KYC & AML Policy

In practice, KYC at Raven Gewinode means we collect and confirm a small set of basic facts about you: your full legal name, your date of birth, your country of residence, your contact details and the payment method you intend to use. We compare the details you typed into the sign-up form with the details shown on the documents you upload.

What we do not do

We will never solicit your internet banking credentials, your complete card PIN, or access to your computer or mobile device. Our staff members are instructed never to request such information. Any communication asking for these is fraudulent and should be reported using the abuse reporting mechanism.

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.

In cases where AML regulations conflict with a client's stated wishes, regulatory requirements supersede client preference. This may result in transaction delays, requests for supplementary documentation, or temporary account restrictions until the issue is settled.

1. 01

   Legal obligation

   Entities that safeguard or move client money are ordinarily obliged to authenticate clients before delivering services. This requirement is mandatory and applies uniformly across all accounts.

2. 02

   Protecting your money

   Account verification connects a user account to a single identifiable account holder. This substantially reduces the risk of unauthorized account access and ensures that money returned to you is sent exclusively to a payment source you have verified as your own.

3. 03

   Keeping the platform clean

   Screening keeps sanctioned parties and anonymous shell activity off the platform, which protects every other client using it.

4. 04

   Faster payouts later

   An account verified up front does not have to stop for checks at withdrawal time, which is when delays are least welcome.

1. Identity document

A state-issued credential displaying your image, complete name, birth date, credential identifier and validity expiration. Typical examples include a passport, national identity document, or photographic driving credential where photo identification is part of the license. The credential must be current and not past its validity date.

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

Evidence that the funding instrument belongs to you. For a card, that is normally an image of the card showing your name, the first six and last four digits and the expiry date, with the remaining digits and the security code covered. For a transfer from a bank account, that is a statement or confirmation in your name showing the account identifier. For an electronic wallet, a screenshot of the account profile showing your name and the account identifier.

Formats and file size

Upload caps, permitted formats and any further document specifications are displayed in your account's verification section. Materials in a script or language other than the account's language may need professional translation; the compliance department will notify you if this is necessary.

1. 01

   Register

   Register using your actual legal name, birth date, nation where you reside, contact email and contact number. Differences between your account data and your submitted documents represent the principal source of verification delays.

2. 02

   Confirm contact details

   Confirm your email address and, where requested, your phone number. This proves the contact channels belong to you.

3. 03

   Upload your identity document

   Upload the pages that carry your photograph and personal data. Some checks include a short liveness or selfie step to confirm the document belongs to the person holding it.

4. 04

   Upload proof of address

   Submit a current, qualifying proof of residence registered in your name at your stated location.

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

   The compliance department examines your file, performs mandatory regulatory screening protocols, and either grants account approval or requests amendments.

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.
• Intensive examination, when necessary, extends the timeline and will be communicated directly to you.

If a decision is unclear to you, contact support and ask for the reason. Where the law permits us to explain, we will.

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 demand for replacement documentation or justification regarding transaction origins.
• A temporary hold on a specific transaction while it is reviewed.
• Adjustment of the limits published in your account.
• Restriction or closure of the account where the law requires it.

Records

Identification data and operational records are stored for durations mandated by governing regulations following account termination, and are managed pursuant to our Privacy Policy. Certain jurisdictions restrict disclosure to clients when an official filing has been submitted.

• Give accurate, current and complete information, and keep it up to date.
• Use only your own funds and your own payment instruments - never someone else's.
• 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.
• Report any suspected unauthorised access to your account immediately.

Providing forged or doctored documents represents a breach of terms. Violations result in immediate account deactivation and, where mandated by jurisdiction, notification to the relevant regulating body.

Licenses & regulatory information