KYC & AML Policy

KYC requirements — Freelancers

KYC is mandatory before first withdrawal. Required documents:

• PAN card — mandatory for TDS compliance under Section 194-O.
• Aadhaar card, Passport, or Voter ID — identity verification.
• Bank account details with cancelled cheque or bank statement — payout verification.
• GSTIN — required only if annual taxable turnover exceeds Rs. 20 lakhs.

KYC requirements — Creators

• GST-registered creators must provide GSTIN for B2B invoicing and ITC claims.
• Billing name and address required for invoice generation.
• For orders above Rs. 2,00,000, additional identity verification may be requested.

AML controls

• Meetrub monitors transactions for unusual patterns — unusually large orders, rapid payment succession, or inconsistencies with stated account purpose.
• Meetrub may freeze funds, suspend accounts, and report suspicious transactions to FIU-IND as required under PMLA.
• Meetrub will not process transactions structured to avoid reporting thresholds.
• Freelancers may not use the Meetrub wallet as a banking or money transfer facility.

Document verification

• KYC documents reviewed by admin within 2 business days of submission.
• Rejected documents receive a clear reason and opportunity to resubmit.
• KYC documents stored encrypted and not shared except as required by law.