Anti-Money Laundering (AML) & KYC Policy

Last Updated: February 2026

1. Introduction & Overview

IZIPAY ("we", "our", "us") is committed to the highest standards of Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) compliance. We aim to provide a seamless bridge between cryptocurrency and traditional fiat systems while ensuring our platform is not used to facilitate illegal activities.

This policy outlines our approach to balancing user financial privacy with strict adherence to international regulatory requirements.

Our Privacy Commitment: We firmly believe in financial sovereignty. We employ a tiered, risk-based approach that allows basic usage without mandatory identity verification, stepping up security measures only when transaction limits or behavioral triggers require it.

2. The Risk-Based Approach & Tiered Limits

To accommodate users seeking privacy for everyday transactions, IZIPAY utilizes a proprietary risk-assessment matrix. Our services are divided into tiers:

Basic Tier (No KYC): Users can issue virtual crypto debit cards by registering with an email address. This tier is subject to strict, non-negotiable lifetime and monthly spending limits designed for everyday online shopping and digital subscriptions.
Verified Tier: Users requesting increased limits, high-volume physical card cash withdrawals, or exhibiting specific usage patterns must complete our Know Your Customer (KYC) procedure.

3. When KYC is Triggered

While basic virtual card usage does not automatically require document submission, IZIPAY reserves the right to request KYC verification at any time to comply with international AML directives. Triggers include, but are not limited to:

Exceeding the pre-defined fiat conversion volume associated with the Basic Tier.
Suspicious transaction patterns flagged by our automated monitoring systems.
Requests to upgrade to higher-tier physical cards with expanded ATM withdrawal capabilities.
Deposits originating from known high-risk wallets or mixers.

4. KYC Verification Process

If KYC is triggered or voluntarily initiated by the user to lift limits, we utilize secure, third-party verification providers. The process requires:

A valid government-issued ID (Passport, National ID card).
A live selfie / biometric liveness check.
In certain high-volume cases, Proof of Address (PoA) or Proof of Source of Funds (SoF).

All data is processed using bank-grade encryption and is never sold to marketing agencies.

5. Prohibited Jurisdictions & Users

IZIPAY actively blocks access to individuals and entities residing in regions under comprehensive sanctions programs, including those maintained by the UN, OFAC (US), and the European Union. We do not provide services to residents of North Korea, Iran, Syria, and other highly restricted jurisdictions.

Furthermore, our systems actively screen against global Politically Exposed Persons (PEP) and sanctions lists.

6. Transaction Monitoring

We employ advanced, AI-driven blockchain analytics to monitor inbound cryptocurrency deposits and outbound fiat settlements. Our systems detect:

Interactions with darknet markets or sanctioned entities.
Unusual velocity of transactions or structural anomalies.
"Structuring" attempts (smurfing) to bypass limit thresholds.

If illicit activity is suspected, IZIPAY reserves the right to freeze the account, block the associated debit cards, and report the activity to relevant authorities as required by law.

7. Contact Compliance

If you have questions regarding your account limits, a pending KYC request, or our AML procedures, please contact our dedicated compliance team:

Email: support@izipay.me