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Last updated: March 8, 2026
Dynamo Finance is committed to preventing the use of its interface for money laundering, terrorist financing, sanctions evasion, or any other illicit financial activity. This policy describes our compliance approach.

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Overview

Although Dynamo Finance is a non-custodial interface to decentralized smart contracts and does not process fiat currency or hold user funds, we implement AML-aligned controls at the interface layer to deter misuse and meet evolving regulatory expectations.

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Wallet Screening

All wallet addresses that interact with the Dynamo Finance interface are screened against industry-standard sanctions and risk databases, including:
  • OFAC SDN List (Office of Foreign Assets Control, U.S. Department of the Treasury)
  • UN Security Council Sanctions Lists
  • EU Consolidated Sanctions List
  • Chainalysis / TRM Labs risk scoring for addresses associated with known illicit activity (e.g., darknet markets, ransomware, mixers)

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Screening Process

  1. When a wallet connects to the interface, the address is checked against the above lists in real time.
  2. Addresses flagged as high-risk or matching a sanctioned entity are blocked from using the interface.
  3. Screening occurs at connection and may be re-evaluated on subsequent visits.
Wallet screening is applied at the interface layer only. The underlying Morpho smart contracts are permissionless and cannot be blocked by Dynamo Finance. Blocking at the interface level does not prevent direct on-chain interaction.

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Geographic Restrictions

Access to the Dynamo Finance interface is restricted in certain jurisdictions where applicable law prohibits the use of DeFi protocols or where OFAC/UN comprehensive sanctions are in place. Restricted regions include, but are not limited to:
  • Cuba
  • Iran
  • North Korea
  • Russia (certain activities)
  • Syria
  • Crimea, Donetsk, and Luhansk regions
  • Any other jurisdiction subject to comprehensive U.S., EU, or UN sanctions
Geo-blocking is applied based on IP address geolocation. Use of VPNs or proxies to circumvent geographic restrictions is a violation of our Terms of Service and may itself violate applicable sanctions law.

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Flagged Address Handling

If your wallet address is flagged or blocked:
  1. You will receive a notification at the point of wallet connection explaining that access is restricted.
  2. You will not be able to use the Dynamo Finance interface.
  3. If you believe your address has been flagged in error, you may submit a review request to legal@dynamo.finance with supporting documentation.
  4. We reserve the right to maintain access restrictions pending review and are not obligated to restore access.

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No KYC

Dynamo Finance does not currently require Know Your Customer (KYC) identity verification. However, this policy may change if required by applicable regulation. Wallet screening and geographic restrictions are applied in lieu of traditional KYC controls at this time.

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Prohibited Uses

The following activities are strictly prohibited:
  • Using Dynamo Finance to launder proceeds of illegal activity
  • Structuring transactions to evade reporting thresholds
  • Providing false information in any compliance review request
  • Circumventing geographic restrictions via VPN, proxy, or similar means
  • Using mixers, tumblers, or other obfuscation services in conjunction with the Dynamo interface

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Reporting

If you become aware of activity on the Dynamo Finance interface that you believe may constitute money laundering, sanctions evasion, or other financial crime, please report it to legal@dynamo.finance.

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Updates to This Policy

This AML Policy may be updated periodically to reflect changes in regulatory requirements or our compliance practices. Material changes will be reflected in the Last Updated date above.