AAJA Exchange
AML/KYC/KYT Policy
AAJA Exchange applies identity, payment, and transaction checks to protect users and reduce financial crime risk.
Last updated: 2026
1. Policy overview
AAJA Exchange maintains anti-money laundering, know-your-customer, and know-your- transaction controls for exchange activity on the platform. These controls help prevent fraud, stolen funds, sanctions evasion, terrorist financing, money laundering, and other misuse of digital currency and payment services.
AAJA Exchange may request additional verification before processing, completing, recalculating, refunding, or releasing an order.
2. Why verification may be required
- The order amount, frequency, payment method, or wallet exposure is higher risk.
- Sender details do not match the order or account information.
- A third-party account, third-party wallet, or unclear source of funds is involved.
- A payment provider, blockchain monitoring tool, or internal review flags the transaction.
- Support needs proof of ownership, source of funds, or transaction purpose before continuing.
3. AML principles
AAJA Exchange does not knowingly process transactions connected with fraud, theft, sanctions evasion, terrorist financing, darknet activity, ransomware proceeds, scam operations, illegal gambling, corruption, or other unlawful activity.
If risk indicators are found, AAJA Exchange may pause an order, request documents, cancel service, refund where possible, block an account, or cooperate with competent authorities and payment partners when required.
4. KYC verification
KYC checks help confirm the identity of the person using the service and whether the person controls the payment accounts, wallets, and funds used in an order.
5. KYT transaction monitoring
KYT checks may include wallet screening, transaction-hash review, blockchain analytics, exposure scoring, payment proof review, and manual assessment of transaction behavior.
6. Risk-based checks
AAJA Exchange applies checks based on risk. Lower-risk orders may require only normal order details, while higher-risk orders may require enhanced due diligence before processing.
- Level
- Level 1
- Typical requirement
- Email, order details, and payment instructions
- When used
- Standard lower-risk exchanges
- Level
- Level 2
- Typical requirement
- Payment proof, wallet proof, sender account confirmation, or ownership checks
- When used
- Higher value, unusual, delayed, or disputed orders
- Level
- Level 3
- Typical requirement
- Identity document, selfie, address, source-of-funds evidence, or enhanced review
- When used
- High-risk activity, compliance alerts, or payment partner requirements
| Level | Typical requirement | When used |
|---|---|---|
| Level 1 | Email, order details, and payment instructions | Standard lower-risk exchanges |
| Level 2 | Payment proof, wallet proof, sender account confirmation, or ownership checks | Higher value, unusual, delayed, or disputed orders |
| Level 3 | Identity document, selfie, address, source-of-funds evidence, or enhanced review | High-risk activity, compliance alerts, or payment partner requirements |
7. Suspicious activity
Examples of suspicious activity include:
- Using third-party funds without clear authorization or proof.
- Incorrect sender details, mismatched account names, or inconsistent payment proof.
- High-risk wallet source, exposure to stolen funds, mixer use, darknet markets, or sanctioned entities.
- Attempting to avoid verification, splitting orders to avoid limits, or refusing reasonable questions.
- Multiple suspicious transactions, repeated failed orders, fake proofs, or abusive support behavior.
8. Documents we may request
- Government-issued identity document.
- Selfie or liveness confirmation.
- Proof of address or contact confirmation.
- Proof of payment account or wallet ownership.
- Source-of-funds explanation and supporting documents.
- Transaction hash, blockchain screenshot, bank receipt, mobile money receipt, or merchant confirmation.
9. Refusal or cancellation of service
AAJA Exchange may refuse, delay, cancel, or refund an order where verification is not completed, risk is too high, activity appears suspicious, service is legally restricted, or payment details cannot be safely confirmed.
10. Data storage
Verification, payment, support, and transaction records may be stored with restricted access for operational, compliance, fraud-prevention, audit, dispute-resolution, and legal purposes. Retention periods depend on business needs and applicable obligations.
11. User responsibilities
- Provide truthful and current information.
- Use only funds, wallets, and payment accounts you control or are authorized to use.
- Respond to support requests promptly and provide clear documents.
- Do not create orders intended to hide ownership, source, destination, or purpose of funds.