QvaPay Bouncer AI Watches Every User, Every Transaction, All the Time
Our transaction monitor checks every account every day, restricts on a fail, and puts every case in front of our compliance officer.
Tim Parsa · Co-Founder & CCO, QvaPay · 19 May 2026 · 4 min read Subscribe
Every compliance program I built, at Todito Cash, Uphold, and Airtm, had people and vendors in the middle: one vendor for identity, another for screening, another for monitoring, and analysts clearing alert queues by hand. The program was only as good as its slowest handoff. With AI, Erich and I realized we could build our own, on our own flows.
What it does
Bouncer sweeps the whole ledger every day. It queries every account for structuring, velocity, rapid in-and-out, funnels, and counterparty spread, and checks each one against the purpose its owner declared. On a fail, it restricts the account and writes the case for our compliance officer, who decides. We tune its rules every week as new patterns show up.
| Flow | Legitimate | Bad actor, and what Bouncer does |
|---|---|---|
| Remittances | A daughter in Tampa sends $300 to her mother every two weeks. | Twenty unrelated senders each send $499 to one account in a day. Funnel pattern: restricted, case opened. |
| Business payments | A bakery pays its U.S. exporter against invoices. | A "bakery" asks to pay a bank in a third country, with no goods behind it. Refused and reviewed by our compliance officer. |
| P2P forex | Peers trade daily at the market rate. | Two accounts trade back and forth to manufacture volume. Flagged for the compliance officer. |
| Contractor payments | A studio pays four contractors monthly. | "Contractor payments" to fifty accounts opened the same week. Flagged before the second run. |
A U.S. bank will sit behind a Cuba corridor only if it can see the corridor police itself. Bouncer and the compliance officer who reviews its cases let it see that.
Compliance technology built in the United States by a Cuban-American founder, under U.S. law, lets this corridor grow from an estimated $1.1–2 billion a year toward the Dominican Republic’s rate per person, five to nine times today.
Bouncer screens every party in these flows, every time.
| Flow | How we grow it | U.S. tech meets Cuban talent |
|---|---|---|
| Remittances Permitted · 31 CFR §515.570 (U.S. senders) | Marketing by use case to the diaspora in Miami and beyond; every sender and recipient screened. | Diaspora dollars become working capital for families and the private businesses they start. |
| Assisted vendor payments QvaPay's reading of §515.533/§515.421 · pending with OFAC | SkyMind will pay U.S. exporters by wire from QvaPay's U.S. bank; a Florida logistics hub shortens delivery. | U.S. exporters sell solar panels, tools, and machines to Cuban private businesses. |
| P2P forex Pending with OFAC · no authorization asserted | SkyMind matches orders and more screened traders join. | Every trader is a small business: Cubans earn a spread connecting dollars and pesos. |
| Pay independent contractors Permitted for U.S. payers · §515.582, §515.340(b); not employment | Sign U.S. companies that contract independent Cuban developers and studios; one onboarding per client. | U.S. companies contract independent Cuban engineers and designers and pay each invoice in dollars. |
The potential. Remittances into Cuba run an estimated $1.1–2B a year (2024; estimates vary). At the Dominican Republic’s rate per person, Cuba would receive about $9.8B, five to nine times today. That is the market QvaPay is built to serve.
| Market | Cuba today | Cuba at the Dominican Republic’s rate per person |
|---|---|---|
| Remittances received | $1.1–2B 2024 est., estimates vary | $9.8B DR total $11.9B (2025) |
A scenario, not a forecast. The Dominican Republic received $11.9B in remittances in 2025 across 11.4 million people, about $1,040 a person; at that rate Cuba’s 9.43 million people would receive about $9.8B a year, five to nine times today. Method and sources.
Not one U.S. bank onboarded a Cuban entrepreneur under the 2024 rule, because OFAC never set a due-diligence standard. Legal authorization has little value if intermediaries won’t act on it. On cubanew.com ↗
Sources
If this was useful, pass it to someone building in Cuba.