AML/KYC Policy of Bankir.io Service

Last updated: 14.05.2026
Update time: 14:30 (UTC+3)
 

1. Introduction

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

1.2 Bankir.io 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 the AML / KYC Policy

2.1 Main objectives of the AML / KYC Policy:
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 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 transactions
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 if suspicious activity is detected.
 

4. User Requirements

4.1 The sender and recipient of funds must be the same person.
4.2 Use of the service for transfers to third parties is prohibited.
4.3 The user must provide accurate and up-to-date information.
4.4 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 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 verification
5.3.3 blocked until completion of KYC or SoF procedures

5.4 Risk Score thresholds:

5.4.1 Low Risk: 0–39% — the transaction may be processed under standard procedures without additional verification.

5.4.2 Medium Risk: 40–69% — the transaction may be suspended for manual review, clarification of transaction details, request for additional information, KYC or SoF procedures.

5.4.3 High Risk: 70% and above — the transaction is suspended pending enhanced verification. The service may request KYC, SoF, additional documents, and may refuse to perform the exchange operation.

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

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

5.7 Regardless of the overall Risk Score, a transaction may be suspended if direct or indirect links to the following risk categories are detected:
Sanctions, Terrorism, Darknet, Ransomware/Malware, Mixing, Stolen Funds, Scam/Fraud, Child Abuse, and other high-risk sources.
 

6. AML Transaction Analysis

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

6.2 Transaction analysis allows identifying links between funds and 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 document
7.2.4 proof of residential address

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 AML and KYC verification usually takes from 1 to 10 business days.

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

8.3 Reasons for extension may include:
8.3.1 complexity of the investigation
8.3.2 necessity 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 address specified in the application.

8.5 Restrictions by countries and territories:
8.5.1 Bankir.io does not provide services to citizens and residents of certain countries (full list is contained in an internal document).
8.5.2 In case of violation of this clause, the service reserves the right to suspend transactions and block funds until clarification of circumstances.
 

9. Preliminary AML Verification

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

9.2 Preliminary verification allows assessment of the risk level of funds before carrying out an exchange transaction.

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


10. AML Verification of Cryptocurrency Address

10.1 The user may verify a cryptocurrency address or wallet.

10.2 During verification, possible links of funds to the following risk sources are analyzed:
10.2.1 fraudulent transactions
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 conduct AML verification through third-party analytical services.

11.2 In particular, the user may use the cryptocurrency address verification tool available on the BestChange website.

11.3 Bankir.io accepts AML verification results obtained through the following analytical services:

11.3.1 BestChange AML Checker
11.3.2 AMLBot
11.3.3 Crystal
11.3.4 BitOK
11.3.5 Scorechain

11.4 Only valid and up-to-date AML reports obtained at the time of application creation or shortly before it are considered acceptable.

11.5 In case of discrepancies between different AML analyzers, Bankir.io reserves the right to use its internal risk model and connected analytical services to make the final decision.
 

12. Submission of Verification Results

12.1 After completing AML verification, the user may provide the verification results to the service operator.

12.2 Providing verification results may speed up application processing.

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

12.4 The user may provide the operator with a link to the AML report, a screenshot of the report, or another supporting document containing the wallet address, network, verification date, and Risk Score.

12.5 Providing an AML report does not guarantee automatic approval of the application, but it is taken into account by the service when assessing transaction risks.
 

13. Refusal of Preliminary Verification

13.1 The user may refuse to conduct preliminary AML verification.

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 processing

13.4 Refusal to undergo preliminary AML verification is not grounds for automatic rejection of the exchange, however the user acknowledges the possibility of transaction suspension if elevated AML risk is detected.
 

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 screening
14.2.3 suspicious activity analysis
14.2.4 monitoring of unusual transactions
 

15. Transaction Blocking

15.1 If suspicious activity is detected, the service reserves the right to:
15.1.1 suspend transaction execution
15.1.2 request identification documents from the user
15.1.3 conduct additional AML verification

15.2 The user receives notification describing further actions required to complete verification.
 

16. Refund Policy

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

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

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


17. Fees During AML Verification

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

17.2 The fee covers expenses related to:
17.2.1 AML analysis
17.2.2 verification procedures
17.2.3 manual transaction review

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 only to network fees.

17.4 For bona fide users who successfully pass KYC/SoF procedures and have no confirmed connection to illegal activities, no additional AML/KYC verification fees are applied. In such cases, only actual network fees and documented expenses may be deducted from the refund amount.
 

18. Appeals

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

18.2 Appeals may be submitted to customer support.

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

19. Processing and Protection of Personal Data

19.1 Users’ personal data is processed in accordance with the service’s Privacy Policy.

19.2 Data is used exclusively for AML and KYC procedures.

19.3 Only authorized employees have access to personal 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 updated monitoring requirements
20.2.3 changes to internal procedures
 

21. KYC/AML Procedures and Risk Score

21.1 As part of its AML policy, Bankir.io conducts enhanced due diligence (UDD), including KYC, user identification, and Source of Funds (SoF) verification.

21.2 Verification stages and service actions:

Low Risk — 0–39%:

the transaction may be approved automatically and processed under standard procedures.

Medium Risk — 40–69%:

manual review of the application is conducted. The service may request additional information, KYC documents, Source of Funds confirmation, or clarification regarding the transaction.

High Risk — 70% and above:

funds may be temporarily blocked on a proxy wallet until enhanced verification is completed. The service may request KYC/SoF documents, additional supporting documents, and may refuse the exchange or refund funds in accordance with the AML Policy.

Decision on the application:

after verification is completed, the service may approve the exchange, refund funds with deduction of actual network fees, or refuse the transaction in cases provided for by the AML/KYC Policy and security requirements.

21.3 Requested documents and information:

Individuals:
passport / ID
selfie
proof of address
Source of Funds

Legal entities:
registration documents
list of beneficiaries
authority documents of representatives
Source of Wealth / Funds

Additional:
transaction history
explanation of transactions
counterparty contacts

21.4 Used services and analytics:

Bankir.io uses and/or accepts AML analysis results from the following services:

21.4.1 BestChange AML Checker
21.4.2 AMLBot
21.4.3 BitOK
21.4.4 Coinscan
21.4.5 Crystal
21.4.6 Scorechain

The final decision regarding an application is made based on combined assessment of Risk Score, risk category, user data, transaction history, and results of internal verification.

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 and in accordance with the Bankir.io Privacy Policy.

22.2 Data is used exclusively for AML and KYC procedures and is not transferred to third parties without user consent, except where required by law.

22.3 Only authorized service employees have access to the data.

22.4 The user confirms consent to data processing by submitting information via the website chat or official email: [email protected].

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

23. Platforms and Risk Categories

23.1 Platforms subject to AML verification:

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 all questions related to AML/KYC verification, users may contact customer support.

24.2 Official email address: [email protected]

24.3 Requests are processed within reasonable timeframes depending on the complexity of the request.