AML Regulations

The exchange service enter-change.com performs mandatory AML screening of all incoming transactions using the professional blockchain analytics provider BitOK and an internal Risk-Score assessment model.

Each transaction is automatically analyzed by BitOK, after which an individual Risk-Score is generated.

The Risk-Score is calculated based on:

source of funds

transaction history

risk categories

Transactions exceeding internal risk thresholds or containing prohibited categories are temporarily suspended for AML review and KYC/SoF procedures.

Child Exploitation 0%

Darknet Marketplace 0%

Darknet Service 0%

Enforcement Action 0%

Fraudulent Exchange 0%

Illegal Service 0%

Mixing Service 0%

Ransom 0%

Sanctions 0%

Scam 0%

Stolen Coins 0%

Terrorism Financing 0%

Gambling up to 50%

ATM up to 50%

Exchange Unlicensed up to 50% (excluding extremely high-risk entities)

P2P Exchange Unlicensed up to 50%

Liquidity Pools up to 100%

Exchange Licensed up to 100%

Miner up to 100%

Online Marketplace up to 100%

Online Wallet up to 100%

Other up to 100%

P2P Exchange Licensed up to 100%

Payment Processor up to 100%

Seized Assets up to 100%

Entities classified as extremely high risk are not accepted for service even if they formally fall within the allowed percentage.

Identity verification and Source of Funds checks are conducted through the automated KYC system Sumsub.

4.1 Identity Document (one of the following):

Passport

ID card

Driver’s license

(Photo or scan of both sides / main spread must be uploaded.)

Selfie / Liveness Check

Real-time photo or video of the user’s face (according to Sumsub instructions).

4.2 Proof of Address

One document not older than 3 months:

Utility bill

Internet or phone bill

Bank statement

Official government letter

The document must:

contain the client’s full name

include the full residential address

match the identity document data

4.3 Source of Funds (SoF) — if required

Depending on the Risk-Score, the following may be requested:

screenshots of exchange or wallet accounts

transaction history

income confirmation (salary, dividends, freelance, etc.)

asset purchase agreements

other documents confirming legal origin of funds

Manual AML/KYC/SoF review — up to 24 hours after receiving the complete document package.

Final decision (exchange or refund) — within 24 hours after completion of verification.

Total estimated processing time: up to 48 hours.

6.1 Good-Faith Clients

If, after KYC/SoF, the funds are not confirmed as related to money laundering or criminal activity:

exchange or refund is processed

only the blockchain network fee is deducted

no additional service fees are charged

6.2 If Source of Funds Cannot Be Confirmed

A refund is issued with a fee of:

up to 5% of the amount,

but no more than $100 (or equivalent).

6.3 Refusal to Complete KYC/SoF

If the client formally refuses verification:

refund is processed with a fee of up to 5% (maximum $100).

6.4 Funds Blocked by External Counterparties

If assets are temporarily frozen by partners or regulators, refunds are possible only after full unblocking. The same fee rules apply: up to 5%, maximum $100.

After a decision is made, refunds are completed within 12–24 hours.

If the client fails to provide required information or does not respond within 90 calendar days, the funds may be held until an official request is received.