AML/KYC Policy of Bankir.io Service

Last updated: 02.04.2026
Update time: 14:30 (UTC+3)

1. Introduction

1.1 The Anti-Money Laundering (AML) Policy and Know Your Customer (KYC) procedures are aimed at preventing the use of the Bankir.io service for illegal activities.

1.2 The Bankir.io service complies with international standards for combating:
1.2.1 money laundering
1.2.2 terrorist financing

1.3 The service applies a risk-based approach when analyzing user transactions.

2. Purpose of AML / KYC Policy

2.1 The main objectives of the AML / KYC policy are:
2.1.1 prevention of illegal use of the service
2.1.2 detection of suspicious transactions
2.1.3 reduction of financial and reputational risks
2.1.4 compliance with international AML standards

3. Prohibited Use of the Service

3.1 The use of the service is prohibited for the following purposes:
3.1.1 laundering of illegally obtained funds
3.1.2 terrorist financing
3.1.3 fraudulent activities
3.1.4 purchase or sale of prohibited goods and services
3.1.5 circumvention of sanctions restrictions

3.2 The service administration reserves the right to refuse service to a user in case of suspicious activity.

4. User Requirements

4.1 The sender and recipient of funds must be the same person.
4.2 The use of the service for transfers to third parties is prohibited.
4.3 The user is obliged to provide accurate and up-to-date information.
4.4 The use of anonymous connections is prohibited.
4.5 Anonymous connections include:
4.5.1 VPN
4.5.2 TOR
4.5.3 Proxy

5. Risk Assessment Model (Risk Score)

5.1 The service uses a Risk Score model to analyze cryptocurrency transactions.

5.2 The Risk Score is formed based on the following factors:
5.2.1 cryptocurrency address history
5.2.2 connection with high-risk services
5.2.3 geographical factors
5.2.4 transaction activity analysis
5.2.5 user behavioral analysis

5.3 If the Risk Score exceeds acceptable values, the transaction may be:
5.3.1 temporarily suspended
5.3.2 sent for additional review
5.3.3 blocked until KYC or SoF is completed

5.4 Threshold values of the Risk Score are determined by the internal risk assessment system of the service.

5.5 If the acceptable risk level is exceeded, the transaction may be temporarily suspended until additional verification is completed.

5.6 The decision to conduct additional verification is made based on the internal AML policy and transaction analysis.

6. AML Transaction Analysis

6.1 The service uses specialized blockchain analytics tools to analyze transactions.

6.2 Transaction analysis allows identifying connections of funds with the following risk sources:
6.2.1 darknet services
6.2.2 fraudulent platforms
6.2.3 sanctioned addresses
6.2.4 stolen funds
6.2.5 high-risk cryptocurrency sources

7. KYC and SoF Procedures

7.1 As part of AML verification, the service may request user documents.

7.2 As part of the KYC procedure, the following may be requested:
7.2.1 passport
7.2.2 ID card
7.2.3 selfie with a document
7.2.4 proof of residence

7.3 As part of the SoF procedure, the following may be requested:
7.3.1 cryptocurrency wallet screenshots
7.3.2 transaction history
7.3.3 proof of cryptocurrency purchase
7.3.4 bank statements
7.3.5 other documents confirming the source of funds

8. AML Verification Timeframes

8.1 The duration of AML and KYC verification usually ranges from 1 to 10 business days.

8.2 In some cases, the verification period may be extended.

8.3 Reasons for extension may include:
8.3.1 complexity of the investigation
8.3.2 need for additional verification
8.3.3 time required for the user to provide documents

8.4 The user is notified of the verification results via the email specified in the application.

8.5 Country and territory restrictions:
8.5.1 The Bankir.io service does not provide services to citizens and residents of certain countries (full list in internal document).
8.5.2 In case of violation, the service reserves the right to suspend operations and block funds until circumstances are clarified.

9. Preliminary AML Check

9.1 Before creating an application, the user may conduct a preliminary AML check of their cryptocurrency funds.

9.2 The preliminary check allows assessing the risk level of funds before performing an exchange transaction.

9.3 The user may use third-party analytical services for such checks.

10. AML Check of Cryptocurrency Address

10.1 The user may check a cryptocurrency address or wallet.

10.2 During the check, possible links of funds to the following risk sources are analyzed:
10.2.1 fraudulent activities
10.2.2 darknet services
10.2.3 sanctioned addresses
10.2.4 cryptocurrency mixers
10.2.5 stolen funds
10.2.6 other high-risk sources

11. Use of External AML Services

11.1 The user may perform AML checks using third-party analytical services.

11.2 In particular, the user may use the cryptocurrency address check tool on the BestChange website:
11.2.1 https://www.bestchange.ru/report/

12. Submission of Verification Results

12.1 After conducting an AML check, the user may submit the results to the service operator.

12.2 Submitting verification results may speed up the processing of the application.

12.3 The service operator may use the results to assess transaction risks.

13. Refusal of Preliminary Check

13.1 The user may refuse to conduct a preliminary AML check.

13.2 In case of refusal, the user confirms awareness of possible risks.

13.3 In such cases, the service reserves the right to:
13.3.1 conduct additional checks
13.3.2 request KYC or SoF documents
13.3.3 temporarily suspend transaction execution

14. Transaction Monitoring

14.1 The service performs continuous transaction monitoring.

14.2 Monitoring may include:
14.2.1 blockchain analysis
14.2.2 sanctions list checks
14.2.3 suspicious activity analysis
14.2.4 monitoring of unusual transactions

15. Transaction Blocking

15.1 In case of suspicious activity, the service has the right to:
15.1.1 suspend transaction execution
15.1.2 request user identification documents
15.1.3 conduct additional AML verification

15.2 The user receives a notification with further instructions to complete the verification.

16. Refund Policy

16.1 Refunds are only possible after completion of AML or KYC verification.

16.2 A refund request must be sent from the email used when creating the application.

16.3 The request must include the application number and the refund address.

17. Fees During AML Verification

17.1 In case of transaction blocking, the AML case processing fee does not exceed 5% of the blocked amount and no more than 100 USD equivalent.

17.2 The fee covers costs for:
17.2.1 AML analysis
17.2.2 verification procedures
17.2.3 manual transaction moderation

17.3 If the user successfully passes KYC and SoF procedures and there is no evidence of illegal origin of funds, the refund fee is limited to network fees only.

18. Appeals

18.1 The user has the right to submit an appeal against a blocking decision or service refusal.

18.2 Appeals may be sent to the support service.

18.3 The appeal must include:
18.3.1 application number
18.3.2 additional information
18.3.3 required documents

19. Processing and Protection of Personal Data

19.1 Personal data is processed in accordance with the service privacy policy.

19.2 Data is used exclusively for AML and KYC procedures.

19.3 Only authorized employees have access to the data.

20. Policy Updates

20.1 The AML and KYC policy may be updated.

20.2 Updates may occur in the following cases:
20.2.1 changes in legislation
20.2.2 updates of monitoring requirements
20.2.3 changes in internal service procedures

21. KYC/AML Procedures and Risk Score

21.1 As part of the AML policy, Bankir.io conducts Enhanced Due Diligence (UDD), KYC procedures, including user identification and Source of Funds (SoF) verification.

21.2 Verification stages and service actions:

Low Risk — transaction is approved automatically
Medium Risk — manual KYC/SoF verification by operator
High Risk — funds are frozen in a proxy wallet, evidence is collected, possible transfer to law enforcement or partner organizations

Decision — refund (if applicable), refusal of refund, or unblocking after successful verification.

21.3 Documents and data requested:

Individuals: passport/ID, selfie, proof of address, Source of Funds
Legal entities: registration documents, list of beneficiaries, authority of representatives, Source of Wealth/Funds
Additional: transaction history, explanation of operations, counterparty contacts

21.4 Tools and analytics used:
AMLBot, Bitok, Coinscan, Crystal, Scorechain

21.5 Risk Score levels: Low, Medium, High

21.6 Each application is processed through an individually generated proxy wallet to ensure confidentiality and transaction security.

22. Personal Data

22.1 Collection and processing of personal data is carried out confidentially in accordance with the Bankir.io Privacy Policy.

22.2 Data is used exclusively for AML and KYC procedures and is not shared with third parties without user consent, except as required by law.

22.3 Only authorized employees have access to the data.

22.4 Users confirm their consent to data processing by submitting it via website chat or official email ([email protected]).

22.5 Data is securely stored on internal servers and deleted after verification or upon expiration of retention periods.

23. Platforms and Risk Categories

23.1 Platforms subject to AML checks:

grinex
bitpapa
capitalist
nobitex
rapira
meer
1xbet
Aifory
terminal
SkyCrypto
FlashObmen
60cek
hd-change
CoinBlinker
Metka
AlfaBit
Heleket
Garantex
Hydra
Blender
Lazarus Group
Genesis Market
ChipMixer
Shinbad
Bitzlato
netex24
BTC-e / FinCEN

23.2 Risk categories:

Sanctions
Terrorism
Darknet
Ransomware/Malware
Mixing
Child Abuse
Stolen Funds
Scam/Fraud
Protocol Privacy
Bridge
Decentralized Exchange
Gambling
Payeer

24. Contact Information

24.1 For any questions related to AML/KYC verification, users may contact the support team.

24.2 Official email address: [email protected]

24.3 Requests are processed within a reasonable timeframe depending on their complexity.