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StablePay conducts security and compliance risk scans on on-chain payment addresses, transactions, and fund sources. In Transfer to Pay scenarios, risk scanning occurs after on-chain funds have arrived. If the transaction shows no significant risks, the order will be confirmed normally; if the transaction triggers high-risk rules, the order and associated funds will be temporarily frozen and enter a further compliance investigation process.

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What situations may trigger a compliance investigation?

Situations that may trigger an investigation include, but are not limited to:
  • Transaction addresses associated with sanctions lists or officially frozen addresses
  • Funds involved in fraud, gambling, money laundering, or Money Mule high-risk labels
  • Funds originating from high-risk jurisdictions
  • Abnormal on-chain fund flows, or inability to provide reasonable explanations
  • Other security or compliance risks requiring further verification
Risk labels indicate only that the transaction requires additional review, and do not necessarily mean that the payer themselves is engaged in related activities.

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How long does the investigation take?

Compliance investigations are typically expected to be completed within 10 business days. If the transaction involves complex fund paths, sanctions lists, law enforcement requests, or requires supplementary documentation from the payer or merchant, processing times may be extended.

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How are funds handled during the investigation?

During the investigation:
  • Funds will not enter the merchant’s available balance
  • The order will not settle normally
  • The merchant cannot temporarily initiate withdrawals or refunds for these funds
  • StablePay will isolate the relevant funds pending investigation results
Please do not ask the payer to submit duplicate payments for the same order.

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Is documentation required?

Depending on the investigation circumstances, StablePay may require the merchant or payer to provide the following materials:
  • On-chain transaction records or transaction hashes
  • Proof of ownership of the payment wallet
  • Explanation of fund sources and payment purpose
  • Orders, contracts, invoices, or proof of goods and services
  • Other materials required for compliance investigation
If supplementary materials are required, StablePay will notify via email, support ticket, or the merchant dashboard.

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What happens after the investigation is completed?

Upon completion of the investigation, the following outcomes may occur:
  • Risk Cleared: The order returns to normal status and completes settlement
  • Additional Materials Required: The order remains frozen pending submission of documentation
  • Transaction Rejected: Relevant funds are handled according to investigation results and compliance requirements
  • Regulatory Freeze: If sanctions, law enforcement, or judicial requirements are involved, funds will remain frozen or be handled in accordance with applicable laws and regulatory requirements
High-risk transactions are not automatically refunded by default; the final disposition is determined by compliance investigation results.
Last modified on June 18, 2026