AML, KYC & KYT Policy

We take dirty money out of crypto. Here's exactly how, in plain language.

1. Know-Your-Customer (KYC)

First-time customers exchanging more than the equivalent of $1,000 USD in any rolling 30-day window must complete identity verification. We collect a government-issued ID and a live selfie. Verifications are reviewed within four business hours. KYC data is stored securely for five years following the last transaction and is never disclosed to third parties, except as required by law.

2. Transaction Screening (KYT)

Every incoming USDT transaction is screened in real time using Crystal Blockchain and Elliptic before payout is released. The sender wallet address, intermediate hops, and associated clusters are all assessed for risk score. Any wallet address with a risk score that does not meet our threshold triggers a manual compliance review and the order is placed on hold until the review is complete.

3. Unique & Verified Crypto Addresses

Each order is assigned a unique, one-time deposit wallet address. Addresses are never reused across orders. Addresses used to receive client funds are either generated directly by Dollarisho Exchange, verified as low-risk by blockchain analytics tools, or belong to addresses operated by licensed and regulated custodians. We do not accept funds from shared, pooled, or exchange-hot-wallet addresses that cannot be individually attributed to the sending client without prior arrangement.

4. Prohibited Fund Sources

The following categories of funds are strictly prohibited. Orders confirmed to involve these sources are frozen, and the case is referred to compliance:

• Proceeds from gambling platforms, online casinos, sports betting, or any unlicensed wagering service
• Funds from unlicensed cryptocurrency exchanges or unverified peer-to-peer (P2P) trading platforms
• Funds routed through mixers, tumblers, privacy coins with obfuscation layers, or chain-hopping services
• Proceeds from illegal exchanges, unlicensed brokers, or any entity operating without regulatory authorisation
• Ransomware payments, darknet market proceeds, fraud proceeds, stolen assets, or scam-related funds
• Any funds linked to child exploitation, terrorism financing, or sanctioned entities

5. P2P Platform & Contractor Verification

Where funds originate from a P2P exchange platform, the client must demonstrate that the platform operates with appropriate licensing or regulatory registration. Unverified P2P platforms are treated as high-risk sources. Dollarisho Exchange verifies contractor and partner services before directing client funds through them; third-party execution of any direction is disclosed to BestChange administration in accordance with monitoring requirements.

6. Sanctions Screening

All counterparties — sender wallet, PayPal recipient, and beneficial owner — are screened against OFAC, EU, UN, and UK consolidated sanctions lists at order creation and again at payout. A positive screening match permanently suspends the order and the associated account.

7. Source-of-Funds Documentation

Orders above $10,000 USD equivalent, or orders exhibiting risk indicators (mixer-tagged inputs, unusual frequency, layered structuring, rapid round-trip patterns), require source-of-funds documentation: payslips, contracts, prior exchange records, or signed statements from a regulated counterparty.

8. Geographic Restrictions

Dollarisho Exchange does not provide services to individuals or entities ordinarily resident in, incorporated in, or transacting from countries subject to comprehensive international sanctions, including (but not limited to): Afghanistan, Iran, Yemen, Libya, Somalia, DPRK, Syria, Russia, Belarus, Sudan, Venezuela, Cuba, and occupied territories of Ukraine.

9. Automatic Hold — Risk Categories

Orders are placed on immediate automated hold when screening detects: child exploitation · darknet market activity · mixing/tumbling · ransomware · sanctions hit · scam proceeds · stolen coins · terrorism financing. Funds subject to automatic hold are not released without a completed compliance review and, where required, regulatory approval.

10. AML-Flag Compensation Policy

If an order is delayed, frozen, or returned due to AML screening flags, risk-score hits on the sender's address, or other transaction characteristics outside the client's control, and the client has fully complied with our Terms of Service, Dollarisho Exchange will compensate documented direct losses (such as network fees on returned funds) up to the extent permitted by applicable law. Compensation does not cover: price changes during the hold period, decisions made by the client after receiving funds, or actions taken by the client after payout. Claims must be submitted in writing via our support channel with supporting documentation within 14 calendar days of the event.

11. Reporting & Record Retention

Suspicious activity reports are filed with the relevant Financial Intelligence Unit. Transaction records, identity documents, and screening outputs are retained for five years following the last order, in line with FATF Recommendation 11. All records are stored in encrypted form and access is restricted to authorised compliance personnel.

12. FATF & Regulatory Compliance

This policy is designed to comply with FATF recommendations applicable to virtual asset service providers, OFAC guidance, and the EU 5th and 6th Anti-Money Laundering Directives. We review and update this policy at least annually and immediately following material regulatory changes. Dollarisho Exchange cooperates with law enforcement requests within the limits of applicable law.