Compliance & Regulatory

Last updated: April 1, 2026  |  SchnelPay LLC, California

Our commitment. SchnelPay is built to meet evolving regulatory requirements for digital asset payments. We take compliance seriously as a foundation for trust — not as an afterthought.

1. Legal Entity

SchnelPay is a registered LLC in California.

SchnelPay operates as SchnelPay LLC, a limited liability company registered with the California Secretary of State. Our registered office is in California, United States.

2. Anti-Money Laundering (AML)

We monitor transactions for suspicious activity and report as required by law.

SchnelPay maintains an Anti-Money Laundering programme consistent with applicable US federal and state requirements, including:

  • Transaction monitoring for suspicious patterns
  • Reporting of suspicious activity as required by the Bank Secrecy Act (BSA)
  • Recordkeeping of transactions above regulatory thresholds
  • Regular review and updating of AML policies

3. Know Your Customer (KYC)

Custodial accounts require identity verification. Non-custodial accounts are free with no KYC.

Non-custodial accounts — No identity verification required. You connect your own wallet and SchnelPay never holds your funds.


Custodial accounts — Identity verification is required before accessing custodial features. Our KYC process collects:

  • Full legal name and date of birth
  • Government-issued photo ID
  • Proof of address
  • Source of funds declaration for higher transaction limits

4. Data Protection

We comply with CCPA, CPRA, and applicable US federal privacy law.

SchnelPay complies with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). Key rights include:

  • Right to know what personal data we hold
  • Right to delete your personal data
  • Right to correct inaccurate data
  • Right to opt out of data sale (we do not sell data)

See our Privacy Policy for full details.

5. Cryptographic Security

SchnelPay uses NIST-approved post-quantum cryptography to protect all transactions.

SchnelPay's QuantumShield™ architecture implements ML-DSA-65 + ECDSA hybrid signatures compliant with NIST FIPS 204 (Module-Lattice-Based Digital Signature Standard). This provides:

  • Protection against both classical and quantum computing attacks
  • Dual-signature verification on all custodial transactions
  • Compliance with current NIST post-quantum cryptography standards

6. On-Ramp Partners

Our fiat-to-crypto partners handle their own regulatory compliance for money transmission.

SchnelPay integrates with regulated on-ramp providers for fiat-to-crypto purchases:

  • MoonPay — Licensed money services business operating in 160+ countries
  • Transak — Regulated fiat gateway operating across 150+ countries

These partners independently maintain their own AML/KYC programmes and money transmission licences.

7. Contact Compliance

For regulatory or compliance enquiries, contact us directly.

For compliance-related enquiries, regulatory correspondence, or law enforcement requests, contact:

SchnelPay LLC

California, United States

Email: [email protected]

This compliance page is provided for informational purposes. It does not constitute legal advice. For specific regulatory questions, consult a qualified attorney.