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Compliance & Security

COMPLIANCE RUNS BEFORE SETTLEMENT.

Every payment is checked before it moves. Identity, sanctions and beneficiary screening plus risk analysis protect the route, our partners and the people on both sides of the transaction.

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RMBDESK compliance overview
What We Check

Four checks on every payment

These run before your payment is approved for RMB settlement.

Identity verification

KYC for individuals and KYB for businesses before you can send.

Sanctions screening

Customers and payments are screened against sanctions requirements.

Beneficiary screening

The supplier receiving your payment is checked too.

Risk analysis

Each payment gets a risk decision before it moves to settlement.

Identity

Know who is sending, and who is receiving

Before you can send, we verify your identity. Individuals complete KYC. Businesses complete KYB, which looks at the company and the people behind it.

  • Verification happens at sign-up, before your first payment
  • The supplier you add as beneficiary is screened as well
  • Verification protects you and your supplier from fraud
Identity verification
Screening & Risk

Sanctions, beneficiary and risk decisions

After identity checks, payments are screened and analysed. Sanctions screening, beneficiary screening and risk analysis lead to one of three decisions, shown below.

Because these checks run first, a payment that cannot proceed is caught before settlement begins.

Sanctions and risk screening
The Decision

Three possible outcomes

APPROVED

Proceed to settlement

Checks pass and your payment moves on to RMB settlement.

MANUAL REVIEW

Operations investigates

Some payments need a closer look. Our operations team reviews them and may contact you for more information.

REJECTED

Stop or refund under policy

If a payment cannot proceed, it is stopped or refunded under our policy.

Your Funds

Customer funds are accounted for separately

Your payment is collected through a local bank or payment partner into a designated collection account. Customer transaction funds and RMBDESK operating money, such as salaries, servers and marketing, are accounted for separately, subject to the applicable regulatory structure.

How settlement works RMBDESK does not necessarily take the exact UGX you deposited and send that same money to China. Collection and RMB settlement are coordinated through financial and liquidity partners.
Separation of customer and operating funds
Audit Trail

Every event recorded, every payment reconciled

Our core ledger records each financial event, so your balance, FX rate, fee, beneficiary, settlement obligation and status stay auditable.

  • Our ledger, the bank or payment partner and China settlement records are matched
  • A payment is complete only when its status, partner reference and settlement evidence agree
  • If something does not match, it becomes a reconciliation break and goes to operations review
Core ledger and reconciliation
Visibility

Exceptions are visible states, not hidden errors

Follow your payment through every stage from your dashboard.

Normal flow

CreatedKYC verifiedQuote acceptedAwaiting fundingFunds receivedCompliance checkApprovedRMB processingRMB sentSupplier paidCompleted

Exception states

Manual reviewFailedSuspendedRefunded
Credentials

Registrations, licences and partners

EDIT: Add images of your real company registration, licences or partner logos. Only show documents you actually hold, and delete any slot you don't need.

Image slotImage: company registration certificatepublic/img/compliance/credential-1.jpg
EDIT: Company registrationEDIT: issuing body and year
Image slotImage: licence or regulatory approvalpublic/img/compliance/credential-2.jpg
EDIT: Licence or approvalEDIT: issuing body and year
Image slotImage: partner logo or partnership proofpublic/img/compliance/credential-3.jpg
EDIT: PartnerEDIT: what they provide
Stay Safe

Protect your account and report concerns

Protect your login

Use a strong, unique password and never share your login or verification codes. RMBDESK will never ask for them.

Check supplier details

Match the beneficiary name and account to the invoice, and be cautious if a supplier suddenly asks you to pay a different account.

Report a concern

Suspect fraud or suspicious activity? Email support@rmbdesk.com with your transaction reference. EDIT: Add a dedicated compliance contact if you have one.

Pay China with checks you can see

Create an account, complete verification and get your first quote.

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