AML/KYC

Anti-Geldwäsche (AML) und Kundenidentifizierung (KYC) Richtlinie

Unser Engagement für Sicherheit und Compliance

Mostbet hält sich an die höchsten internationalen Standards zur Bekämpfung von Geldwäsche (Anti-Money Laundering — AML) und Terrorismusfinanzierung (Counter-Terrorist Financing — CTF) gemäß den Anforderungen der Curaçao-Lizenz №8048/JAZ2016-065 und den FATF-Empfehlungen (Financial Action Task Force).

Наша политика AML/KYC направлена на:

✅ Verhinderung der Nutzung der Plattform zur Geldwäsche
✅ Schutz der Benutzer vor Betrug und Identitätsdiebstahl
✅ Einhaltung internationaler regulatorischer Anforderungen
✅ Unterstützung globaler Bemühungen zur Bekämpfung der Terrorismusfinanzierung

Was ist Geldwäsche?

Nach internationalen Standards ist Geldwäsche der Prozess der Legalisierung von Einkommen, das durch kriminelle Mittel erlangt wurde, einschließlich:

Verschleierung der Herkunft von Geldern – Verbergen der wahren Quelle illegal erlangter Vermögenswerte
Vermögensumwandlung – Transformation, Transfer oder Austausch von durch kriminelle Aktivitäten erlangtem Eigentum
Integration in die legale Wirtschaft – Verwendung gewaschener Gelder für legale Transaktionen, um ihnen den Anschein von Legalität zu verleihen
Grenzüberschreitende Operationen – Bewegung von Geldern durch verschiedene Jurisdiktionen, um die Verfolgung zu erschweren

Terrorismusfinanzierung umfasst alle Handlungen zur Sammlung, Bereitstellung oder Verwendung von Geldern zur Unterstützung terroristischer Organisationen oder Aktivitäten.

Benutzerpflichten

Durch die Eröffnung eines Kontos bei Mostbet und die Nutzung unserer Dienste erklären Sie sich damit einverstanden, dass:

✔ Sie alle geltenden Gesetze zur Bekämpfung von Geldwäsche und Terrorismusfinanzierung in Ihrer Gerichtsbarkeit einhalten
✔ Sie die Legalität der Herkunft Ihrer Mittel garantieren – alle Einzahlungen (vergangene, gegenwärtige und zukünftige) sind legal erworben und stehen nicht in Zusammenhang mit kriminellen Aktivitäten
✔ Sie genaue Informationen angeben – alle während der Registrierung und Verifizierung angegebenen Daten sind wahrheitsgemäß und aktuell
✔ Sie bei Verifizierungsverfahren kooperieren – Sie stellen umgehend angeforderte Dokumente und Informationen zur Identifizierung bereit
✔ Sie Änderungen mitteilen – Sie informieren uns über Änderungen bei persönlichen Daten, Wohnadresse oder Einkommensquellen

Wichtig: Der Versuch, die Plattform für Geldwäsche, Betrug oder andere illegale Aktivitäten zu nutzen, führt zur sofortigen Kontosperrung, Beschlagnahme von Geldern und Weitergabe von Informationen an Strafverfolgungsbehörden.

Von Mostbet ergriffene Maßnahmen

Um die Einhaltung der AML/KYC-Richtlinie sicherzustellen, wenden wir einen umfassenden Ansatz an:

1. Sammlung und Speicherung von Identifikationsdaten

Wir sammeln und speichern die folgenden Informationen über jeden Benutzer sicher:

Vollständiger Name (gemäß offiziellen Dokumenten)
Geburtsdatum
Wohn- und/oder Meldeadresse
Staatsangehörigkeit und Land des steuerlichen Wohnsitzes
Kontaktdaten (E-Mail, Telefon)
Quellen der Geldherkunft (Gehalt, Geschäft, Investitionen usw.)

All data is protected by 256-bit SSL encryption and stored on secure servers in accordance with GDPR requirements and Curaçao legislation.

2. Risk-Based Approach

We apply a multi-level risk assessment system:

Low risk:

Small deposit amounts (up to $1,000 equivalent)
Standard payment methods (bank cards)
Regular gaming activity without suspicious patterns

Medium risk:

Deposits from $1,000 to $10,000
Use of electronic wallets
First request for large withdrawal

High risk:

Deposits over $10,000
Use of cryptocurrencies
Unusual transaction patterns (multiple deposits/withdrawals without gaming activity)
Users from countries with high corruption levels

3. Continuous Transaction Monitoring

Our automated system tracks:

Transaction structuring – multiple small deposits to bypass limits
Fast deposit-withdrawal cycles – depositing funds with immediate withdrawal request without gaming
Profile mismatch – deposits not matching declared income source
Abnormal betting patterns – unusual behavior indicating collusion or laundering
Multiple accounts – attempts to create duplicate accounts

4. Sanctions List Verification

All users are automatically checked against international databases:

OFAC (Office of Foreign Assets Control, USA) – US sanctions lists
UN Security Council Sanctions List – UN sanctions
EU Sanctions List – European Union sanctions
Interpol Most Wanted – international wanted list
PEP Lists (Politically Exposed Persons) – public officials

If your name matches an entry in sanctions lists, the account will be blocked until circumstances are clarified.

Verification Procedure (KYC — Know Your Customer)

To protect your account and comply with regulatory requirements, we conduct mandatory identity verification for all users.

When is Verification Required?

✅ First withdrawal request (regardless of amount)
✅ Cumulative deposit exceeded €2,000/$2,000 equivalent
✅ Suspicious activity detected on account
✅ Change in payment details (new card, wallet)
✅ Random checks as part of periodic audit (Enhanced Due Diligence)

Verification Levels

Level 1 — Basic verification (Basic KYC):

Required documents:

Identity document (one of):

Passport (spread with photo and personal data)
National ID card (both sides)
Driver's license (both sides)

Требования к документам:

Document must be valid (not expired)
Color photo, clear, without glare
All four corners of document visible
Data fully readable
Acceptable formats: JPG, PNG, PDF (up to 10 MB)

Verification time: 1-24 hours

Level 2 — Enhanced verification (Enhanced KYC):

In addition to Level 1, the following are required:

Address confirmation (one of, not older than 3 months):

Utility bill (electricity, water, gas, internet)
Bank statement with address
Registration certificate at place of residence
Rental agreement with government agency stamp

Selfie with document:

Your photo holding passport/ID near your face
Document must be clearly readable
Your face must be clearly visible

Source of funds confirmation (for large amounts):

Income certificate from work (2-NDFL, payroll)
Bank statement of receipts
Property ownership certificate
Asset purchase/sale agreement
Inheritance, gift documents
Lottery win (with confirmation)

Verification time: 2-5 business days

Level 3 — Enhanced Due Diligence (EDD):

Applied for:

Deposits over €10,000/$10,000
VIP clients
Politically Exposed Persons (PEP)
Users from countries with high corruption levels

Additionally may be required:

Notarized document copies
Apostille on foreign documents
Video call with verification service
Additional capital origin certificates
Beneficial owner information (for legal entities)

Verification time: 5-10 business days

How to Pass Verification?

Log into your Personal Account on the website or in the app
Go to the "Verification" or "Account Settings" section
Upload required documents through the secure upload form
Wait for notification about verification status (email, SMS, push)

Alternative method: Send scanned document copies to documents@most-bet-apk.org with email subject: "KYC Verification — [Your User ID]"

Verification Statuses

🟢 Approved – all documents accepted, you can withdraw funds without restrictions

🟡 Under review – documents uploaded and under consideration (usually up to 24 hours)

🔴 Rejected – documents do not meet requirements (reasons specified in notification)

⚪ Additional information required – upload additional documents

Suspicious Activity and Consequences

Mostbet has the right and obligation to suspend or block a user's account when detecting signs of:

❌ Money laundering or terrorist financing
❌ Fraud, use of stolen payment data
❌ Creating multiple accounts (multi-accounting)
❌ Bonus hunting using fake documents
❌ Collusion with other players (in casino or betting)
❌ Providing false information during registration
❌ Using VPN/proxy to bypass geographic restrictions

Mostbet Actions on Suspicion:

Immediate account freeze – blocking deposits and withdrawals until circumstances are clarified
Request for additional documents – Enhanced Due Diligence (EDD)
Regulator notification – information transfer to Financial Intelligence Unit (FIU) Curaçao
Cooperation with law enforcement – providing data upon official request
Fund confiscation – upon confirmation of illegal asset origin

Important: Mostbet is not obligated to notify the user about information transfer to law enforcement agencies to avoid hindering the investigation.

Schutz Ihrer Daten

Wir nehmen den Datenschutz und die Sicherheit Ihrer personenbezogenen Daten ernst:

🔒 SSL/TLS 256-bit encryption – all data transmitted over secure protocol
🔒 Secure servers – storage on servers with physical security and multi-level protection
🔒 Limited access – only authorized compliance staff have access to documents
🔒 GDPR compliance – you can request deletion of your data at any time
🔒 No third-party sharing – your documents are not shared with marketing companies or partners

Document retention period: 5 years from account closure (in accordance with Curaçao requirements).

Frequently Asked Questions (FAQ)

Q: Why do I need to pass verification?

A: This is a requirement of international regulators to prevent fraud, money laundering and protect your account from unauthorized access.

Q: How long does verification take?

A: Basic verification — 1-24 hours. Enhanced — 2-5 business days. EDD — 5-10 business days.

Q: Can I withdraw funds before verification?

A: No. Verification is mandatory for the first withdrawal regardless of amount.

Q: Is it safe to send document copies?

A: Yes. All data is encrypted and stored on secure servers. Only compliance staff have access.

Q: What to do if my documents are rejected?

A: Check the reasons in the notification (usually: low photo quality, expired document, corners not visible). Upload new documents meeting the requirements.

Q: Can I pass verification for another person?

A: No. Each account must be registered and verified for a real person. Attempting to use someone else's documents will result in blocking.

Q: Do I need to pass verification again?

A: Yes, when changing payment details, large deposits or upon security service request (annual audit for VIP clients).