Legitimate business activity
Use cases must be disclosed accurately and approved where required. The proposed model supports legitimate business payments, not concealed remittance, anonymous exchange, speculation represented as commerce or processing for undisclosed third parties.
Activities outside the model
- Sanctions evasion, laundering, fraud or financing unlawful activity.
- Misrepresenting ownership, beneficial owners, business purpose or the origin of funds.
- Pooling customer funds in a Swyby-controlled treasury or using another customer’s approved environment.
- Bypassing provider refusals, account restrictions or required transaction checks.
- Sharing credentials, compromising another customer’s data or manipulating provider records.
Provider review and restriction
Providers may impose additional geographic, industry, transaction or recipient restrictions. The absence of a category from this draft does not establish eligibility. Any suspension, hold or return follows the applicable agreement and law.
End of review draft · Not effective