Collaboration with Platforma 365

Cardaq has been working with Platforma365 for almost five years as part of its structured compliance infrastructure.

Throughout this period, Cardaq has implemented the majority of Platforma365’s compliance modules, including onboarding and verification, KYB/KYC processing, name and sanctions screening, adverse media checks, ongoing AML monitoring, risk scoring, risk assessment, and case management workflows.

The onboarding framework used by Cardaq was customized specifically to reflect its regulatory profile as a multi-licensed EMI operating across jurisdictions. Dedicated onboarding flows were designed to align with their operational model, internal risk methodology, and documentation requirements.

Compliance is treated by Cardaq as an integral operational layer rather than a regulatory formality. The implementation of Platforma365 supports this approach by centralizing processes, ensuring structured documentation, and maintaining visibility across onboarding and monitoring activities.

About Platforma365

Platforma365 is an end-to-end compliance management platform built for regulated financial institutions and fast-growing cross-border operators, including EMIs, payment providers, fintechs, and related financial services businesses.

The platform consolidates onboarding, KYB/KYC processing, AML screening, ongoing monitoring, risk analysis, reporting, and case management into a single cloud-based system, accessible through both dashboard and API.

The platform was developed to address a recurring challenge in regulated industries: fragmented compliance tools that create operational blind spots. By unifying these processes within one structured environment, Platforma365 enables organizations to scale while maintaining regulatory control and audit readiness.

Platforma365 was recognized as a “Market Disruptor” in the Chartis Financial Crime 2025 report and operates under internationally recognized ISO standards for information security and business continuity.

Operational Capabilities Relevant to EMI Environments

Platforma365 provides a configurable compliance infrastructure suitable for multi-licensed EMI operations requiring structured onboarding, continuous screening, and documented governance controls.

Risk-Based KYB & KYC Onboarding

The platform supports the onboarding of both legal entities and individuals within a unified framework.

Capabilities include:

• Configurable onboarding workflows aligned with internal risk policies
• Automated profile creation with embedded risk scoring
• Screening against global sanctions lists, PEP databases, and adverse media sources
• Tier-based due diligence logic (enhanced checks triggered by risk level)
• Integrated ID&V within the onboarding flow
• Custom data collection forms and document verification rules

Risk scoring parameters, escalation triggers, and required documentation fields are configurable to reflect jurisdictional exposure and licensing requirements.

Ongoing Screening & AML Oversight

Customer records are subject to continuous monitoring through:

• Automated daily re-screening against updated sanctions and PEP sources
• Real-time or batch screening configurations
• Configurable alert thresholds
• Structured periodic review workflows

Screening updates are system-driven and do not rely on manual re-checks, supporting continuous compliance coverage.

Investigation & Case Management

Alerts generated by screening or risk changes are routed into structured investigation workflows.

The system enables:

• Alert triage and categorization
• Documented investigation steps and rationale recording
• Escalation management
• SAR support documentation
• Full audit logging of user actions

Role-based access control enforces segregation of duties and restricts sensitive data visibility according to user permissions.

Infrastructure & Integration

Platforma365 is deployed as a cloud-based system accessible via dashboard and API. The platform supports:

• API integration within payment ecosystems
• Role-based user management
• Encrypted data transmission (TLS)
• Configurable data retention policies
• Centralized audit trail

This structure allows compliance processes to operate as part of the core operational infrastructure rather than as disconnected tools.

Security Framework and Certifications

Platforma365 operates under:

• ISO/IEC 27001 (Information Security Management)
• ISO/IEC 27017 (Cloud Security Controls)
• ISO/IEC 22301 (Business Continuity Management)

Data transmission is encrypted (TLS), API keys are securely managed, and access to the platform is governed by role-based permissions. Full audit logs are maintained across user activity and compliance actions.

The system is designed to support organizations operating under multi-jurisdiction regulatory frameworks and GDPR-aligned data environments.

Governance & Audit Readiness

A central component of the Platforma365 architecture is structured governance visibility.

For regulated institutions such as EMIs, regulatory resilience depends not only on screening capabilities but also on documentation clarity, traceability of decision-making, and the ability to demonstrate consistent risk-based processes.

Platforma365 centralizes onboarding documentation, risk assessments, alert management, and escalation histories within one system. This reduces dependency on disconnected spreadsheets or external documentation and strengthens internal control frameworks.

The result is improved transparency for internal compliance teams, clearer reporting lines for senior management, and structured evidence preparation for regulatory audits.