How are client funds protected at Transwap?

All client funds are held in segregated accounts at licensed custodian banks, separate from Transwap's operating capital. This structure ensures that client balances remain ring-fenced and accessible regardless of Transwap's financial position.

Which regulators oversee Transwap's operations?

Transwap is licensed and regulated across five jurisdictions: MAS in Singapore, HKCED in Hong Kong, Bank Indonesia, the FCA in the United Kingdom, and FINTRAC in Canada. Macau operations are conducted through a regulated partnership with BDO Remit.

How does Transwap protect personal and financial data?

All data is encrypted at rest and in transit using AES-256 and TLS 1.2+ protocols. Access controls follow the principle of least privilege, and infrastructure undergoes regular third-party penetration testing and SOC compliance audits.

Security

Q: What transaction monitoring does Transwap perform?

Every transaction is screened in real time against global sanctions lists, PEP databases, and adverse media sources. Automated rule engines flag anomalous patterns for manual review by our compliance team before settlement.

Funds separate from operations

Partnered with licensed banks

Not used internally or for lending

Real-time transaction visibility

Funds separate from operations

Partnered with licensed banks

Not used internally or for lending

Real-time transaction visibility

Intelligent
fraud & risk prevention.

We don't just react to fraud, we prevent it.
‍

AI-powered transaction monitoring

Behavioral analysis across accounts and users

Real-time anomaly detection

Automated risk scoring before execution

Full-stack infrastructure security.

Security is embedded across every layer of our platform.
‍

End-to-end encryption (data in transit & at rest)

Secure APIs with authentication & rate limiting

Cloud infrastructure with redundancy & failover

Continuous penetration testing and scans

Advanced account protection.

Keep control over every access point in your business.

Advanced security technology.

Our platform is built with enterprise-grade security and encryption to protect your data and every transaction you make.

Real support, whenever you need it.

Our dedicated support team is available to assist you whenever you need help with your transfers or account.

Built to keep your money safe.

Your funds are safeguarded and kept separate from Transwap’s operating accounts, ensuring they remain protected and always available to you.

Multi-factor authentication (MFA)

Define who can view, send, and manage payments across your team.

Biometric login (where supported)

When you’re passing the benefits of your hard work on to your family’s next generation, you need peace of mind. That’s why our team of large transfer experts are on hand to walk you through every step of the process and answer any questions you have.

Device & session management

When you’ve been waiting for the perfect moment to move on a stock option, you want the benefits of your judgement to show up in your account. That’s why Wise lets you move large amounts at the mid-market exchange rate.

Auto logout & suspicious login alerts

When you’ve been waiting for the perfect moment to move on a stock option, you want the benefits of your judgement to show up in your account. That’s why Wise lets you move large amounts at the mid-market exchange rate.

Compliance &
global regulation.

We operate within strict financial regulations across jurisdictions.

Licensed and compliant across multiple regions

Track incoming payments instantly and monitor transaction status with full transparency.

Anti Money Laundering
monitoring

Send invoices, payment requests, or share payment instructions with clients worldwide.

KYC / KYB verification processes

Collect payments in multiple currencies and manage your balances in one unified dashboard.

Audit trails for all transactions

Strong controls and anti-fraud systems to protect your business funds.

Licensed and compliant across multiple regions

Track incoming payments instantly and monitor transaction status with full transparency.

Anti Money Laundering
monitoring

Send invoices, payment requests, or share payment instructions with clients worldwide.

KYC / KYB verification processes

Collect payments in multiple currencies and manage your balances in one unified dashboard.

Audit trails for all transactions

Strong controls and anti-fraud systems to protect your business funds.

Dedicated fraud & security specialists

Transfer money internationally with transparent fees, competitive exchange rates, and reliable delivery.

24/7 support via chat, email, and phone

Transwap applies institutional-grade security, regulatory compliance, and operational controls across every transaction processed through its infrastructure.

Incident response & escalation protocols

Stay informed every step of the way with clear status updates and full visibility on your international transfers.

Secure payments
and payout controls.

Pay thousands of recipients worldwide with a secure and scalable payout platform.

Open an Account

Frequently asked
questions.

Common questions about Transwap's security infrastructure and regulatory compliance.

Search help articles

How does Transwap protect client funds?

Client funds are held in segregated accounts with licensed banking partners, fully separate from Transwap's corporate operating funds. Structured risk management and daily reconciliation processes ensure fund integrity across all jurisdictions.

Which regulators oversee Transwap?

Transwap holds licences across 5 jurisdictions, including the Monetary Authority of Singapore (MAS) and FINTRAC in Canada (MSB registration M22512088). Each licence imposes specific capital adequacy, AML, and reporting requirements that Transwap adheres to.

What transaction monitoring does Transwap perform?

All transactions are subject to automated compliance screening, including sanctions list checks, PEP screening, and risk-based transaction monitoring. Flagged transactions are reviewed by Transwap's compliance team before processing.

How does Transwap secure data in transit and at rest?

All data is encrypted using TLS 1.2+ in transit and AES-256 at rest. Access controls follow the principle of least privilege, with multi-factor authentication enforced for all administrative access. Infrastructure is hosted in SOC-compliant data centres with redundancy across multiple availability zones.

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