Compliance

Rupto Technologies Pvt Ltd is a software product. Our service lets you keep USDT in a self-controlled wallet and pay Indian UPI merchants by routing INR through licensed Indian payment partners — the same RBI-authorised UPI rails that any merchant uses.

India's regulatory framework for virtual digital asset service providers is evolving. We are tracking the framework and will register with the Financial Intelligence Unit–India (FIU-IND) under the Prevention of Money Laundering Act, 2002, as our scope of activity matures.

Every user completes identity verification at signup. We collect government-issued identity, contact details, and, where required, additional documents — the same checks any consumer-money platform routing through licensed Indian payment partners requires. Accounts that cannot or will not complete verification are restricted.

We run a risk-based programme covering customer due diligence, ongoing monitoring, and enhanced checks for higher-risk users or activity. Suspicious or unusual activity may result in transactions being held while we review them.

Users and counterparties are screened against applicable sanctions and watch-lists. We do not onboard sanctioned persons or knowingly facilitate prohibited transactions.

Automated and manual monitoring looks for unusual patterns — structuring, sudden spikes in velocity, or links to addresses associated with illicit activity. Transactions that are flagged may be held while we review them.

The INR side of every payment is moved by a licensed Indian payment partner — a Reserve Bank of India authorised Payment Aggregator under the PA-PG framework. We do not move INR ourselves. The partner runs its own compliance, KYC, and AML programme on top of ours.

Each user gets a custodial USDT address on every supported chain. Balances are visible on-chain. Internal accounting moves in step with on-chain transfers and licensed-partner UPI payouts — every scan-pay produces a bank UTR you can verify on the merchant's statement.

We retain identity and transaction records in line with applicable laws and the requirements of our payment partners. On a lawful request from an Indian regulator, court, or law-enforcement agency, we provide only the information the request and the law require.

Indian tax law applies to virtual digital assets. This includes tax deducted at source (TDS) under section 194S of the Income-tax Act and tax on gains from virtual digital assets. Your overall tax position is your own responsibility — please consult a qualified tax adviser. Rupto provides a CSV export so you can file accurately.

We cooperate with valid, lawful requests from Indian regulators, courts, and law-enforcement agencies, and disclose only the information that the request and the law require.

To report suspected fraud, a compliance concern, or misuse of Rupto, email contact@rupto.in. Reports are reviewed by our team, and genuine concerns are acted on promptly.