AML/CFT Policy — Safe and Legal Transactions

We prevent money laundering, terrorism financing, and sanctions evasion. All fiat operations undergo strict AML checks. All cryptocurrency deposits without exception undergo on-chain screening.

FATF Compliant

International standards compliance

100% Fiat Screening

All fiat transactions checked

100% Crypto Analysis

Every deposit analyzed on-chain

Table of Contents

Scope and Regulatory Framework

We comply with applicable AML/CFT and sanctions compliance requirements in our operating jurisdictions, guided by FATF recommendations. The policy covers clients (individuals/legal entities), counterparties, payment and exchange operations, including fiat payments and crypto assets.

Key sources: FATF recommendations, local AML legislation, sanctions regimes (e.g., OFAC/EU/UK), banking rules and industry standards.

AML/CFT Risks and Why It Matters

Money laundering, terrorism financing, corruption schemes, sanctions evasion, fraud, use of mixers/anonymizers, shadow markets — all undermine the financial system and carry legal risks. Strict checks protect our clients, partners and company, while ensuring sustainable service operation.

Money laundering schemes
Terrorism financing
Sanctions evasion
Corruption and fraud
Mixer/anonymizer usage
Shadow market activities

Our Risk-Based Approach

We apply a risk-based approach (RBA), adapting the depth of checks to the risk level of the client and transaction:

Customer identification and verification before service begins (KYC)
Risk assessment by factors: jurisdiction, client profile, source and destination of funds, channels and instruments
Dynamic monitoring and EDD (enhanced due diligence) for elevated risks
Know Your Customer and Know Your Business Partner principles (KYC/KYB)

Customer Identification (KYC), PEP & Sanctions

KYC Requirements

Collection and verification of identification data, address, date of birth/registration, beneficial owners (for legal entities), source of funds/capital.

Sanctions Screening

Screening against international/local sanctions lists; matches → stop or EDD.

PEP Checks

Verification of politically exposed persons and their associates; matches require EDD and limits.

Adverse Media

Negative media and adverse media screening: accounting for reputation and enforcement risks.

Fiat Transaction Checks (Strict!)

Important

All fiat operations undergo strict AML checks. We may request additional documents and delay crediting until verification is complete.

All fiat transactions are subject to strict AML checks:

Bank SWIFT/SEPA Payments

Name/IBAN/purpose matching, source of funds verification, counterparty/correspondent bank analysis.

Card Operations

3-D Secure, risk pattern monitoring, return-to-source processing.

Risk Triggers

Name mismatch
Unusual amounts/patterns
Suspicious purposes
Contradictory information

Fiat Transaction Flow

Client
Bank/Processor
AML Screening
Credit/Delay/Reject

AML for Cryptocurrencies: 100% On-Chain Screening

Important

Every crypto deposit undergoes on-chain screening. High-risk funds may be delayed, sent for EDD, or returned (if technically possible).

Every crypto deposit undergoes blockchain analysis:

Blockchain Analytics

Address and path risk scoring, identifying connections to mixers, darknet markets, hacks, sanctioned addresses and high-risk exposure.

Addresses and Assets

We only accept supported networks/tokens; unknown/suspicious networks/bridges are blocked.

Risk Thresholds

When risk threshold is exceeded — delay/EDD/return (where possible).

Travel Rule & VASP

Information exchange between VASPs for transactions above regulatory thresholds (where applicable).

Crypto Deposit Flow

Client Address
On-Chain Screening
Risk Analysis
Credit/EDD/Return

Monitoring, EDD, Freezing & Reporting

Continuous Monitoring

Ongoing transaction and behavior monitoring with automated risk detection systems.

Enhanced Due Diligence (EDD)

Additional documents/information: source of funds/capital, tax returns, contracts, statements.

Freezing/Blocking

Temporary blocking for legal reasons, sanctions matches, or suspicions until verification completion.

STR/SAR Reporting

Suspicious activity reports to competent authorities as required by law.

What We'll Need from You

Possible document/information requests:

Identity & Address Verification

Passport/ID, utility bills, bank statements for address confirmation.

Source of Funds/Capital

Employment contract, income certificate, tax declaration, period statements, asset sale documents, etc.

For Crypto

On-chain asset origin explanation (transaction history/screenshots), sender addresses (if via VASP — provider data).

Format & Quality

Color scans/photos of good quality, PDF/JPG/PNG; translation to Russian/English (notarized if required).

Timelines, Statuses, Delays & Rejections

Processing Statuses

Received
Under Review
Approved
Documents Required
Rejected

Typical Timeframes

Basic screening:Same day
EDD:1-3 business days
Complex cases:May take longer

Common Delay Causes

Data inconsistencies
Complex on-chain paths
Sanctions/PEP matches
Bank holidays/weekends

Communication

We notify via Personal Account/email; for complex cases we recommend contacting compliance.

Privacy and Data Storage

Legal Basis

Fulfillment of AML/CFT legal obligations and legitimate interests (where applicable).

Retention Periods

KYC/AML documents and transaction records — for periods prescribed by law (usually 5-10 years after relationship termination).

Security

Encryption, access control on "minimum necessary" principle, audit trails.

Cross-border Transfer

When necessary — with legal safeguards (e.g., SCC/IDTA).

Country Restrictions and Sanctions

Important

We comply with sanctions regimes. Operations from/to prohibited jurisdictions and addresses are blocked.

Prohibited Jurisdictions

We do not serve residents/operations from countries/territories under full sanctions and from high-risk list (specified by company policy).

Contact compliance for current list

Sanctions Compliance

OFAC/EU/UK and local lists compliance: operations with matches are blocked or investigated.

Frequently Asked Questions

Compliance Contacts & Support

Complaints Procedure

File Complaint

Legal Disclaimers

This document is for informational purposes and does not constitute legal advice. Processes may change in accordance with legal and regulatory requirements. Service availability depends on jurisdiction and client status.

We reserve the right to request additional documents and information.

Version: v1.0 | Last updated: 10/20/2025Document ID: AML-CFT-001
Open Demo