November First adheres to the legal requirements for the countries we operate within. Transfering funds across international borders requires various KYC and AML regulation to be complied with. We are required to register and perform assessments on our partners and customers. Depending on your business model, compliance requires the following: API Partner onboarding The API Partner will use the November First API to transfer its own funds. Compliance requires onboarding of the API Partner alone. Customer of API Partner onboarding If your application will use the November First API to transfer funds on behalf of your customers, then these need to be onboarded customers with November First as well.