AML / KYC Compliance Policy

Anti-Money Laundering & Counter-Terrorist Financing · Version 2.1

Compliance Commitment: DeltaChanger is committed to the highest standards of Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and Know Your Customer (KYC) compliance. We actively maintain measures to prevent our platform from being used for illicit financial schemes.

1. Policy Purpose & International Standards

The objective of this Policy is to prevent, detect, and mitigate the risk of money laundering, terrorist financing, fraud, and other illegal financial activities through our exchange infrastructure. Our operational principles align with the recommendations of the Financial Action Task Force (FATF), local regulatory directives, and international best practices for Virtual Asset Service Providers (VASPs).

2. Risk-Based Customer Due Diligence (CDD)

DeltaChanger applies a proportional Risk-Based Approach (RBA) to evaluate all transactions. Depending on transaction volumes, risk indicators, and jurisdiction, customer verification tiers are implemented:

Tier 1 (Basic Exchanges): Email confirmation, telephone/telegram verification, and connection IP & country origin assessment.
Tier 2 (Elevated Volume): Government-issued photo identification (Passport, National ID card, or Driver's License) with facial biometric liveness verification.
Tier 3 (High Volume / Corporate): Enhanced Due Diligence (EDD), including certified Proof of Address (utility bill, bank statement within 90 days), and verifiable Source of Funds / Wealth documentation.

3. Blockchain Analytics & Transaction Monitoring

All digital asset transactions, incoming cryptocurrency transfers, and recipient wallet addresses are screened using automated and manual blockchain forensic tools.

High-Risk Asset Screening: Transactions interacting with mixers/tumblers (e.g. Tornado Cash), darknet platforms, sanctioned protocols, ransomware pools, or stolen funds databases are automatically flagged.
Risk Score Threshold: If incoming cryptocurrency carries an overall risk score exceeding acceptable thresholds (>50% risk or direct association with illegal clusters), the transaction is immediately suspended.
Suspended Transaction Protocol: In the event of a high-risk flag, the client must undergo full identity verification (KYC Tier 2/3) and submit proof of legitimate source of funds before any payout or refund can be reviewed.

4. Sanctions Screening & Prohibited Jurisdictions

DeltaChanger enforces continuous screening against international sanctions lists, including OFAC (U.S. Office of Foreign Assets Control), UN Sanctions Committees, EU Financial Sanctions, and UK HM Treasury lists.

Services are strictly restricted for residents, citizens, or entities originating from comprehensively sanctioned territories, including Iran, North Korea, Cuba, Syria, and other high-risk jurisdictions identified by the FATF.

5. Suspicious Activity Reporting (SAR)

Our compliance officers actively monitor for suspicious behavioral patterns, such as structured transactions, sudden inexplicable volume spikes, mismatching sender and recipient account names, or refusal to provide requested verification.

Where warranted, DeltaChanger reserves the right to report suspicious transactions to competent regulatory and law enforcement authorities without prior notice to the user (anti-tipping-off rules).

6. Contacting Compliance

If you have questions regarding our AML/KYC requirements or wish to submit corporate onboarding documentation, please contact our Compliance Department at compliance@deltachanger.test.