Cash vs. Bank Transfers

ANTI-MONEY LAUNDERING (AML) & CFT POLICY STATEMENT

Last Updated: 01 January 2026

eBalkan Marketplace (eBM) places the highest priority on the prevention of financial crime. We operate in strict compliance with the applicable laws of the Republic of Kosovo and international standards for the prevention of money laundering and terrorist financing.

1. LEGAL FRAMEWORK

Our operations and verification procedures are aligned with Law No. 05/L-096 on the Prevention of Money Laundering and Combating the Financing of Terrorism. As a platform facilitating real estate transactions and connecting investors, we recognize our responsibility in detecting and preventing illegal cash flows.

2. KNOW YOUR CUSTOMER (KYC & DUE DILIGENCE)

eBM applies strict user identification procedures (Know Your Customer – KYC) before granting access to investment services or Partner status:

• Identity Verification: All Agents, Agencies, and Investors (VIP users) undergo identity verification and business registration checks.

• Beneficial Owner: For legal entities, we require identification of the ultimate beneficial owner.

• No Anonymity: eBM does not support anonymous transactions or business with shell companies.

3. REPORTING OBLIGATION

In accordance with legal obligations, eBM and its partners (Agencies) act as reporting entities. Any transaction or activity considered suspicious will be reported, without delay and without prior notification to the user, to the Financial Intelligence Unit of Kosovo (FIU-K) and other competent authorities.

4. OBLIGATIONS OF OUR PARTNERS

All partners on the platform (Real Estate Agencies and Investors) are contractually bound to comply with AML/CFT procedures. eBM reserves the right to immediately suspend the account of any user for whom there is reasonable suspicion that they are using the platform for illegal activities.

IMPORTANT NOTE FOR THE OWNER (ACTION REQUIRED):

1. Law Verification: Ensure that Law No. 05/L-096 is the most current reference. Kosovo laws are occasionally amended. Ask your legal advisor if you should also reference Law No. 08/L-196 (if applicable to your specific sector).

2. FIU-K Link: It is often good practice to have a hidden internal procedure document that tells your staff exactly how to contact the FIU-K if they spot something suspicious.

3. Placement: This document is usually placed in the footer of the website, near the “Privacy Policy” and “Terms of Use.”

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