SECURITY & COMPLIANCE
Security & Compliance
Updated on 10 November 2026
Smart Bulk Payments is a proprietary corporate payment processing platform developed and operated by 3P Smart LTD. Smart Bulk Payments’ controls cover client onboarding, payment authorization, transaction monitoring and reconciliation. This page explains the company responsible for Smart Bulk Payments and how its payment operations are managed.
View 3P Smart LTD’s entry in the Anjouan Offshore Finance Authority register.
The company behind Smart Bulk Payments
Smart Bulk Payments is developed and maintained by 3P Smart LTD’s in-house technical team. Customers currently contract with 3P Smart LTD, incorporated in Anjouan, Union of the Comoros, for payment processing services delivered through Smart Bulk Payments.3P Smart LTD’s Anjouan registration and licence
| Detail | Information |
| Legal entity | 3P Smart LTD |
| Jurisdiction | Anjouan, Union of the Comoros |
| Company registration number | 16121 |
| Licence number | L16121/3PS |
| Licensing authority | Anjouan Offshore Finance Authority |
Separation of client and company funds
3P Smart LTD maintains client funds separately from its company operating funds. Internal accounting records and reconciliation procedures track client balances and payment transactions. Fiat payment operations are handled through European and UK banks and Electronic Money Institutions (EMIs). Cryptocurrency payment operations use company-controlled cold wallets protected by multisignature authorization. Smart Bulk Payments focuses on executing payments according to corporate clients’ instructions. Unused funds and failed payouts are handled under our internal reconciliation and payment management procedures.Wallet security and payment authorization
Smart Bulk Payments’ cryptocurrency payment infrastructure uses cold wallets with multisignature controls. Fund movements require multiple authorized signatures. Payment controls include:- Role-based access to Smart Bulk Payments.
- Multisignature authorization for fund movements.
- Controlled payment execution.
- Blockchain transaction tracking and individual transaction hashes.
- Payment monitoring and reconciliation.
Business verification and compliance checks
Smart Bulk Payments applies a risk-based compliance framework to corporate onboarding and payment operations. Its procedures include:- Know Your Business (KYB) checks.
- Identity and beneficial ownership verification.
- Anti-Money Laundering (AML) controls.
- Sanctions and watchlist screening.
- Blockchain wallet screening and transaction monitoring.
- Source of funds verification.
- Enhanced due diligence where applicable.
- Travel Rule compliance procedures.
Payment records and reconciliation
3P Smart LTD maintains formal accounting records, transaction-level records and documented reconciliation procedures for Smart Bulk Payments payment operations. These support the separation of client and company funds, payment traceability, internal financial controls and operational reporting. Payment status monitoring and blockchain transaction hashes help our teams track cryptocurrency payments and investigate payment-related questions.In-house technology and operational support
Smart Bulk Payments and its core payment processing infrastructure are developed, maintained and operated by 3P Smart LTD’s dedicated in-house technical team. That team manages Smart Bulk Payments, its cryptocurrency payment execution infrastructure and related technical incidents. Our operational and technical teams provide support for:- Payment monitoring and transaction tracking.
- Investigation and resolution of payment-related incidents.
- Transaction reconciliation.
- Technical troubleshooting.
- Direct communication with corporate clients.