AML/KYC Policy

Last Updated: June 08, 2026

1. General Provisions and Risk-Based Approach

1.1. The Tarifex.io Service implements Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures in accordance with the international FATF standards and the laws of the Kingdom of Thailand (Anti-Money Laundering Act).

1.2. Our main goal is to protect the Platform and legitimate users from the risks associated with the circulation of illegal digital assets.

1.3. We respect our clients' right to privacy and do not apply mandatory KYC "by default". Identity verification is requested exclusively when risk filters are triggered or when conducting operations with bank cards.

2. Terms of Service Use

2.1. The Platform adheres to a "zero tolerance" policy towards any forms of financial fraud, terrorism financing, shadow market trading, and sanctions evasion.

2.2. By initiating an exchange, the User confirms the legal origin of their funds and consents to the automated AML monitoring of the transaction.

3. Transaction Analytics and Risk Score

3.1. For comprehensive asset screening, the Service is integrated with advanced analytical systems: GetBlock, Crystal, Chainalysis, Elliptic.

3.2. Based on data from these providers, each transaction is assigned a Risk Score. This algorithmic indicator is objective and serves as the sole basis for automatically completing the exchange, processing a refund, or suspending funds for verification.

4. Classification of AML Risks and Explanations

Important: Risks across different categories are not cumulative. The decision is made based on exceeding the threshold in any single category.

4.1. VERY HIGH RISK (Critical risk > 0%)

The transaction is suspended if there is any share (over 0%) in the following categories:

  • Sanctions: Wallets of individuals or legal entities included in international sanctions lists (OFAC, etc.).

  • Enforcement Action: Wallets officially linked to criminal cases, arrests, or under the supervision of law enforcement agencies.

  • Fraudulent Exchange: Platforms known for actively assisting scammers or lacking KYC procedures.

  • Terrorist financing: Addresses implicated in supporting extremist organizations.

  • Child abuse / Human trafficking: Assets related to the exploitation of minors or human trafficking.

4.2. HIGH RISK (High risk > 1%)

The transaction is deemed high-risk if the share exceeds 1% in any of the following categories:

  • Darknet Market: Funds from marketplaces selling illicit goods and data.

  • Illegal / Crime-related activities: Assets directly linked to criminal activity.

  • Scam / Fraud / Ponzi: Funds from financial pyramids or fraudulent projects.

  • Mixer / Tumbler / Privacy tool: Use of anonymization services to hide the source of funds.

  • Malware / Ransom: Payments to hackers for data decryption or from ransomware operations.

  • Stolen funds / Hack / Exploit: Assets obtained from exchange or wallet hacks.

  • Drainer wallets / Blackmail: Addresses of scammers and blackmailers.

4.3. MEDIUM RISK (Medium risk)

  • Gambling (over 25%): Assets originating from online casinos, betting shops, or other gambling platforms.

  • Adult services (over 40%): Payments related to "18+" services and adult entertainment content.

  • OTC Brokers / High risk exchange (over 20%): Funds from over-the-counter (OTC) platforms or exchange services with missing or simplified user identification levels (Low KYC).

5. Procedure for Processing, Holding, and Refunding Funds

5.1. Tarifex.io's practice is aimed at ensuring the security and maximum comfort of legitimate users, while all refund procedures are strictly regulated.

5.2. For Medium Risk transactions: The operation is canceled, and funds are returned only to the original sender's address (within 24 hours on business days). The Service fee is not charged; only the Network Fee is deducted.

5.3. For High and Very High Risk transactions:

  • Processing is suspended.

  • The User is granted up to 7 business days to confirm the origin of the funds.

  • Failure to provide information results in a lock for up to 30 business days for a compliance review.

  • Refunds are issued exclusively to the original address. The refund fee for high-risk assets is up to 5%, but does not exceed 100 USD.

  • In the event of documentary confirmation of the illegal origin of assets, or if the User ultimately refuses to undergo mandatory verification procedures, permanent blocking of funds is possible, followed by the transfer of data to law enforcement agencies for further investigation.

6. Verification Requirements (KYC)

6.1. Methods and providers: Tarifex.io conducts user verification both independently and with the involvement of licensed third-party providers (e.g., Sumsub and similar services).

6.2. Standard document package: To pass basic identification, the User must provide:

  • An original identity document (passport, ID card, or driver's license).

  • Photo verification (Selfie): A photograph of the User holding the document and a sheet of paper with the handwritten text: "Tarifex.io", the current date, and a personal signature.

6.3. Additional verification: The Service reserves the unconditional right to request from the User any additional documents, information, and video confirmations necessary to complete the review. This includes, but is not limited to:

  • Video verification (Liveness-check);

  • Proof of residence address (utility bills, bank statements);

  • Detailed proof of Source of Wealth/Source of Funds (SOW/SOF): tax returns, sale and purchase agreements, screenshots of personal accounts from third-party platforms.

Refusal to provide any requested documents constitutes direct grounds for permanently blocking the transaction.

6.4. Verification of fiat operations (Bank cards): Exchanging using bank cards without prior verification is not possible. To activate the exchange capability, the User must provide a photo of the physical card against the background of the monitor displaying the open order on the Service.

  • Photo requirements: The photograph must clearly show the first 6 and last 4 digits of the card number, as well as the cardholder's full name. The remaining digits of the card number and the secret code (CVV/CVC) must be physically covered.

6.5. Third-party cards and unauthorized accounts:

  • Transfers from cards belonging to third parties are strictly prohibited.

  • When making transactions with third-party cards, as well as from any unverified or corporate accounts, the User is obliged to undergo an additional in-depth KYC procedure to confirm the legal ownership of the funds.

6.6. Technical requirements and sanctions:

  • All images must be high resolution (JPEG/PNG), without glare, shadows, or cropped edges.

  • The use of graphic editors (Photoshop, etc.) is prohibited. The detection of traces of retouching, montage, or the provision of someone else's/fake documents will result in the immediate blocking of assets and the transfer of data to law enforcement agencies.

7. Legal Status and Acceptance of Terms

7.1. This Policy is an integral part of the User Agreement. Using the Service's functionality constitutes factual confirmation that the User acknowledges the established control procedures and undertakes to provide accurate data upon request.