Anti-Money Laundering (AML) Policy

PeerMetals, LLC ("PeerMetals," "we," "us," or "our") is committed to preventing the use of its platform in connection with money laundering, terrorist financing, or any other criminal activity. Although PeerMetals is not a financial institution or licensed precious metals dealer, we recognize our responsibility as a marketplace facilitator to maintain high standards of compliance and integrity.

This Anti-Money Laundering (AML) Policy outlines our approach to identifying and deterring suspicious behavior on the PeerMetals platform.

1. Our Role

PeerMetals is a peer-to-peer marketplace that facilitates transactions between independent buyers and sellers of physical precious metals and numismatic items. We do not buy, sell, store, or ship any inventory ourselves. We also do not accept, hold, or transfer funds—all payments are processed securely through Stripe, Inc., a registered money services business and payment processor.

While we are not directly regulated as a financial institution or bullion dealer, we voluntarily implement measures aligned with best practices in AML compliance.

2. AML Objectives

Our AML program is designed to:

• Prevent the use of the PeerMetals platform for money laundering or other illicit activity.
• Identify and report suspicious behavior where appropriate.
• Comply with applicable laws and support law enforcement in criminal investigations.
• Protect the integrity and reputation of our platform and users.

3. Know Your Customer (KYC) Measures

PeerMetals may require users—particularly sellers or high-volume participants—to complete identity verification. This may include:

• Government-issued photo identification (e.g., driver's license or passport)
• Proof of address (e.g., utility bill or bank statement)
• Date of birth and taxpayer identification number (e.g., SSN or EIN)
• Business registration details for commercial sellers

We reserve the right to suspend or limit access to platform features until the required information is provided.

4. High-Risk and Restricted Activities

We monitor activity on our platform for signs of:

• Structured transactions intended to avoid reporting thresholds
• Use of multiple accounts to bypass limits or identity checks
• Sales or purchases involving sanctioned countries or individuals
• Listings that appear suspicious or priced well outside of market norms

We do not permit transactions from users located in countries sanctioned by the U.S. Treasury's Office of Foreign Assets Control (OFAC) or those on OFAC's Specially Designated Nationals (SDN) list.

5. Monitoring and Reporting

PeerMetals maintains internal systems to monitor for red flags or patterns of suspicious activity. When appropriate, we may:

• Place temporary holds on transactions or funds
• Request additional verification or supporting documentation
• Decline to process a transaction or remove a user from the platform
• Report activity to law enforcement or appropriate regulatory authorities

We are committed to fully cooperating with law enforcement agencies investigating financial crimes.

6. User Responsibilities

By using PeerMetals, you agree to:

• Use your real identity and provide accurate, verifiable information
• Refrain from attempting to use PeerMetals to launder money or engage in illicit transactions
• Cooperate with any compliance reviews or investigations as requested

Knowingly providing false information or engaging in suspicious behavior may result in account suspension, permanent ban, and referral to authorities.

7. Policy Updates and Contact

PeerMetals may update this AML Policy as regulations evolve or our platform grows. Users will be notified of material updates via the website or email.

If you have questions about this policy or wish to report suspicious activity, contact us at: