KYC & AML Policy

In practice, KYC at Sanvestium means we collect and confirm a small set of basic facts about you: your full legal name, your date of birth, your country of residence, your contact details and the payment method you intend to use. We compare the details you typed into the sign-up form with the details shown on the documents you upload.

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 controls are broader than a one-off identity check. They cover risk classification of new accounts, sanctions and politically-exposed-person screening, limits on unusual funding patterns, record keeping, internal escalation of suspicious activity and, where the applicable law requires it, reporting to the competent authority.

In instances where AML regulations conflict with client directives, AML regulations prevail. This may result in transaction postponement, a call for further documentation, or account limitations until resolution is achieved.

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

   Verification connects an account to a single identifiable proprietor. This substantially reduces the risk of unauthorised account access and ensures that any withdrawal funds are transferred exclusively to a payment method verified as yours.

3. 03

   Keeping the platform clean

   Screening excludes sanctioned entities and undisclosed shell structures from our platform, thereby safeguarding all other platform users.

4. 04

   Faster payouts later

   An account that completes verification initially avoids additional checks during withdrawal processing, eliminating delays when you need them least.

1. Identity document

A government-issued document that shows your photograph, full name, date of birth, document number and expiry date. Commonly accepted types are a passport, a national identity card, or a driving licence where it is issued as a photographic identity document. The document must be valid and not 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 demonstrating that your chosen payment method belongs to you. For a payment card, this typically consists of a photograph showing your name, the initial six digits and final four digits plus expiration date, with the middle digits and CVV obscured.

For a bank transfer, this requires a statement or written confirmation bearing your name and displaying the account number. For a digital wallet, this means a screenshot of your account details displaying your name and wallet identifier.

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

   Validate your email address and, if applicable, your mobile phone number. This confirms these contact methods are under your control.

3. 03

   Upload your identity document

   Submit the pages bearing your image and identifying information. Certain verifications may include a brief identity confirmation or facial verification to establish the document's rightful owner.

4. 04

   Upload proof of address

   Provide a current acceptable document showing your name and your current 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

   The compliance department reviews your documents, completes the required compliance screening and sanctions checks, and either approves your account or requests amendments.

7. 07

   Confirmation

   You receive a notification once the account status changes. The current status is always visible in the verification area of your account.

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.

• Submissions that are legible, thorough and unaltered receive the quickest processing.
• Submissions received outside normal business hours will be handled on the following business day.
• Enhanced review, where required, adds time and is communicated to you.

If a decision is unclear to you, contact support and ask for the reason. Where the law permits us to explain, we will.

What is monitored

Review of deposit and withdrawal activity, modifications to payment methods, updates to geographic location or contact methods, transactions inconsistent with your initial profile, and activities flagged by our compliance systems.

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.
• Modification of the account limits shown to you.
• Restriction or closure of the account where the law requires it.

Records

Personal identification information and account records are preserved for the duration specified by relevant legislation following termination of the relationship, and are managed in accordance with our Privacy Policy. In certain circumstances the law prevents us from telling a client that a report has been made.

• Give accurate, current and complete information, and keep it up to date.
• Utilise exclusively your own capital and your own payment methods - do not use another individual's funds or payment instruments.
• Maintain a single account only, and safeguard your login credentials confidentially.
• Respond to document requests within the timeframe stated in the request.
• Notify us without delay should you alter your country of residence, legal name, or payment method.
• Report any suspected unauthorised access to your account immediately.

Submitting falsified or altered documents is a serious matter. It leads to closure of the account and, where applicable law requires, notification of the competent authority.

Licenses & regulatory information