AesirX ComplianceOne | Vietnam Payments Compliance Operations

Why This Overlay Matters

Vietnam’s active payment stack combines the Anti-Money Laundering Law and Decree 19 with Decree 52 on non-cash payments and State Bank circulars governing payment accounts and bank cards.

This is an optional payments-sector overlay for banks, fintechs, payment intermediaries, e-wallet providers, account providers, card issuers, and acquirers. It extends beyond the Banking Circular 83 internal-controls overlay rather than replacing it.

Direct use requires confirmed payment-sector scope. Other organizations, including payment-heavy customers that need visibility into provider expectations, can install it for reference.

What the Banking, Fintech and Payments Overlay Covers

Dimension

Coverage

Instrument

Vietnam Anti-Money Laundering Law 2022 and Decree 19/2023, Decree 52/2024 on Non-Cash Payments, and State Bank Circulars 17/2024 (payment accounts) and 18/2024 (bank cards), extending beyond the Banking Circular 83 internal-controls overlay.

Scope

Banks, fintechs, intermediaries, e-wallets, payment accounts, card issuers, and acquirers.

AML links

Customer identity, beneficial ownership, risk, monitoring, and reporting evidence.

Accounts and identity

eKYC, biometrics, verification, matching, exceptions, access, and retention.

Payments and cards

Services, wallets, merchants, transactions, devices, authentication, security, fraud, and incidents.

Authority evidence

Applicable artifact, trigger, responsible party, verified channel, and acknowledgement.

Installation

Optional; direct after payments-scope confirmation, or reference-only.

How ComplianceOne Supports Payment Operations

Teams can inventory payment services and connect accounts, wallets, cards, merchants, devices, channels, and systems. AML evidence remains linked to customer and transaction records without replacing specialist review.

eKYC and biometric records capture verification, exceptions, access, retention, and privacy context. Card-data workflows connect safeguards, fraud events, incidents, vendors, remediation, and closure.