AML/KYC

Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy

Our Commitment to Security and Compliance

Mostbet adheres to the highest international standards for combating money laundering (Anti-Money Laundering — AML) and terrorist financing (Counter-Terrorist Financing — CTF) in accordance with the requirements of Curaçao license №8048/JAZ2016-065 and FATF (Financial Action Task Force) recommendations.

Наша политика AML/KYC направлена на:

✅ Preventing the use of the platform for laundering illegally obtained funds
✅ Protecting users from fraud and identity theft
✅ Compliance with international regulatory requirements
✅ Supporting global efforts to combat terrorist financing

What is Money Laundering?

According to international standards, money laundering is the process of legalizing income obtained through criminal means, including:

Concealment of fund origins – masking the true source of illegally obtained assets
Asset conversion – transformation, transfer or exchange of property obtained through criminal activity
Integration into the legal economy – using laundered funds for legal transactions to give them the appearance of legality
Cross-border operations – moving funds through various jurisdictions to complicate tracking

Terrorist financing includes any actions to collect, provide or use funds to support terrorist organizations or activities.

User Obligations

By opening an account with Mostbet and using our services, you agree that:

✔ You comply with all applicable anti-money laundering and terrorist financing laws in your jurisdiction
✔ You guarantee the legality of fund origins – all deposits (past, present and future) are obtained legally and are not related to criminal activity
✔ You provide accurate information – all data specified during registration and verification is truthful and current
✔ You cooperate with verification procedures – you immediately provide requested documents and information for identification
✔ You notify of changes – you inform us of any changes in personal data, residential address or income sources

Important: Attempting to use the platform for money laundering, fraud or other illegal activities will result in immediate account blocking, fund confiscation and information transfer to law enforcement agencies.

Measures Taken by Mostbet

To ensure compliance with AML/KYC policy, we apply a comprehensive approach:

1. Collection and Storage of Identification Data

We collect and securely store the following information about each user:

Full name (according to official documents)
Date of birth
Residential and/or registration address
Citizenship and country of tax residence
Contact details (email, phone)
Sources of fund origins (salary, business, investments, etc.)

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.

Your Data Protection

We take privacy and security of your personal data seriously:

🔒 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).