1. Our commitment
MONERO maintains an anti-money-laundering and counter-terrorist-financing program designed to detect, prevent and report abuse of the service. The program follows applicable AML and sanctions laws in the jurisdictions where we operate.
2. Customer identification
Before you can use the wallet we verify your identity (know-your-customer). We collect identification data and documents, and we may ask for additional evidence at any time, for example when you raise your verification tier.
Accounts that cannot be verified are restricted or closed.
3. Ongoing monitoring
We monitor deposits, withdrawals and account behavior for unusual patterns, using automated rules and human review. Activity inconsistent with your profile may be delayed, questioned or rejected.
4. Source of funds
For certain volumes or risk signals we will ask you to document the origin of your funds — for example payslips, sale contracts or transaction histories. Operations may be paused until satisfactory evidence is provided.
5. Sanctions screening
Customers, addresses and transactions are screened against sanctions and watchlists. We do not serve sanctioned persons, entities or jurisdictions, and matches are blocked and reported where the law requires.
6. Suspicious activity reporting
Where we know or suspect that funds are linked to crime, we report to the competent authorities as required by law. We are not permitted to inform you that a report was made.
7. Record keeping
Identification data, transaction records and reports are kept for the retention periods required by AML law, and are made available to authorities on lawful request.
8. Prohibited activity
You must not use the service to disguise the origin of funds, to transact on behalf of undisclosed third parties, or for any activity prohibited by sanctions or criminal law. Violations lead to account closure and, where required, reports to authorities.
9. Cooperation with authorities
We cooperate with regulators, financial intelligence units and law enforcement, and respond to lawful requests within the required timeframes.
10. Contact
Questions about this policy can be sent to the support center. For legal reasons we cannot discuss specific monitoring or reporting decisions.