Invesdors
Invesdors
Invesdors
Legal
Invesdors · Switzerland · Software-as-a-Service Anti-Money Laundering Disclaimer
The configured platform does not receive or pool securities purchase prices, wallet keys are generated on user devices, and issuer enforcement requires issuer-board signatures. These technical controls are intended to keep Invesdors outside independent power of disposal; they do not constitute a FINMA classification or blanket AMLA determination.
The ultimate, non-delegable legal duty to comply with all AML, KYC, and due diligence obligations—including the identification of the contracting party, establishing the identity of the beneficial owner, and clarifying the economic background of transactions—rests exclusively with the issuing companies and their respective regulated banking institutions. Invesdors GmbH assumes zero liability for regulatory compliance.
Customer identification and AML due diligence are performed by the investor's and issuer's own regulated Swiss bank as part of SIX bLink account verification — not by Invesdors and not by any third-party KYC vendor. Invesdors receives only a confirmation that the bank has verified the customer; it performs no identification itself and assumes no liability for the bank's verification.
Invesdors does not hold, touch, or route client funds. All fiat settlements occur strictly peer-to-peer between the investor's bank and the issuer's bank via the Open Banking network. Based on this non-custodial, bank-to-bank design, Invesdors does not consider itself a financial intermediary under AMLA for these flows, and it does not itself verify the source of funds; this is not a FINMA determination. Source-of-funds checks are the responsibility of the regulated banks.
As a non-custody SaaS provider with bank-to-bank fiat settlement, Invesdors does not consider itself subject to a standalone MROS reporting duty for those flows; this is not a FINMA determination. Suspicious-activity reporting duties rest with the regulated financial institutions facilitating the transactions.
Politically Exposed Persons (PEPs) are identified by the investor's regulated Swiss bank as part of its AMLA due diligence during bLink account verification. Invesdors operates no PEP screening of its own and relies on the bank's regulated process; it uses no third-party screening provider.
Sanctions screening against the SECO, EU, UN, OFAC and HMT lists is performed by the regulated Swiss bank as part of its AMLA obligations when the bLink account is verified and when payments settle. Invesdors performs no sanctions screening of its own; the responsibility to freeze assets or block sanctioned persons rests with the issuer and the regulated bank.
Invesdors stores only cryptographic compliance proofs (hashes and bank confirmations), not customers' identity documents. The statutory 10-year AMLA retention duty for KYC documentation lies with the regulated Swiss bank and the issuer, who hold the underlying records and make them available to FINMA and law enforcement upon lawful request.
Invesdors is a technology provider and is not itself an AMLA financial intermediary. AML/CFT obligations — customer due diligence, PEP and sanctions screening, record-keeping and reporting — are carried out by the investor's and issuer's regulated Swiss banks via SIX bLink. Invesdors maintains internal controls ensuring that funds only ever move bank-to-bank and never through Invesdors.
For AML compliance queries, contact support@invesdors.ch
Phone: +41 44 500 66 34