Trust
Licenses, Compliance & Regulation
At EZO, compliance and regulation are the foundation of our financial services.
As a licensed and regulated Money Services Business (MSB), we adhere to strict anti-money laundering (AML), counter-terrorist financing (CTF) and consumer protection regulations in all jurisdictions in which we operate.
Our Compliance framework aligns with:
.svg)
Global Financial Regulations
Ensure compliance with international standards for Money Services Businesses (MSBs) and financial service providers.
Legal Regulatory Authorities
Fully licensed and compliant in every jurisdiction in which we operate.
AML & CTF Compliance Programs
Implement strict safeguards to prevent financial crime and actively maintain strict AML & CTF policies and controls.
Our Licenses & Registration
EZO is a corporation incorporated in Quebec, Canada, under the legal name 9467-4116 Quebec Inc.
EZO operates under the trade names EZO Systems and Les Systèmes EZO (DBA) and is registered with the Quebec Business Registry under the number 1177666337.
EZO operates under the trade names EZO Systems and Les Systèmes EZO (DBA) and is registered with the Quebec Business Registry under the number 1177666337.
Registered with FINTRAC
Type: Money Services Business (MSB)
Service Offered: Foreign Exchange, Money Transferring, Virtual Currency, PSP
Registration number: C10000000157
FINTRAC MSB Public Registry
Licensed with Revenu Québec
Type: Money Services Business (MSB)
Service Offered: Currency Exchange, Funds Transfer
License number: 18845
Revenu Quebec MSB Public Registry
Registration with Bank of Canada
Type: Payment Service Provider (PSP) under the Retail Payment Activities Act (RPAA)
Bank of Canada PSP Public Registry
Registered with FINTRAC
Type: Money Services Business (MSB)
Service Offered: Foreign Exchange, Money Transferring, Virtual Currency, PSP
Registration number: C10000000157
FINTRAC MSB Public Registry
Licensed with Revenu Québec
Type: Money Services Business (MSB)
Service Offered: Currency Exchange, Funds Transfer
License number: 18845
Revenu Quebec MSB Public Registry
Registration with Bank of Canada
Type: Payment Service Provider (PSP) under the Retail Payment Activities Act (RPAA)
Bank of Canada PSP Public Registry
KYC & Sanctions Screenings
EZO enforces rigorous due diligence procedures to screen, verify and validate all customers before granting access, ensuring compliance with Canadian standards and local regulations in every jurisdiction where we operate.
Know Your Customer Controls (KYC)
EZO enforces strict KYC screening measures, aligning with the highest financial industry standards. Our enhanced due diligence process (EDD) assesses customer risk with precision, ensuring only verified and compliant users access our platform.
Sanctions Screenings
EZO enforces strict sanctions compliance by leveraging advanced technology to screen KYC data against global and local watchlists. Our process includes Averse Media and Politically Exposed Persons (PEP) screenings.
Know Your Business Controls (KYB)
EZO conducts in-depth verification of businesses, scrutinizing ownership structures, ultimate beneficial owners (UBOs) and operational risks. Our stringent controls ensure only legitimate businesses access our platform.
Transaction Monitoring
EZO's transaction monitoring system detects and prevents illicit activity across fiat and cryptocurrency transactions. Through real-time surveillance and advanced risk modelling, we ensure compliance with AML, CTF and Travel Rule regulations while safeguarding our platform from fraud and financial crimes.
Real-Time Risk Detection
EZO continuously tracks transactions throughout the customer lifecycle, identifying suspicious patterns. Our system leverages cutting-edge technology to assess transaction and user risk dynamically.
Advanced AML & CTF Tools
We integrate leading fiat and blockchain monitoring technologies to detect and prevent suspicious activities. By combining technology with expert human oversight, we enforce strict compliance.
Regulatory Reporting & Compliance
Our system ensures compliance by identifying transactions that require regulatory reporting, such as large cash movements or interactions with sanctioned entities. We generate Suspicious Transaction Reports (STRs) and Suspicious Activity Reports (SARs) when required, reinforcing our commitment to global AML and CTF standards.
Governance & Compliance Oversight
EZO is built on a foundation of rigorous compliance and governance, ensuring that every decision aligns with the highest regulatory standards. Our leadership, compliance and risk management teams prioritize accountability and transparency, applying Canadian and local regulatory frameworks across all jurisdictions where we operate.
Independent Audits & Continuous Reviews
EZO upholds the highest compliance standards through independent oversight and rigorous internal evaluations. While we are building towards formal independent audits, our compliance framework is regularly reviewed in collaboration with regulatory experts, banking partners and industry specialists.
Compliance as a Core Principle
Our leadership is fully committed to maintaining a strong and adaptive compliance program. Key AML, CTF and risk management policies receive executive oversight and board-level approval, ensuring a proactive approach to regulatory requirements and financial security.
Executive-Led Risk & Compliance Governance
EZO’s senior leadership actively participates in compliance governance, overseeing risk assessment strategies and internal policies. Through regular compliance reviews and escalation protocols, our team ensures that all regulatory, financial crime prevention and risk management initiatives are effectively implemented.
Training & Ethical Standards
EZO fosters a strong culture of compliance and integrity, ensuring that every team member upholds the highest regulatory and ethical standards. Through mandatory training, strict policies and confidential reporting mechanisms, we prioritize transparency and accountability at every level of our organization.
Comprehensive Compliance Training
All EZO employees undergo mandatory AML, CTF and sanctions compliance training during onboarding, with annual refresher courses to reinforce regulatory best practices. Role-specific training is provided to compliance, risk and operational teams to ensure specialized knowledge in key areas.
Confidential Whistleblower Program
EZO employees adhere to a strict Code of Conduct that governs ethical behaviour, insider trading restrictions and anti-corruption policies. By embedding integrity into our corporate culture, we ensure that compliance is a shared responsibility across the organization.
Ethics & Professional Conduct
EZO encourages and expects employees to report activities that violate any country, federal, state, or local laws. Confidential channels administered by an independent company allow employees to raise questions, concerns and suggestions without fear of retaliation.
Trusted Alliances & Advanced Technology
EZO partners with top-tier regulatory experts, technology providers and financial institutions to deliver secure and innovative financial solutions. Through advanced technology and strategic collaborations, we ensure seamless transactions, compliance and reliability.
Sanctions, PEP and Adverse Medias Screenings
Transaction Monitoring & Risk Management
KYC & KYB Protocols
Blockchain Monitoring
Travel Rule Adherence
Fraud Prevention & Trade Integrity
A Message from our Chief Compliance Officer
At EZO, compliance is more than a regulatory requirement - it is a core pillar of trust and security for our users and partners. We are committed to upholding the highest standards of financial integrity, anti-money laundering and risk management.
By working closely with regulatory experts, technology providers and banking partners, we ensure that every transaction on our platform meets strict compliance standards while maintaining a seamless user experience.
Our goal is to enable financial inclusion with trust, transparency and security.”
By working closely with regulatory experts, technology providers and banking partners, we ensure that every transaction on our platform meets strict compliance standards while maintaining a seamless user experience.
Our goal is to enable financial inclusion with trust, transparency and security.”
Peter Morcos
Chief Compliance Officer
Policies, Terms & Licenses
Make Secure and Compliant Money Moves With EZO
Join EZO today and discover a world of possibilities at your fingertips. Take control of your finances with just a few clicks.
FAQ
Answers to some questions you may have
Can anyone use EZO, or are there restrictions based on location or income level?
EZO is designed to be inclusive and accessible to everyone, regardless of their location or income level. Of course, we must obtain the proper licenses to operate in each country. Our goal is to provide financial services to the unbanked and underbanked populations, making financial empowerment a reality for all.
How does EZO differentiate itself from traditional banking and payment systems?
EZO offers a seamless and user-friendly financial experience by eliminating intermediaries, reducing fees and increasing efficiency. With EZO, you can manage your finances, make payments and invest in a hassle-free manner without the limitations of traditional banking systems.
How does EZO ensure the security of my financial transactions?
EZO leverages cutting-edge blockchain technology to provide a secure and transparent platform for all financial transactions. Our robust encryption protocols and decentralized system ensure that your funds are protected at all times.
.svg)
