KYC & AML Policy

In practice, KYC at Ivory Kapitmoor means we collect and confirm a small set of basic facts about you: your full legal name, your date of birth, your country of residence, your contact details and the payment method you intend to use. We compare the details you typed into the sign-up form with the details shown on the documents you upload.

What we do not do

We will not request your internet banking credentials, your complete card PIN code, or physical access to your computer or phone. Our staff will never ask for any of these. If you receive such a request, it did not originate from us and should be flagged via the complaint system.

Review times depend on volume, on the quality of the uploads and on whether any additional screening is triggered. The processing window that applies to your account, together with the current status of each document, is shown in your account area - that published figure is the one to rely on, not any figure quoted elsewhere.

• Clear, complete, unedited uploads are reviewed fastest.
• Requests submitted outside business hours are queued for the next working day.
• Enhanced review, where required, adds time and is communicated to you.

1. 01

   Register

   Create the account with your real legal name, date of birth, country of residence, email and phone number. Details that do not match your documents are the most common cause of delay.

2. 02

   Confirm contact details

   Confirm your email address and, where requested, your phone number. This proves the contact channels belong to you.

3. 03

   Upload your identity document

   Upload the pages that carry your photograph and personal data. Some checks include a short liveness or selfie step to confirm the document belongs to the person holding it.

4. 04

   Upload proof of address

   Submit a qualifying recent document registered in your name at your registered address.

5. 05

   Confirm the payment method

   Supply documentation of the payment method you intend to use for account funding and receiving withdrawal transfers.

6. 06

   Screening and review

   The compliance department examines your documentation, executes mandatory sanctions and risk evaluations, and either grants account approval or requests amendments.

7. 07

   Confirmation

   You receive a notification once the account status changes. The current status is always visible in the verification area of your account.

1. 01

   Legal obligation

   Organizations that manage or move client assets must ordinarily verify the identity of their clients before commencing operations. This requirement is mandatory and extends to all accounts without deviation.

2. 02

   Protecting your money

   Account verification establishes a single, identifiable person as the account holder. This significantly reduces the risk of account compromise and guarantees that funds returned to you upon withdrawal are transferred exclusively to payment methods confirmed as yours.

3. 03

   Keeping the platform clean

   Screening procedures exclude restricted entities and opaque corporate structures from the network, thereby protecting the interests of all participants.

4. 04

   Faster payouts later

   An account verified up front does not have to stop for checks at withdrawal time, which is when delays are least welcome.

• Give accurate, current and complete information, and keep it up to date.
• Deposit only capital and payment methods belonging solely to you - external or borrowed funds are not permitted.
• Maintain a sole account per person, and safeguard your login details.
• Respond to document requests within the timeframe stated in the request.
• Tell us promptly if you change country of residence, legal name or payment method.
• Notify us promptly of any questionable or unapproved account access.

Providing counterfeit or modified documentation constitutes a violation. This offense results in immediate account termination and, as mandated by applicable regulations, notification to the relevant regulatory entity.

AML controls are broader than a one-off identity check. They cover risk classification of new accounts, sanctions and politically-exposed-person screening, limits on unusual funding patterns, record keeping, internal escalation of suspicious activity and, where the applicable law requires it, reporting to the competent authority.

Should AML requirements and a client directive come into conflict, the AML requirements supersede the instruction. This may result in transaction delays, requests for supplementary documentation, or account limitations until the issue is addressed.

What is monitored

Funding and withdrawal patterns, changes of payment instrument, changes of country or contact details, activity that does not match the profile you gave at sign-up, and any activity flagged by our screening tools.

What can happen as a result

• A demand for updated documentation or clarification regarding the source of the money.
• A temporary hold on a specific transaction while it is reviewed.
• Adjustment of the limits published in your account.
• Account suspension or cancellation if mandated by statutory requirements.

Records

Verification credentials and transaction history are preserved according to the periods mandated by governing regulations following the termination of the relationship, and are handled per our Privacy Policy. In certain circumstances the law prevents us from telling a client that a report has been made.

Should our decision lack clarity, reach out to customer service to request clarification. We will elaborate where regulations permit.

1. Identity document

A government-issued document that shows your photograph, full name, date of birth, document number and expiry date. Commonly accepted types are a passport, a national identity card, or a driving licence where it is issued as a photographic identity document. The document must be valid and not expired.

2. Proof of address

A current document, ordinarily published in recent months, bearing your full name and your current residential address as registered on your account. Common options include a utilities bill, financial institution statement, property tax document, municipal correspondence, or an official communication from a governmental body. Mailbox addresses and residences registered to another individual are not permitted.

3. Proof of payment method

Evidence that the funding instrument belongs to you. For a card, that is normally an image of the card showing your name, the first six and last four digits and the expiry date, with the remaining digits and the security code covered. For a transfer from a bank account, that is a statement or confirmation in your name showing the account identifier. For an electronic wallet, a screenshot of the account profile showing your name and the account identifier.

Formats and file size

File upload specifications, permissible document formats and any supplementary document requirements are accessible in your account's verification section. Documents prepared in a language differing from your account's principal language may necessitate a certified translation; the compliance department will communicate this requirement to you if applicable.

Licenses & regulatory information