Compliance

1. Our Commitment to Compliance

At Olbra Finance, we believe that regulatory compliance is not just a legal requirement but a fundamental pillar of building trust in the digital asset ecosystem. We are committed to operating within the full scope of applicable laws and regulations while maintaining transparency with our users, partners, and regulators.

Our compliance program is designed to prevent financial crime, protect consumers, and ensure the stability and integrity of our stablecoin ecosystem. We continuously monitor regulatory developments and adapt our practices to meet evolving requirements.

2. Regulatory Framework

EU Markets in Crypto-Assets (MiCA) Regulation

As a European stablecoin issuer, Olbra Finance operates in accordance with the EU's Markets in Crypto-Assets (MiCA) regulation. This comprehensive framework establishes clear rules for crypto-asset service providers and stablecoin issuers, including:

• Authorization requirements for stablecoin issuers
• Reserve asset requirements and management standards
• Disclosure and transparency obligations
• Consumer protection measures
• Market integrity and abuse prevention

Polish Financial Supervision Authority (KNF)

As a Poland-based company, we operate under the supervision of the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego). We maintain open communication with the KNF and comply with all applicable Polish financial regulations.

General Data Protection Regulation (GDPR)

We are fully compliant with GDPR requirements for processing personal data. Our data protection practices include appropriate technical and organizational measures to protect user information, respect for data subject rights, and transparent privacy policies.

3. Know Your Customer (KYC)

Our KYC program is designed to verify the identity of our users and assess potential risks associated with their activities. This helps us prevent fraud, identity theft, and financial crime while ensuring that only eligible individuals access our services.

We use industry-leading identity verification technology to ensure a smooth onboarding experience while maintaining rigorous verification standards.

4. Anti-Money Laundering (AML)

Our comprehensive AML program is designed to detect, prevent, and report suspicious activities that may be related to money laundering, terrorist financing, or other financial crimes.

• Transaction Monitoring: Real-time monitoring of all transactions to detect unusual patterns or suspicious activity
• Risk Assessment: Regular assessment of money laundering and terrorist financing risks
• Suspicious Activity Reporting: Prompt reporting of suspicious activities to relevant authorities
• Record Keeping: Comprehensive record retention in compliance with legal requirements
• Staff Training: Regular training for all employees on AML obligations and red flags

5. Reserve Backing & Transparency

Every Olbra stablecoin in circulation is backed 1:1 by fiat currency reserves held in segregated accounts at regulated financial institutions. Our commitment to transparency includes:

Reserve assets are held in high-quality, liquid assets including cash deposits and short-term government securities. We publish monthly attestation reports verified by independent auditors to demonstrate that our reserves match or exceed the total supply of stablecoins in circulation.

6. Sanctions Compliance

Olbra Finance maintains a robust sanctions compliance program to ensure we do not engage in transactions with sanctioned individuals, entities, or jurisdictions. Our program includes:

• Screening against EU, US (OFAC), UN, and other relevant sanctions lists
• Ongoing monitoring of users against updated sanctions lists
• Blocking transactions involving sanctioned parties or jurisdictions
• Regular review and updates to our sanctions screening procedures

7. Consumer Protection

Protecting our users is at the heart of everything we do. Our consumer protection measures include:

• Clear and transparent fee disclosures
• Comprehensive risk warnings for all services
• Secure storage of user funds and data
• Fair and accessible dispute resolution processes
• Educational resources to help users make informed decisions
• Responsive customer support

8. Reporting & Audits

We maintain comprehensive reporting and audit practices to ensure ongoing compliance and transparency:

• Internal Audits: Regular internal compliance audits
• External Audits: Annual audits by independent third-party auditors
• Reserve Attestations: Monthly reserve attestation reports
• Regulatory Reports: Required reports to relevant regulatory authorities
• Smart Contract Audits: Regular security audits of our smart contracts

9. Contact for Compliance Inquiries

If you have any questions about our compliance practices or need to report a concern, please contact our Compliance team: