PH365 Anti-Money Laundering Policy and PAGCOR Compliance Framework

PH365 holds PAGCOR licence PAGCOR-OR-2018-0365 and operates under the Philippine Anti-Money Laundering Act (Republic Act 9160, as amended by RA 10927). That amendment explicitly brought casinos within the scope of AMLA, meaning PH365 is a covered person with mandatory reporting obligations to the Anti-Money Laundering Council (AMLC). Compliance is a condition of the licence, not a voluntary commitment, and the casino's AML framework is reviewed periodically against PAGCOR and AMLC guidance.

Customer due diligence starts at account creation and intensifies before any withdrawal is processed. Players must submit a valid government-issued ID and, depending on their transaction profile, may be asked for proof of address or a source-of-funds declaration. Enhanced due diligence applies to accounts where activity diverges materially from a player's declared risk profile - for example, frequent large cycles across GCash, Maya and TRON within a short window, or deposits that escalate sharply without a corresponding play pattern. All documents are stored securely; PH365 does not share personal data with third parties outside legally mandated disclosures.

Transaction monitoring runs across every product: casino, live, slots, sports, sportsbook, esports and poker. Automated rules flag structuring attempts, rapid fund cycling between payment methods and withdrawal frequencies that fall outside normal play behaviour. When a suspicious transaction is identified, a Suspicious Transaction Report is filed with the AMLC, typically within five working days of detection. Staff who file reports in good faith are protected under the bank-secrecy waiver provisions of RA 9160 and cannot face civil or criminal liability for doing so.

Accounts linked to verified suspicious activity are suspended immediately and the associated funds frozen pending investigation. Forfeiture is possible under Philippine law if the AMLC determines the funds are proceeds of unlawful activity. Players with questions about the verification process, or those who need to submit compliance documents, can reach the PH365 compliance team through live chat, email or phone - the same support channels available for general account queries.

PH365 operates under PAGCOR license PAGCOR-OR-2018-0365 and is legally bound by the Anti-Money Laundering Act (AMLA) of 2001, as amended by Republic Acts 9194, 10167, and 10365. The platform's compliance program rests on three pillars: customer due diligence, ongoing transaction monitoring, and timely reporting to the Anti-Money Laundering Council (AMLC). Every registered account goes through identity verification before any withdrawal is processed, and enhanced due diligence applies automatically to high-volume accounts or those flagged by automated screening tools.

Transactions at or above PHP 500,000 in a single session are classified as covered transactions and reported to the AMLC within five business days. Suspicious transaction reports carry no monetary threshold - patterns such as structured deposits designed to stay just below reporting limits, rapid cycling of funds through GCash or Maya, or repeated TRON transfers with no clear gaming purpose all trigger a manual review. The compliance team cross-references activity against AMLC watchlists and international sanctions databases before clearing any large withdrawal.

Source-of-funds checks are mandatory for withdrawals exceeding PHP 100,000. Depending on the declared income source, players may be asked to provide payslips, bank statements, or business registration documents. Accounts placed under review are temporarily limited: deposits and withdrawals pause while the check runs, typically within two to three business days. PH365 does not return funds to a payment method different from the one used for the original deposit - this rule closes a common layering route and aligns with PAGCOR's internal control standards. Staff who handle AML cases complete annual AMLC-approved training, and an independent compliance officer audits the program every calendar year.

PH365 holds PAGCOR license PAGCOR-OR-2018-0365, which obligates the platform to verify every account holder's identity before processing withdrawals or handling deposits above defined thresholds. Getting your documents in order early prevents delays when you are ready to cash out.

PH365 operates under PAGCOR license PAGCOR-OR-2018-0365 and applies a structured, three-stage AML framework to every transaction processed on the platform. At the first stage, all deposits and withdrawals are screened automatically against transaction thresholds defined in the platform's risk matrix. Payments via GCash, Maya, and TRON are each assessed for velocity patterns, unusual amounts, and mismatches between the funding source and the registered account holder. Any deposit that triggers a rule-based flag is held for secondary review before funds are credited or released.

The second stage is manual case review, conducted by a dedicated compliance team. Analysts examine flagged transactions in context: account history, recent betting patterns across casino, live, sports, and esports products, and the ratio of deposits to withdrawals over rolling 7- and 30-day windows. Where a player's activity deviates significantly from their established baseline - for example, a sudden shift from PHP 500 slot sessions to PHP 50,000 wire transfers with little gameplay in between - a Suspicious Transaction Report (STR) is prepared and submitted to the Anti-Money Laundering Council (AMLC) of the Philippines within the legally required timeframe.

Enhanced due diligence applies automatically to accounts that reach or exceed the PHP 500,000 cumulative deposit threshold within a calendar month, politically exposed persons identified during onboarding, and any account linked by device fingerprint or payment instrument to a previously flagged profile. These accounts are subject to source-of-funds documentation requests before high-value transactions are approved. PH365 does not process payouts to third-party wallets or accounts not matching the verified identity on file.

Staff involved in payment processing, account management, and customer support complete AML training on an annual cycle. Records of all STRs, due diligence files, and transaction logs are retained for a minimum of five years in line with Philippine AML regulations, and are available for inspection by PAGCOR or AMLC on request.

PH365 screens every account holder against internationally recognised sanctions lists before any withdrawal or deposit is processed, and repeats that screening whenever the lists are updated. This is not a one-time check at registration - the process runs continuously in the background, covering both individual players and any corporate entities linked to an account.

The primary reference sources are the United Nations Security Council Consolidated List, the U.S. Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list, and the European Union Consolidated Financial Sanctions List. PH365 also cross-references the Anti-Money Laundering Council (AMLC) watchlists issued under Philippine law, in line with the requirements of PAGCOR licence PAGCOR-OR-2018-0365. Where a name, date of birth, or document number produces a potential match, the account is flagged for manual review within two hours.

A confirmed match triggers account suspension and a hold on all pending transactions. The case is reported to AMLC within 24 hours, as required under Republic Act 9160 (the Anti-Money Laundering Act) and its amendments. No funds are disbursed until the relevant authority issues a directive. PH365 does not notify the account holder that a report has been filed, a practice known as the tipping-off prohibition, which is mandatory under Philippine AML law.

Fuzzy matching logic handles name transliterations and spelling variants, reducing both false negatives and unnecessary account blocks. Threshold settings are reviewed quarterly by the compliance team and adjusted to reflect any updated guidance from PAGCOR or the Financial Action Task Force (FATF). Players who believe they have been incorrectly flagged can submit a written dispute through PH365's compliance desk. Supporting identity documents are assessed within five working days, and accounts are reinstated if the review finds no genuine match against the lists in question.