required to provide updated documentation or additional disclosures over time.

AML / CTF Compliance

Quantix operates in alignment with global Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) standards.

The platform implements measures to:

• Detect and prevent illicit financial activity

• Monitor transaction patterns across the protocol

• Restrict access for high-risk or sanctioned entities

Quantix reserves the right to:

• Suspend or terminate access

• Freeze activity within the protocol

• Report suspicious activity to relevant authorities where required

Data Protection and Confidentiality

All KYC-related information is handled in accordance with strict data protection standards.

Quantix ensures:

• Secure storage of sensitive information

• Controlled access to compliance data

• Confidential handling of participant records

Data is used solely for compliance, risk management, and operational purposes, and is not disclosed except where required by law.

Jurisdictional Considerations

Participation in Quantix may be restricted based on jurisdiction.

Certain regions may be:

• Fully restricted

• Subject to enhanced due diligence

• Limited in terms of available services

Participants are responsible for ensuring that their use of Quantix complies with local regulations.

Non-Compliance and Enforcement

Failure to comply with KYC requirements may result in:

• Denial of access to the platform

• Suspension of existing positions

• Restriction from future participation

Quantix maintains the right to enforce compliance measures to protect the integrity of the protocol and its participants.