Policy Version: 3.2.1 | Effective: April 15, 2023
At Earn Crypto Market, we maintain the highest standards of Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance. This policy outlines our commitment to preventing illicit financial activities on our platform.
Our AML program is designed to comply with international regulations including the Financial Action Task Force (FATF) recommendations, the Bank Secrecy Act (BSA), EU AML Directives, and other global compliance frameworks.
We maintain a zero-tolerance approach toward money laundering, terrorism financing, and other financial crimes. Any suspicious activity will be promptly investigated and reported to relevant authorities.
Government-issued photo ID verification with liveness detection and facial recognition technology.
Proof of residence documents or digital utility bills dated within the last 3 months for address confirmation.
Minimum age requirement of 18 years with additional verification for high-risk jurisdictions.
Manual review by compliance officers for high-risk customers and complex ownership structures.
Politically Exposed Persons (PEPs), high-net-worth individuals, and customers from high-risk jurisdictions undergo additional verification steps including source of wealth/funds documentation.
All customers are assigned risk scores based on nationality, transaction patterns, business type, and PEP status. Risk levels determine monitoring intensity.
Real-time analysis of transaction patterns using AI/ML algorithms to detect unusual behavior, structuring, or rapid movement of funds.
Automated alerts for suspicious patterns: rapid account funding/withdrawal, transactions with high-risk jurisdictions, or inconsistent customer behavior.
High-risk customers undergo additional verification, ongoing monitoring, and regular review of transaction patterns and source of funds.
Monitoring for transactions inconsistent with customer profiles, unusual patterns, or links to sanctioned addresses.
Threshold-based monitoring for transactions exceeding regulatory reporting limits or unusual for customer history.
Detection of transactions involving privacy coins, mixing services, or tumblers that obscure transaction origins.
Our transaction monitoring system utilizes artificial intelligence and machine learning to analyze patterns across multiple dimensions:
When our monitoring systems detect suspicious activity, we are legally obligated to file a Suspicious Activity Report (SAR) with the appropriate financial intelligence unit within mandated timeframes.
SARs are filed confidentially, and we are prohibited from disclosing their existence or contents to the subjects of the reports ("tipping off").
SARs are typically filed within 30 days of detecting suspicious activity, with expedited reporting for urgent cases.
Any attempt to use our platform for fraudulent activities, identity theft, or other financial crimes is strictly prohibited and will result in immediate account suspension and law enforcement reporting.
We maintain zero tolerance for any activities that directly or indirectly support terrorist organizations or individuals on sanctions lists. All transactions are screened against global watchlists.
Transactions related to illegal goods or services including drugs, weapons, human trafficking, or other prohibited commodities are strictly forbidden.
Funds originating from or destined for darknet markets, illegal gambling operations, or other illicit online marketplaces are prohibited and actively monitored.
Violation of these prohibitions will result in immediate account termination, freezing of funds, and mandatory reporting to relevant law enforcement and regulatory authorities.
All compliance staff hold industry certifications (CAMS, ICA) and undergo annual training on emerging AML threats and regulatory changes.
Regular training for all employees on recognizing red flags, reporting procedures, and maintaining customer confidentiality.
Our AML program undergoes annual independent audits by certified third-party firms to ensure effectiveness and regulatory compliance.
By using our platform, you agree to:
Failure to comply with AML requirements may result in account restrictions, suspension, or termination.
For AML-related questions, compliance inquiries, or to report suspicious activity.
Sarah Chen
earncryptomarket@gmail.com
+000000000
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earncryptomarket@gmail.com
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Compliance inquiries receive priority response within 24 business hours.