AML and KYC policy

Our commitment

Zarkoin does not tolerate money laundering, terrorist financing, fraud or sanctions evasion. This policy describes the controls we apply. [Adapt to the applicable regulator’s requirements.]

Customer due diligence

• Level 0: email or phone verification. Limited withdrawals.
• Level 1: government-issued photo ID and a selfie, reviewed manually by our compliance team.
• Level 2: proof of address (utility bill or bank statement under 3 months old).

We may request additional information, including source of funds, at any time.

Sanctions screening

Customers are screened against applicable sanctions lists at onboarding and on an ongoing basis. Accounts linked to sanctioned persons or jurisdictions are blocked.

Transaction monitoring

We monitor deposits, withdrawals, trades and P2P activity for unusual patterns, such as rapid movement of funds with no trading purpose, structuring below limits, or use of third-party payment accounts in P2P. Large or unusual withdrawals are reviewed by staff before processing.

Blockchain analytics

[Optional: describe on-chain screening of deposit sources and withdrawal destinations.]

Reporting

Where required, we report suspicious activity to the relevant financial intelligence unit and may be prohibited from telling the customer.

Record keeping

Identity documents and transaction records are retained for at least [5] years after the end of the business relationship.

Training and governance

Staff with customer or compliance responsibilities receive regular training. A designated compliance officer oversees this policy. [Insert name or title.]