KYC & AML Policy

At National Financial Inclusion Programme, the KYC procedure involves gathering and validating essential information about you: your complete legal name, birth date, country where you reside, communication information and the payment method you plan to utilize. We validate the information entered during registration against the documentation you submit.

What we do not do

We do not ask for your online banking password, your full card PIN, or remote access to your device. No member of our team will ever request those. Any message that does is not from us and should be reported through the abuse form.

AML procedures extend beyond a single identity verification. They encompass account risk assessment, sanctions screening and checks for politically-exposed persons, restrictions on atypical deposit activity, documentation requirements, internal notification of questionable transactions and, where applicable legislation mandates, submission to the relevant regulator.

Should AML requirements and your instructions diverge, AML requirements take precedence. This may result in transaction delays, requests for supplementary documentation, or account restrictions until resolution occurs.

1. 01

   Legal obligation

   Services that hold or transmit client funds are generally required to identify their clients before providing the service. This is not optional and applies to every account without exception.

2. 02

   Protecting your money

   Account verification establishes a single identifiable account holder. This significantly decreases the risk of unauthorized access, and ensures that funds can only be returned to payment methods verified as yours.

3. 03

   Keeping the platform clean

   Screening keeps sanctioned parties and anonymous shell activity off the platform, which protects every other client using it.

4. 04

   Faster payouts later

   An account that completes verification upfront avoids additional checks during withdrawal processing, eliminating delays when they are most inconvenient.

1. Identity document

An official document displaying your image, complete name, birth date, identification number and validity period. Typical examples include a passport, national identity card, or photographic driver's license. The document must remain valid and non-expired.

2. Proof of address

A recent document, usually issued within the last few months, showing your name and your residential address as it appears on your account. Typical examples are a utility statement, a bank or card statement, a local tax or municipal notice, or an official letter from a public authority. Post-office boxes and addresses belonging to someone else are not accepted.

3. Proof of payment method

Documentation confirming the payment method belongs to you. For credit or debit cards, this typically means a photograph showing your name, initial six digits and final four digits and expiration date, with other numbers and the CVV obscured.

For bank account transfers, you must provide a bank statement or official confirmation in your name containing the account number. For digital payment services, provide a profile screenshot displaying your name and account number.

Formats and file size

Upload limits, accepted file types and any additional document requests are shown in the verification area of your account. Documents in a language other than the account language may require a translation; the compliance team will tell you if that applies.

1. 01

   Register

   Create the account with your real legal name, date of birth, country of residence, email and phone number. Details that do not match your documents are the most common cause of delay.

2. 02

   Confirm contact details

   Confirm your email address and, where requested, your phone number. This proves the contact channels belong to you.

3. 03

   Upload your identity document

   Provide the pages containing your image and identifying information. Certain verifications may include a brief identity confirmation or facial recognition verification to validate document authenticity.

4. 04

   Upload proof of address

   Furnish a current acceptable document in your name corresponding to your registered address.

5. 05

   Confirm the payment method

   Provide proof of the instrument you will use to fund and to receive withdrawals.

6. 06

   Screening and review

   Your file is assessed by the compliance department, who conduct required regulatory screening and sanctions checks, then either authorize the account or request corrections.

7. 07

   Confirmation

   Notification is sent when your account status is updated. You can always review your current verification status within your account's verification section.

Review times depend on volume, on the quality of the uploads and on whether any additional screening is triggered. The processing window that applies to your account, together with the current status of each document, is shown in your account area - that published figure is the one to rely on, not any figure quoted elsewhere.

• Clear, complete, unedited uploads are reviewed fastest.
• Requests submitted outside business hours are queued for the next working day.
• Enhanced review, where required, adds time and is communicated to you.

If you do not understand the determination, reach out to our support team to request clarification. We will provide an explanation where permitted by law.

What is monitored

Account deposit and withdrawal behaviors, modifications to payment methods, modifications to residence or communication channels, conduct inconsistent with your initial profile, and activity identified by our automated screening mechanisms.

What can happen as a result

• A request for refreshed documents or an explanation of the source of funds.
• A temporary hold on a specific transaction while it is reviewed.
• Adjustment of the limits published in your account.
• Suspension or termination of the account where required by applicable legislation.

Records

Identification data and transaction records are retained for the period required by applicable law after the relationship ends, and are handled in line with our Privacy Policy. In some cases, legal restrictions prevent us from disclosing to a client that a regulatory submission has occurred.

• Supply truthful, current and thorough information, maintaining its accuracy and currency.
• Utilize exclusively your own capital and your own payment methods - do not use another individual's resources.
• Maintain a single account and protect your login information.
• Respond to document requests within the timeframe stated in the request.
• Tell us promptly if you change country of residence, legal name or payment method.
• Report any suspected unauthorised access to your account immediately.

Providing false or tampered documents constitutes a serious violation. This results in account termination and, where required by applicable law, notification to the competent authority.

Licenses & regulatory information