In order to counteract the legalization of proceeds from crime and the financing of terrorism, the UNIOCHANGE exchange service conducts AML/KYT checks on all transactions using a risk-based monitoring systеm.
1. AML Risk Assessment & Monitoring
UNIOCHANGE uses a Risk Score model provided by third-party AML analyzers.
- Each transaction is assigned a Risk Score ranging from 0% to 100%.
- Transactions with a Risk Score above 10% are subject to additional review.
- Transactions exceeding 30% Risk Score may be temporarily suspended and require KYC/SoF verification.
Risk evaluation is based on exposure to high-risk sources, including but not limited to:
Dark Markets, Mixers, Sanctioned entities, Fraud, Stolen funds, Scam activity, Gambling, Terrorism Financing, and other illegal services.
2. AML Tools & Data Sources
UNIOCHANGE utilizes third-party AML/KYT analyzers (such as AMLBot, Chainalysis, TRM Labs, or equivalent services) to:
- Analyze incoming and outgoing crypto transactions
- Assign Risk Scores
- Detect suspicious or high-risk activity
These systems rely on blockchain analytics, clustering algorithms, and global risk intelligence databases.
3. Prohibited Sources
UNIOCHANGE strictly prohibits transactions involving high-risk or sanctioned sources.
- Garantex
- Tornado Cash
- Hydra
- Blender.io
- Lazarus Group
- Genesis Market
- ChipMixer
- Shinbad.io
- Commex
- Capitalist
- Any Iranian platforms and other sanctioned jurisdictions
Transactions connected to such sources may be blocked and subject to investigation.
4. User Requirements
- The sender and recipient must be the same person. Third-party transfers are strictly prohibited.
- All user-provided data must be accurate and up-to-date.
- The use of VPNs, TOR, proxies, or anonymization tools is strictly prohibited.
- The user is fully responsible for ensuring that the source of funds is legal before initiating a transaction.
5. Verification Procedures (KYC / SoF)
Stage 1 – Basic Verification
- Government-issued ID (passport or national ID)
Stage 2 – Advanced Verification
- Selfie with ID
- Video verification (minimum 10 seconds)
- Handwritten note with date and “UNIOCHANGE”
- Proof of Source of Funds (screenshots, transaction history, etc.)
Stage 3 – Enhanced Due Diligence (EDD)
- Additional documentation if required
- Manual compliance review
Estimated timeframes:
- Standard cases: 1–3 business days
- Complex cases: up to 7 business days
UNIOCHANGE reserves the right to request verification at any stage of the transaction.
6. Source of Funds (SoF)
- Exchange account history
- Wallet screenshots
- Blockchain transaction records
- Income documentation
Failure to provide valid proof may result in refusal of service.
7. Transaction Suspension
- The transaction may be temporarily suspended
- Funds may be held until verification is completed
- Additional investigation may be conducted
UNIOCHANGE reserves the right not to disclose internal AML procedures or analysis results.
8. Refund Policy (AML Cases)
- Maximum refund fee: up to 5% of the transaction amount, capped at $100
- For legitimate users whose funds are confirmed as clean after KYC/SoF verification, only the network fee will be deducted
- Refund processing time: up to 7 business days after approval
The user must confirm refund details before processing.
9. Crypto Address Policy
- Verified and labeled crypto addresses
- Trusted liquidity providers and exchanges
- Unique (one-time) wallet addresses when applicable
All transactions are monitored to ensure asset quality and compliance with AML standards.
10. Preliminary AML Check
UNIOCHANGE may offer users the option to perform a paid AML check before initiating a transaction.
- Share report with service
- Or proceed at own risk
11. Data Protection & Privacy
- Data collected only for AML/KYC
- Stored securely with restricted access
- Encryption applied
- Shared only when required by law
12. Liability Disclaimer
UNIOCHANGE is not responsible for misuse by third parties but takes all reasonable measures to prevent illegal use.
13. Final Statement
- Refuse or cancel transactions
- Request verification anytime
- Suspend suspicious accounts
By using the service, the user agrees to this policy.
