TSRA Compliance & AML Framework | Cumplimiento TSRA & Marco Antilavado

AquiCargo is a B2B commercial coordination platform operating exclusively under the Trade Sanctions Reform and Export Enhancement Act (TSRA, Pub. L. 106-387, 22 U.S.C. §§ 7201–7211), the U.S. federal law that has authorized the sale of agricultural products, food, medicine, and hygiene products to Cuba since 2000, subject to cash-in-advance payment and compliance with OFAC and BIS regulations.

All platform service fees are domestic U.S.–U.S. transactions between AlianzaVital LLC and U.S. companies and authorized Cuban buyers. AquiCargo is not a party to any export transaction, takes no title to any goods, and does not intermediate payments between Cuba and the U.S.

Applicable Regulatory Framework / Marco Normativo Aplicable

• TSRA (Pub. L. 106-387): Explicitly authorizes the sale of agricultural products, food, medicine, and hygiene products from the U.S. to Cuba. 22 U.S.C. §§ 7201–7211
• CACR (Cuban Assets Control Regulations): Treasury Department Cuban asset control regulations. 31 CFR Part 515
• EAR / BIS: Department of Commerce Export Administration Regulations. 15 CFR Part 746
• OFAC SDN & CRL: Specially Designated Nationals List and Cuba Restricted List from the Department of State. 31 CFR § 515.209

AquiCargo is a B2B transaction coordinator. We are not a payment processor, exporter of record, customs broker, or financial intermediary between Cuba and the U.S.

We charge membership fees, coordination fees, and RFQ fees to verified U.S. vendors and authorized Cuban buyers for coordination services performed in the U.S.

Entity: AlianzaVital LLC d/b/a AquiCargo · 7901 4th St. N., Suite 300, St. Petersburg, FL 33702.

Prohibited Conduct / Conductas Prohibidas

• Sanctions Evasion / Evasión de Sanciones. Using the platform to disguise operations prohibited under OFAC, IEEPA, or TWEA. Civil exposure up to $1,078,156 per violation plus federal criminal liability. 31 CFR Part 515 · 50 U.S.C. § 1705 · 50 U.S.C. § 4305
• Trade-Based Money Laundering (TBML) / Lavado de Dinero Basado en Comercio. Fictitious invoicing, over/under-invoicing, or false declaration of goods value to move illicit funds through trade transactions. 31 U.S.C. § 5318 (BSA) · FinCEN Advisory FIN-2014-A005 · 18 U.S.C. § 1956
• Export of Prohibited or Dual-Use Goods / Exportación de Bienes Prohibidos o Dual-Use. Attempting to coordinate exports of goods not authorized under TSRA, EAR-controlled items, ITAR defense articles, or any item on the Commerce Control List. 15 CFR Part 746 · 22 CFR Parts 120–130 (ITAR) · EAR CCL
• Shell Companies / False Identity / Empresas Pantalla / Identidad Falsa. Registering using fictitious entities, stolen identities, or structures designed to conceal the true beneficial owner (UBO) or the Cuban nature of the counterparty. 18 U.S.C. § 1001 · CTA 2024 · FinCEN CDD Rule
• Remittances Disguised as Commerce / Remesas Disfrazadas de Comercio. Using platform trade transactions as a covert vehicle to transfer value to Cuba outside the OFAC-authorized remittance framework. 31 CFR § 515.570 · 31 U.S.C. § 5330 · MSB licensing requirements
• Compliance Fraud / Fraude en Declaraciones de Cumplimiento. Submitting false TSRA certifications, altered export documents, or fraudulent product category declarations to obtain platform access. 18 U.S.C. § 1001 · 18 U.S.C. § 1343 (wire fraud) · 18 U.S.C. § 542

Every company operating on AquiCargo undergoes independent anti-money laundering (AML), know-your-customer (KYC), and counter-terrorism financing (CTF) controls before first access and on every processed transaction.

4.1 KYB — Know Your Business / Conoce Tu Empresa

Validation of EIN/NIT, formation documents, ownership structure (UBO), W-9, and OFAC SDN screening. Mandatory for all active membership levels. Result within 24–72 business hours. No participant may operate without approved KYB.

4.2 OFAC SDN + Cuba Restricted List / Lista Restringida de Cuba

Screening against OFAC’s Specially Designated Nationals list and the State Department’s Cuba Restricted List at registration and on every processed RFQ. No exceptions. Monthly rescreening of all active members. 31 CFR § 515.209

4.3 TBML Pattern Monitoring / Monitoreo de Patrones TBML

Automated detection of trade-based money laundering red flags: goods valuation discrepancies, TSRA category inconsistencies, order-splitting patterns, and counterparty anomalies. FinCEN Advisory FIN-2014-A005

4.4 SAR Protocol / FinCEN Reporting

Suspicious activity triggers immediate internal review. AquiCargo maintains a documented FinCEN referral protocol pursuant to the BSA. No notification to the reported subject. 31 U.S.C. § 5318

AquiCargo service fees are charged to U.S. companies and authorized Cuban buyers for coordination services performed in the U.S. There is no direct Cuban financial counterparty in our platform transactions.

Platform Payment Flow / Flujo de Pagos de Plataforma

• U.S. Vendor / Proveedor EE.UU.: KYB-verified U.S. company pays an annual membership fee and coordination fee to AlianzaVital LLC for platform access and services.
• AquiCargo / AlianzaVital LLC: Receives service fees in USD — membership fees, coordination fees, and RFQ fees. No direct financial transactions with Cuba.
• Cuban Buyer / Comprador Cubano: Authorized MiPYME, NGO, or state entity pays membership and RFQ fees to AlianzaVital LLC. Payment for goods to the U.S. vendor goes direct (cash in advance, per TSRA and OFAC requirements).

All platform fee payments are processed exclusively through U.S.-licensed processors in U.S. dollars (USD), with a complete audit record available for financial institution review.

6.1 Membership Fee / Cuota de Membresía

Annual platform access fee. Applies to U.S. vendors (Vendor Active, Founding Vendor, Enterprise) and authorized Cuban buyers (Buyer Pro, Buyer Enterprise). This is a fee for coordination services performed in the U.S. — not payment for goods.

6.2 RFQ Fee / Tarifa RFQ

Per-Request-for-Quote fee. Applies to authorized Cuban buyers for each RFQ submitted through the platform. Also applies to Buyer Basic and Buyer Pro tiers.

6.3 Coordination Fee

Service fee upon successful close of a coordinated transaction in the Deal Room. Applies to Vendor Active/Enterprise on the declared order value. Only charged upon documented successful close.

AquiCargo processes fees exclusively through partners that understand the TSRA framework and process domestic U.S. service fees for OFAC general-license-authorized B2B coordination platforms.

QuickBooks Payments (by Intuit) — Primary Processor / Procesador Principal

We process membership fees, coordination fees, and RFQ fees via QuickBooks Payments. Accepts direct invoicing, ACH, and credit card. Integrated with QuickBooks Online for automatic reconciliation and TSRA audit records. All payments in USD to AlianzaVital LLC d/b/a AquiCargo.

PayPal Business — Secondary Option / Opción Secundaria

Alternative option for platform participants. Accepts credit/debit cards, PayPal balance, and Venmo. All payments in USD to AlianzaVital LLC d/b/a AquiCargo.

AquiCargo cooperates fully with all federal enforcement agencies. We maintain documented protocols for responding to subpoenas and information requests from OFAC, FinCEN, BIS, DOJ, and HSI.

• Suspicious Activity Reports (SAR) / Reportes de Actividad Sospechosa: Pursuant to BSA 31 U.S.C. § 5318. No notification to the reported subject.
• Monthly Rescreening / Rescreening Mensual: All active members are screened monthly against the OFAC SDN list and Cuba Restricted List.
• Immutable Audit Log / Registro de Auditoría Inmutable: Every legal acceptance, KYB document access, and security event is logged with IP address, UTC timestamp, and user agent. The log is unalterable.
• Immediate Suspension / Suspensión Inmediata: Any sanctions list match triggers automatic account suspension pending manual review. No exceptions.

Any suspicious activity detected by the TBML monitoring system or reported by platform users triggers an immediate internal review and, if confirmed, referral to FinCEN under the SAR protocol. 31 U.S.C. § 5318 · 31 CFR Part 1010

For compliance inquiries, due diligence requests, or partnership discussions — including financial institutions, correspondent banks, and regulators — contact directly:

Email: [email protected]
Entity / Entidad: AlianzaVital LLC d/b/a AquiCargo
Address / Dirección: 7901 4th St. N., Suite 300, St. Petersburg, FL 33702
Governing Law / Ley Aplicable: Florida, U.S.A.
Controlling Language / Idioma Rector: Spanish / Español

We maintain complete legal documentation under the TSRA framework, documented AML/KYC policies, and full service fee records available for review by financial institutions, correspondent banks, and auditors. / Contamos con documentación legal completa bajo el marco TSRA, políticas AML/KYC documentadas y registro completo de tarifas de servicio disponible para revisión de instituciones financieras, bancos corresponsales y auditores.

TSRA Authorized · OFAC Compliant · AML/KYC Controls Active · FinCEN SAR Protocol in Place