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Regulations for conducting AML checks and KYC policies
1. AML control of incoming transactions.

The N-change.net exchange service implements mandatory AML control on all incoming transactions using the licensed BitOK analytical tool and an internal Risk-Score risk assessment model.


2. Risk assessment model (Risk-Score).
  • The Risk Score is calculated based on funding sources, transaction history, and risk categories.
  • If the overall AML risk level exceeds 75% or dangerous flags are present, the exchange will be stopped and a user identity verification (KYC) request will be sent.
  • List of dangerous labels:
    • Child Exploitation
    • Darknet Marketplace
    • Darknet Service
    • Enforcement Action
    • Fraudulent Exchange
    • Illegal Service
    • Mixing Service
    • Ransom
    • Sanctions
    • Scam
    • Stolen Coins
    • Terrorism Financing

3. KYC (Identity Verification).
  • KYC (Know Your Customer) – protsedura verifikatsii lichnosti pol'zovatelya i otsenki potentsial'nykh riskov ot nego provoditsya cherez tekhnicheskogo provaydera Sumsub (sumsub.com).
  • Aktivnim soglasiyem s KYC politikoy servisa pri neobkhodimosti pol'zovatel' obyazuyetsya predostavit' tekhnicheskomu provayderu zaprashivayemyye dokumenty.
  • Kogda mozhet potrebovat'sya KYC
    • vysokiy Risk-Score
    • risk-metki vysokogo urovnya
    • podozreniya na moshennichestvo
    • nesootvetstviye dannykh tranzaktsii
    • rassmotreniye zayavki na vozvrat sredstv
  • Chto mozhet zaprosit' tekhnicheskiy provayder
    • dokument, udostoveryayushchiy lichnost'
    • selfi dlya sravneniya
    • podtverzhdeniye proiskhozhdeniya sredstv (SoF)
    • skrinshoty operatsii
    • podtverzhdeniye prinadlezhnosti adresa
    • Ещё 1 933
  • KYC (Know Your Customer) – a procedure for verifying the user's identity and assessing potential risks is carried out through the technical provider Sumsub (sumsub.com).
  • By actively agreeing to the service's KYC policy, the user agrees to provide the technical provider with the requested documents, if necessary.
  • When KYC might be required
    • high Risk Score
    • high risk flags
    • suspected fraud
    • inconsistency in transaction data
    • refund request review
  • What the technical provider might request
    • identification document
    • selfie for comparison
    • proof of origin of funds (SoF)
    • transaction screenshots
    • confirmation of address ownership

4. Stages and terms of verification

  • The service suspends the application, notifies the User via email or chat, and requests verification (KYC).
  • The User provides the requested documents.
  • Manual AML/KYC/SoF verification — up to 24 hours after receiving the full set of documents.
  • Decision (exchange/refund) — within 24 hours after verification is complete.
  • The overall estimated processing time is up to 48 hours.


5. Refund Policy

Refunds to bona fide Users

  • Users who have successfully completed the KYC verification procedure and show no signs of involvement in anti-money laundering (AML) activities are entitled to a full refund of their unlocked assets, minus the current blockchain network fee, within 24 hours of the decision being made.

Refunds in case of KYC refusal or unsuccessful verification.

  • In the event of KYC refusal or the inability to confirm the User's identity and the legitimate origin of the funds, the assets are subject to return to their original account. Upon return, a fee of up to 5% of the amount, but no more than $100, may be withheld to cover the costs of handling the incident. The return period is up to 2 business days.
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