Valtorum LegalProtecting the Integrity of the USDV Ecosystem
Valtorum operates USDV as a permissioned digital settlement asset across supported distributed ledger networks and digital settlement infrastructures. USDV is initially available on the XRP Ledger and may, at Valtorum's sole discretion, be issued, supported or made available on additional blockchain networks or technologies as the platform evolves.
Maintaining a secure and trusted financial infrastructure requires robust compliance oversight, prudent risk management, continuous monitoring and cooperation with applicable legal and regulatory frameworks.
Our Compliance & Enforcement Framework is designed to safeguard the integrity of the USDV ecosystem, support lawful financial activity, mitigate financial crime, protect authorized participants and preserve confidence in the network.
Participation within the USDV ecosystem is a privilege granted through authorization and remains subject to continuous compliance oversight throughout the relationship.
Our Compliance Philosophy
Valtorum believes that institutional-grade digital money requires institutional-grade governance.
Our compliance framework is built upon six core principles.
Risk-Based Decision Making
Every applicant, institution, wallet, transaction and business relationship is assessed according to its individual legal, operational and financial risk profile.
Permissioned Participation
Only wallets and participants authorized by Valtorum may participate within the USDV ecosystem.
Authorization is discretionary and may be reviewed at any time.
Continuous Oversight
Compliance is not limited to onboarding.
Participants remain subject to ongoing monitoring, periodic reviews and updated due diligence throughout their relationship with Valtorum.
Regulatory Cooperation
Valtorum cooperates with competent governmental and regulatory authorities where required or permitted by applicable law.
Financial Integrity
Every compliance decision is intended to preserve the stability, credibility and long-term resilience of the USDV ecosystem.
Technology Neutrality
Valtorum's compliance framework applies consistently across all blockchain networks, distributed ledger technologies and settlement infrastructures on which USDV may be supported.
Compliance Programme
Valtorum maintains a comprehensive compliance programme designed to identify, assess and manage financial crime, regulatory and operational risks.
The programme may include:
- Know Your Customer (KYC)
- Know Your Business (KYB)
- Ultimate Beneficial Ownership (UBO) verification
- Customer Due Diligence (CDD)
- Enhanced Due Diligence (EDD)
- Anti-Money Laundering (AML)
- Counter-Terrorist Financing (CTF)
- Counter-Proliferation Financing (CPF)
- Sanctions compliance
- Politically Exposed Person (PEP) screening
- Adverse media screening
- Fraud prevention
- Cybersecurity monitoring
- Transaction monitoring
- Distributed ledger analytics
- Operational risk assessments
- Regulatory reporting
- Internal audits
- Periodic compliance reviews
The scope and frequency of these controls may vary depending upon the participant, transaction, jurisdiction and overall risk profile.
Authorization & Onboarding
Before access to USDV may be granted, applicants may be required to complete an authorization process appropriate to their risk profile.
Depending on the applicant, this may include:
- Government-issued identification
- Proof of residential address
- Corporate registration documents
- Shareholding information
- Ultimate beneficial ownership declarations
- Source of funds documentation
- Source of wealth documentation
- Regulatory licences
- Tax residency information
- Banking information
- Settlement instructions
- Wallet ownership verification
- Additional documentation reasonably requested by Valtorum
Submission of an application does not guarantee approval.
Authorization remains entirely at Valtorum's discretion.
Ongoing Due Diligence
Authorization is not permanent.
Valtorum may periodically require updated information to ensure participants continue to satisfy applicable legal, regulatory and operational requirements.
Updated information may include:
- Identity documents
- Corporate records
- Ownership structures
- Regulatory licences
- Business activities
- Financial information
- Tax residency
- Wallet ownership
- Source of funds
- Source of wealth
Failure to provide requested information may result in suspension or termination of authorization.
Transaction & Network Monitoring
Valtorum may monitor activity involving USDV across any supported blockchain network or settlement infrastructure.
Monitoring is intended to identify unusual activity, financial crime risks and operational threats.
Monitoring may include:
- Transaction behaviour
- Wallet relationships
- Counterparty exposure
- Geographic risk
- Velocity analysis
- Blockchain intelligence
- Distributed ledger analytics
- Behavioural monitoring
- Network mapping
- Pattern recognition
- Transaction frequency
- Compliance alerts
- Operational anomalies
Monitoring may involve automated systems, manual review or a combination of both.
Distributed Ledger Analytics
Valtorum may analyse publicly available information recorded on supported blockchain networks where USDV is issued or transferred.
This analysis may include:
- Wallet risk assessment
- Counterparty analysis
- Transaction history
- Exposure mapping
- Network analysis
- Risk scoring
- Behavioural indicators
- Public blockchain intelligence
Blockchain transactions are generally immutable and may remain publicly accessible indefinitely.
Financial Crime Prevention
Valtorum actively works to prevent the misuse of the USDV ecosystem.
This includes measures designed to detect and deter:
- Money laundering
- Terrorist financing
- Proliferation financing
- Fraud
- Identity theft
- Forged documentation
- Cybercrime
- Ransomware
- Corruption
- Bribery
- Tax evasion
- Sanctions evasion
- Payment fraud
- Business email compromise
- Social engineering
- Market manipulation
- Insider misconduct
- Unauthorized access
- Misrepresentation
- Abuse of the Services
Investigations
Valtorum may initiate investigations whenever it reasonably believes further review is appropriate.
Investigations may arise from:
- Internal monitoring
- Customer reports
- Regulatory requests
- Law enforcement requests
- Third-party intelligence
- Fraud reports
- Operational incidents
- Compliance reviews
- Cybersecurity events
- Public information
Valtorum may request additional documentation or explanations during any investigation.
Participation may be restricted while investigations remain ongoing.
Enforcement Measures
Where appropriate, Valtorum may take one or more enforcement actions.
These actions may include:
- Requesting additional documentation
- Requesting clarification regarding transactions
- Conducting enhanced due diligence
- Delaying application processing
- Rejecting authorization requests
- Suspending authorization
- Revoking authorization
- Restricting wallet participation
- Rejecting issuance requests
- Rejecting redemption requests
- Restricting access to Services
- Filing regulatory reports
- Cooperating with competent authorities
- Exercising any additional contractual or legal rights available to Valtorum
Enforcement decisions are made after considering applicable law, operational risk, regulatory obligations and the specific facts of each matter.
Regulatory Cooperation
Valtorum may cooperate with competent authorities where required or permitted by applicable law.
This may include cooperation with:
- Financial regulators
- Central banks
- Financial intelligence units
- Law enforcement agencies
- Courts
- Tax authorities
- Customs authorities
- Sanctions authorities
- Anti-corruption agencies
- Data protection regulators
- Supervisory agencies
- Other governmental authorities
Where legally required, Valtorum may disclose information without prior notice to affected participants.
Sanctions Compliance
Valtorum maintains sanctions screening procedures designed to support applicable international sanctions obligations.
Applicants, counterparties and authorized participants may be screened against relevant sanctions lists, watchlists and risk databases.
Valtorum may refuse authorization, suspend participation or terminate access where necessary to comply with sanctions obligations or internal risk policies.
Cybersecurity
Protecting the security of the USDV ecosystem is a core operational objective.
Security measures may include:
- Multi-factor authentication
- Encryption
- Secure infrastructure
- Access controls
- Continuous monitoring
- Security logging
- Vulnerability assessments
- Penetration testing
- Threat intelligence
- Incident response procedures
- Disaster recovery planning
- Third-party security assessments
Users are responsible for maintaining the security of their own devices, credentials and wallet access.
Supported Networks
USDV is designed to operate across one or more blockchain networks, distributed ledger technologies or digital settlement infrastructures selected by Valtorum.
Although USDV is initially available on the XRP Ledger, Valtorum may expand support to additional networks as business, technological, regulatory or operational considerations evolve.
Each supported network operates independently and may have different:
- Transaction fees
- Settlement characteristics
- Consensus mechanisms
- Governance structures
- Technical limitations
- Operational risks
Valtorum does not control third-party validators, node operators, protocol developers or consensus participants responsible for maintaining external networks.
Accordingly, Valtorum is not responsible for network outages, forks, congestion, protocol upgrades, software defects or other events beyond its reasonable control.
Reporting Fraud & Misconduct
Valtorum encourages the reporting of suspected misconduct affecting the USDV ecosystem.
Reports may include:
- Identity fraud
- Phishing
- Fake websites
- Fake applications
- Wallet compromise
- Business impersonation
- Counterfeit communications
- Unauthorized branding
- Fraudulent redemption requests
- Fraudulent issuance requests
- Compliance concerns
- Market abuse
- Other suspected unlawful activity
Reports should include all relevant supporting information available at the time of submission.
Confidential Investigations
Compliance reviews and investigations are generally conducted confidentially.
Where permitted or required by law, Valtorum may decline to disclose:
- Whether an investigation exists
- The existence of regulatory enquiries
- The existence of suspicious activity reports
- Information shared with competent authorities
- Internal compliance assessments
- Investigation outcomes
- Reasons supporting compliance decisions
Nothing in this Policy requires Valtorum to disclose confidential compliance information where disclosure would be unlawful, compromise investigations or prejudice operational security.
Reservation of Rights
Valtorum reserves the right, at its sole discretion and subject to applicable law, to refuse, suspend, restrict or terminate any authorization, issuance, redemption or other Service where it reasonably determines such action is necessary to:
- Comply with applicable law
- Comply with regulatory obligations
- Protect the integrity of USDV
- Prevent financial crime
- Mitigate operational risk
- Protect authorized participants
- Protect Valtorum's systems, infrastructure or reputation
- Respond to legal process
- Preserve the stability of the ecosystem
Nothing contained in this Policy limits any additional rights available to Valtorum under its Terms of Use, Privacy Policy, contractual agreements or applicable law.
This page was last updated on May 7, 2026.