KYC & AML Policy

At Reine Fondange, our KYC implementation involves gathering and validating essential information about you: your complete legal name, birth date, country where you reside, communication methods and your chosen funding source. We cross-reference the information submitted in your registration with documentation you supply.

What we do not do

We will not request your internet banking credentials, complete card PIN, or system access permissions. Our staff will never solicit these. Any request for these items does not originate from us and should be submitted via the misconduct reporting feature.

AML controls are broader than a one-off identity check. They cover risk classification of new accounts, sanctions and politically-exposed-person screening, limits on unusual funding patterns, record keeping, internal escalation of suspicious activity and, where the applicable law requires it, reporting to the competent authority.

Where AML rules and a client instruction conflict, the AML rules take priority. That can mean a delayed transaction, a request for additional documents, or a restricted account until the matter is resolved.

1. 01

   Legal obligation

   Entities that manage or facilitate client assets must typically establish client identity as a precondition of service delivery. This requirement is mandatory and covers all accounts with no exemptions.

2. 02

   Protecting your money

   Verification ties an account to one identifiable owner. It makes account takeover far harder, and it means withdrawals can only be sent back to a payment method proven to belong to you.

3. 03

   Keeping the platform clean

   Verification screenings prevent restricted individuals and opaque entities from accessing the service, thereby safeguarding all other users.

4. 04

   Faster payouts later

   Completing initial verification prevents the need for checks upon withdrawal, avoiding disruption when transactions are most time-sensitive.

1. Identity document

A government-issued document that shows your photograph, full name, date of birth, document number and expiry date. Commonly accepted types are a passport, a national identity card, or a driving licence where it is issued as a photographic identity document. The document must be valid and not expired.

2. Proof of address

A recent document, usually issued within the last few months, showing your name and your residential address as it appears on your account. Typical examples are a utility statement, a bank or card statement, a local tax or municipal notice, or an official letter from a public authority. Post-office boxes and addresses belonging to someone else are not accepted.

3. Proof of payment method

Documentation demonstrating your ownership of the funding source. For a credit or debit card, this typically means a photo displaying your name, the initial six digits and final four digits and expiration date, with remaining digits and CVV obscured. For bank transfer, a bank statement or letter bearing your name with the account number. For digital payment services, an account screenshot displaying your name and account identifier.

Formats and file size

File size restrictions, supported formats and supplementary documentation needs are detailed in your account's verification section. Non-English documents may require certified translation; our compliance staff will advise if necessary.

1. 01

   Register

   Create the account with your real legal name, date of birth, country of residence, email and phone number. Details that do not match your documents are the most common cause of delay.

2. 02

   Confirm contact details

   Validate your email and, if applicable, your mobile number. This verifies you control these communication methods.

3. 03

   Upload your identity document

   Supply the identification pages containing your image and identifying information. Certain procedures may include a liveness confirmation or selfie verification to authenticate the credential holder.

4. 04

   Upload proof of address

   Upload a recent qualifying document in your name at the address on file.

5. 05

   Confirm the payment method

   Provide proof of the instrument you will use to fund and to receive withdrawals.

6. 06

   Screening and review

   Our compliance team reviews the file, runs the required sanctions and risk screening, and either approves the account or asks for a correction.

7. 07

   Confirmation

   You receive a notification once the account status changes. The current status is always visible in the verification area of your account.

Review times depend on volume, on the quality of the uploads and on whether any additional screening is triggered. The processing window that applies to your account, together with the current status of each document, is shown in your account area - that published figure is the one to rely on, not any figure quoted elsewhere.

• Clear, complete, unedited uploads are reviewed fastest.
• Requests submitted outside business hours are queued for the next working day.
• Specialized examination, when applicable, extends processing and will be communicated to you.

Should clarification be required on any decision, reach out to customer support for explanation. Where permitted by applicable rules, we will furnish this information.

What is monitored

Funding and withdrawal patterns, changes of payment instrument, changes of country or contact details, activity that does not match the profile you gave at sign-up, and any activity flagged by our screening tools.

What can happen as a result

• A request for refreshed documents or an explanation of the source of funds.
• Brief suspension of a transaction while examination occurs.
• Adjustment of the limits published in your account.
• Restriction or closure of the account where the law requires it.

Records

Identification data and transaction records are retained for the period required by applicable law after the relationship ends, and are handled in line with our Privacy Policy. Under specific legal circumstances, we may be restricted from notifying you of any filed report.

• Give accurate, current and complete information, and keep it up to date.
• Utilize exclusively your own capital and your own payment methods - borrowing or using another party's funds is not permitted.
• Keep one account only, and keep your credentials private.
• Respond to document requests within the timeframe stated in the request.
• Tell us promptly if you change country of residence, legal name or payment method.
• Notify us without delay if you believe your account has experienced unauthorized activity.

Submitting falsified or altered documents is a serious matter. It leads to closure of the account and, where applicable law requires, notification of the competent authority.

Licenses & regulatory information