| # | Condition | Evidence | Nongor |
|---|---|---|---|
| 1 | BFIU-compliant KYC and AML programme, reviewed yearly by an external firm | Review report | passed |
| 2 | All client money at licensed banks or PSPs, never on the operator's books | Bank agreements, escrow statements | 2 banks, 1 PSP |
| 3 | Published fee schedule; no fee before revenue; government fees passed through at cost | Fee page | 4% on release |
| 4 | Published refusal and complaints policy; 15-day dispute clock; independent channel | Policy, dispute log | 2.1% dispute rate |
| 5 | Consent-based data sharing with the state rail; personal data stays with the operator | Data-sharing agreement | signed |
| 6 | Transparency ledger that the listed party cannot edit | Ledger audit | passed |
| 7 | Quarterly report in the common format: contracts, escrow, repatriation, disputes, days per step | Published reports | 4 of 4 |
Any company registered in Bangladesh