PAA CAPITAL – Code of Ethics
Last Updated: 10 November 2025
Ethics Are the Foundation of Trusted Financial Stewardship
At PAA CAPITAL GROUP (“PAA CAPITAL”), ethics are at the heart of how we operate.
This Code of Ethics sets out the moral and professional principles that guide our decisions, shape our culture, and underpin our obligations to clients, partners, regulators, and society.
Our commitment is simple: we do what is right, not only what is required.
This Code applies to all employees, officers, directors, contractors, and representatives of PAA CAPITAL across all jurisdictions.
1. Client-Centric Responsibility
Our clients place significant trust in us. We honour that trust by:
Acting with loyalty, honesty, and due care
Avoiding practices that may mislead or disadvantage clients
Providing transparent, fair, and responsible financial services
Prioritizing clients’ interests above short-term commercial gain
We measure success not only by outcomes, but by how ethically those outcomes are achieved.
2. Integrity Without Exception
Integrity is non-negotiable. It guides our behaviour even when no one is watching.
We commit to:
Acting truthfully and consistently
Avoiding deceptive or manipulative conduct
Upholding ethical standards in every business decision
Setting an example for responsible behaviour within the financial sector
Integrity is the cornerstone of our license to operate.
3. Responsible Innovation
As a regulated VASP, payment provider, and emerging global fintech, innovation is central to our mission.
We embrace new technologies—blockchain, digital assets, AI, and advanced payments—responsibly.
We ensure that innovation:
Aligns with legal and ethical expectations
Protects clients, markets, and financial stability
Considers long-term societal impact
Advances transparency, efficiency, and financial inclusion
Innovation must serve people, not the other way around.
4. Ethical Risk Management
Strong ethics and strong risk management are inseparable.
PAA CAPITAL commits to:
Identifying and mitigating risks that may harm clients, communities, or financial systems
Rejecting excessive or reckless risk-taking
Ensuring decisions are balanced, informed, and evidence-based
Embedding ethics into AML/CFT, compliance, cybersecurity, and operational frameworks
Ethical choices safeguard our clients and our future.
5. Environmental Stewardship
Finance and sustainability are no longer separate. PAA CAPITAL recognises our responsibility to support the planet.
We commit to:
Reducing our operational carbon footprint
Supporting reforestation and environmental restoration initiatives
Developing blockchain-enabled carbon credit solutions via Afriverde and related ventures
Promoting climate-resilient finance and sustainable investment principles
Ethical finance includes caring for the world we leave behind.
6. Social Responsibility & Inclusion
We believe financial institutions must contribute positively to society.
We support:
Economic inclusion for underbanked communities
Fair access to financial infrastructure
Programs that promote equality, education, and opportunity
Ethical partnerships aligned with our values
Our role extends beyond financial services—it includes uplifting the communities we serve.
7. Transparency & Honest Communication
Ethical behaviour depends on clear, truthful, and responsible communication.
We commit to:
Transparent disclosure of information
Avoiding misleading statements or omissions
Communicating respectfully and professionally with clients and regulators
Ensuring financial products are marketed responsibly
Trust is built through clarity.
8. Confidentiality & Ethical Data Use
Handling sensitive financial and personal information is a profound responsibility.
We ensure:
Strict data protection and confidentiality
Ethical handling of digital assets, financial records, and client data
Compliance with GDPR and other international privacy laws
Responsible use of AI and automation technologies
Data must be protected, respected, and used only for legitimate purposes.
9. Continuous Ethical Development
The financial and digital asset landscape evolves rapidly.
We ensure our people are prepared.
PAA CAPITAL commits to ongoing ethical education through:
Mandatory training programs
Guidance on emerging ethical challenges
Regular policy updates
Encouraging a culture of questions, learning, and accountability
Ethics are strengthened through awareness and continual improvement.
10. Reporting Ethical Concerns
Upholding this Code is everyone’s responsibility.
Any concerns, unethical behaviour, or suspected violations must be reported in good faith.
Employees, partners, and clients may report through:
Our secure encrypted whistleblowing portal
Internal compliance channels
Regulatory authorities if appropriate
Retaliation against individuals who report in good faith is strictly prohibited.