Legal & Compliance

Company Information

Regulatory Compliance

FinCEN Registration and Bank Secrecy Act

DIRE MONEY TRANSMITTER LLC is registered with the Financial Crimes Enforcement Network (FinCEN) as a Money Services Business pursuant to 31 C.F.R. § 1022.380. As a registered MSB, we are subject to the requirements of the Bank Secrecy Act (BSA), 31 U.S.C. § 5311 et seq., and the implementing regulations at 31 C.F.R. Chapter X.

Our BSA compliance program includes written policies and procedures, designation of a compliance officer, ongoing employee training, independent audit or review of the AML program, and transaction monitoring and reporting.

USA PATRIOT Act

We comply with the requirements of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act, Public Law 107-56). This includes maintaining a Customer Identification Program (CIP) as required under Section 326 of the Act and the implementing regulations at 31 C.F.R. § 1022.220.

State Money Transmission Licensing

Money transmission is regulated at the state level in addition to the federal level. We maintain state licenses where required. Services may not be available in all states. Contact us to confirm availability in your state before creating an account. See our State Licenses page for current licensing status information.

OFAC Compliance

We screen customers and transactions against sanctions lists administered by the US Treasury's Office of Foreign Assets Control (OFAC). We do not provide services to individuals or entities on OFAC's Specially Designated Nationals (SDN) list or to persons in comprehensively sanctioned jurisdictions.

AML/KYC Policy

Identity Verification Requirements

All customers must complete identity verification before accessing trading or wallet features. We operate a tiered Customer Identification Program. Individual accounts require government-issued photo identification, date of birth, and residential address. Business accounts require entity formation documents, Employer Identification Number, and information about beneficial owners controlling 25% or more of the entity.

We do not permit account access before identity verification is complete. There are no anonymous transactions on the Vaultora platform.

Transaction Monitoring

All transactions are monitored against rules and patterns designed to detect activity associated with money laundering, structuring, and other financial crimes. Transaction monitoring is automated and supplemented by manual review. Accounts exhibiting unusual activity patterns may be subject to enhanced due diligence, transaction holds, or account restrictions pending review.

Suspicious Activity Reporting

We file Suspicious Activity Reports (SARs) with FinCEN as required under 31 C.F.R. § 1022.320 when we know, suspect, or have reason to suspect that a transaction involves funds from illegal activity, is designed to evade reporting requirements, lacks a lawful purpose, or involves use of our platform to facilitate criminal activity. We are prohibited by law from informing the subject of a SAR that a report has been filed.

Currency Transaction Reporting

We file Currency Transaction Reports (CTRs) as required when applicable thresholds are met. Structuring transactions specifically to avoid reporting thresholds is a federal crime and will result in account termination and mandatory reporting.

Cryptocurrency Risk Disclosure

Consumer Protections

Error Resolution Procedures

If you believe an error has occurred in connection with a transaction on your account, contact us as soon as possible at support@vaultora.co.com or by phone at +1 (407) 903-9055. Please provide your account information, the date and approximate amount of the transaction, and a description of the error.

We will investigate and respond within a reasonable time. Because confirmed blockchain transactions cannot be reversed, error resolution for cryptocurrency transactions may be limited. We will work with you to understand what occurred and what options, if any, are available.

Complaint Submission

Complaints about our services may be submitted by email to support@vaultora.co.com or by mail to DIRE MONEY TRANSMITTER LLC, 8395 International Dr, Orlando, FL 32819. We acknowledge complaints within five business days and work to resolve them as promptly as possible.

If you are not satisfied with our response, you may contact the Florida Office of Financial Regulation (OFR) at flofr.gov or FinCEN at fincen.gov/contact. State residents may also contact their state financial regulator.

Cancellation Rights

You may cancel a pending transaction before it is confirmed on the blockchain, provided the cancellation request is received before the transaction enters the confirmation process. Once a transaction is broadcast to the network, cancellation is not possible. Contact us immediately if you need to attempt to cancel a pending transaction.

You may close your account at any time by contacting us. Account closure does not eliminate any mandatory record retention obligations or outstanding transaction obligations.

Data Protection

Privacy Practices

Personal information collected during account creation and operation is handled in accordance with our Privacy Policy, available at privacy.html. We collect identity information as required by federal law and do not use it for purposes beyond those described in that policy.

California Residents (CCPA)

California residents have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). These rights include the right to know what personal information is collected, the right to access and correct that information, the right to request deletion (subject to our BSA retention obligations), and the right to opt out of the sale of personal information. We do not sell personal information. Full CCPA disclosures are in our Privacy Policy. To submit a CCPA request, email support@vaultora.co.com with subject line "CCPA Request."