AML / KYC Policy

Purpose

Giftinzo is committed to preventing money laundering, terrorist financing, sanctions evasion, and fraud. This policy applies to every user.

Verification tiers

Tier 0 (email + phone verified): buy up to $2000/month, sell up to $2000/month, crypto withdrawals only.
Tier 1 (government photo ID): sell up to $5000/month, bank withdrawals enabled.
Tier 2 (ID + proof of address): higher limits on review.

We may require verification at any time, including below these thresholds, where activity appears unusual.

Monitoring

We monitor for red flags including rapid high-volume selling, structuring below limits, multiple linked accounts, and patterns consistent with stolen-card laundering. Flagged activity may result in holds, information requests, or account closure.

Restricted jurisdictions

The Platform is unavailable to residents of, and blocks transactions connected to, jurisdictions subject to comprehensive international sanctions. The current list is available from support.

Records & reporting

We retain identification and transaction records as required by applicable law and cooperate with lawful requests from regulators and law enforcement. Withdrawals require a verified phone number at minimum; bank withdrawals require Tier 1 verification.