KYC: основные этапы верификации

KYC (Know Your Customer) — обязательный процесс идентификации клиентов для лицензированных operators.

CDD (Customer Due Diligence)

Identity verification: имя, DOB, address, документ. Ongoing monitoring: pattern changes. Standard для большинства клиентов. Documented policies. Risk-based approach: level scrutiny matches risk. Тrigger events для re-verification.

EDD (Enhanced Due Diligence)

PEPs, high-risk countries, unusual patterns. Source of funds verification. Enhanced ongoing monitoring. Senior management approval. Additional documentation. More frequent review. Documented rationale обязательна.

SDD (Simplified Due Diligence)

Low-risk situations: small transactions, established relationship. Reduced verification (не отсутствие). Documented exemptions. Applies к specific circumstances only. Not blanket policy. Регулятор audits применение SDD.

Timing

Before withdrawal: обязательный минимум. Some regulations require pre-transaction. Threshold-triggered: cumulative deposits over $2000 typical. Immediate для high-risk indicators. Balance UX vs compliance. Documented decision criteria.