Payment services on the XBK platform are delivered through Aerapass Group entities holding the licences and registrations below. They operate under AML/CFT and KYC regimes in their jurisdictions, with a risk framework aligned with Wolfsberg Group standards, FATF guidance and IOSCO frameworks.
| Region | Entity | Regulatory Body | Licence / Registration | Core Authorizations |
|---|---|---|---|---|
| Hong Kong | Aerapay Limited | HK CED | MSO #15-04-01626 | Money Remittance, Cross-Border Payments, FPS Access |
| Singapore | Aerapass Pte Ltd | MAS / Visa Partner | Visa Program Mgr | Card Program Management, Physical & Virtual Card Issuing |
| Singapore | Aeratrade Pte Ltd | Ministry of Law | PS20220002612 | Regulated Precious Stones & Metals Dealer (PSMD) |
| Canada | Aerapass Canada | FINTRAC | M19695365 / M21914872 | FX Dealing, Money Transfers, Virtual Asset Services |
| Australia | Aerapass AU | AUSTRAC | Registered DCE / Remittance | Cross-Border Remittance, Digital Currency Exchange |
Licences are held by the Aerapass Group entities listed above. Invest Consult Europe Ltd acts as marketing partner and is not itself the licence holder.
Read our AML Policy →