AML Policy

We do not knowingly facilitate money laundering, terrorist financing, sanctions evasion or the proceeds of fraud, ransomware, theft or darknet trade. Where we see clear signs of any of that, we stop the swap — even though we never asked for your identity in the first place.

Instead of collecting documents from everyone, we look at the risk in each swap: where the connection comes from, the addresses involved, the size and pattern of the exchange, and what our liquidity partner reports back. Ordinary swaps pass through untouched; unusual ones get attention.

Before a swap is created, we screen the receiving and refund addresses against sanctions and high-risk lists, including the OFAC SDN digital currency identifiers. If an address is flagged, the swap is rejected and nothing is sent to it.

We block access from sanctioned countries, from regions under territorial sanctions, and from places where crypto services are banned. Connections through anonymising networks are refused because they defeat those checks. The current list is published on our Restricted countries page and reviewed every quarter.

Every swap requires you to confirm that you are at least 18, that you are not located in or resident of a prohibited jurisdiction, that you are not subject to sanctions, and that the funds are lawfully yours. Getting that wrong is a breach of our Terms of Use.

A flagged swap is paused rather than silently swallowed. Depending on what triggered it, funds may be returned to the refund address you provided, or held while we or our liquidity partner review the case. Where the law requires it, we may be obliged to report the matter and to withhold funds.

We keep the minimum needed for compliance: swap records, the addresses involved, timestamps, and a log of blocked attempts with the country code and reason. We don't build profiles, and we don't keep personal documents we never asked for.

When we receive a valid, lawful request from a competent authority, we respond with the limited information we actually hold. We will not invent data, and we will not hand over more than the request covers.

This policy and the restricted list are reviewed at least quarterly, or sooner when sanctions change. Questions go to support@cravyswap.com.