AML

Anti-Money Laundering

Version 1.0

Effective from Jul 28th, 2026

1. Introduction

Kizzy.io is operated by Vintaro Limited, Registration No. 16266, with its registered office at Hamchako, Mutsamudu, Autonomous Island of Anjouan, Union of Comoros.

Kizzy.io is committed to the prevention of money laundering and the financing of terrorism. This Anti-Money Laundering (AML) Policy outlines our approach to ensuring compliance with applicable laws, including the EU’s Sixth Anti-Money Laundering Directive (6AMLD), FATF Recommendations, and the General Data Protection Regulation (GDPR).

2. Objective of the Policy

To safeguard our platform, customers, and financial systems, Kizzy.io has implemented a structured account verification process and continuous transaction monitoring. Our objective is to ensure that user identities are verified, financial activities are legitimate, and risks related to money laundering are mitigated.

3. Legal Framework

Kizzy.io aligns its AML measures with:

Directive (EU) 2015/849, as amended by Directive (EU) 2018/843 and Directive (EU) 2018/1673 (6AMLD).
Regulation (EU) 2015/847 on information accompanying transfers of funds.
GDPR (Regulation (EU) 2016/679).
Anjouan AML legislation.
Relevant FATF Recommendations.

4. Definition of Money Laundering

Money laundering involves:

Concealing the origin of criminal proceeds.
Converting or transferring illicit assets to disguise their origin.
Acquiring or using criminally obtained property knowingly.
Aiding or facilitating any of the above actions.

Money laundering is illegal even when the predicate offense occurs in another jurisdiction.

5. Governance Structure

General Management of Vintaro Limited holds ultimate responsibility for AML compliance.
An Anti-Money Laundering Compliance Officer (AMLCO) oversees implementation, reporting, and risk assessments.

6. Customer Due Diligence (KYC)

Kizzy.io enforces identity verification at account creation and during certain transactions to comply with applicable AML/CFT regulations. To facilitate this process, Kizzy.io uses a third-party identity verification provider. All personal information submitted during the verification process is processed securely and in accordance with applicable data protection laws and Kizzy.io’s Privacy Policy.

Required Documents:

Government-issued ID (passport, ID card, or driver’s license) with:
A selfie holding the ID and a handwritten note with randomly generated numbers.
Visible corners of the document.
Only essential fields (name, DOB, nationality, gender, photo) required unless further data is necessary.
Proof of Address:
Verified electronically where possible. If verification fails, a manual document such as a utility bill, government letter, or bank statement dated within 3 months is required.
Source of Funds:
May include employment documents, business ownership proof, inheritance, or investment records.

6.1 Politically Exposed Persons (PEP) and Adverse Media Screening

Kizzy.io conducts Politically Exposed Person (PEP) and adverse media screening as part of its customer due diligence procedures through third-party compliance service providers. Screening is performed on a risk-based basis during onboarding and may be repeated periodically throughout the customer relationship to identify potential money laundering, corruption, fraud, sanctions exposure, or other financial crime risks.

6.2 Enhanced Due Diligence (EDD)

Kizzy.io applies Enhanced Due Diligence (EDD) measures to customers deemed higher risk due to factors including, but not limited to, jurisdiction, transaction behavior, source of funds, source of wealth, PEP status, adverse media findings, sanctions exposure, unusual transaction activity, or other risk indicators. Kizzy may require additional verification (including Enhanced Due Diligence) at any time and at its sole discretion, whether or not any particular transaction threshold is met, where it considers this appropriate to manage risk or to comply with applicable law. EDD measures, which are conducted with the assistance of third-party compliance service providers, may include obtaining additional identity verification documents, source of funds and source of wealth information, enhanced transaction monitoring, manual compliance reviews, and temporary account restrictions or suspensions pending completion of the review.

7. Transaction Monitoring

Kizzy.io employs a three-tiered transaction monitoring system:

1. Automated Monitoring: automated systems detect irregularities such as:

Repeated deposits/withdrawals without gameplay.
Use of different payment methods or wallets.
Account behavior or geographic changes.

2. Employee Review:

Trained personnel review automated alerts and perform manual verification.

3. Manual Audits:

Higher-risk users and suspicious accounts are audited manually.

All suspicious transactions are escalated to the AMLCO.

7.1 Sanctions Screening

Kizzy.io screens customers and transactions against applicable international sanctions and watch lists, including but not limited to the United Nations (UN), Office of Foreign Assets Control (OFAC), and European Union (EU) sanctions lists, using third-party compliance service providers. Screening is performed on a risk-based basis during onboarding, during certain transactions, and may be repeated periodically throughout the customer relationship. Customers identified as sanctioned persons or entities may be restricted, suspended, rejected, or reported to the relevant authorities in accordance with applicable laws and regulations.

7.2 Blockchain Transaction Monitoring

Kizzy.io supports cryptocurrency deposits and withdrawals on the Monad blockchain and utilizes blockchain analytics and transaction monitoring tools to monitor such activity. This monitoring is designed to identify high-risk wallet addresses, sanctioned entities, suspicious transaction patterns, exposure to illicit activities, and other indicators of financial crime. Kizzy.io reserves the right to request additional information, perform enhanced due diligence measures, suspend transactions, or restrict account activity where concerns are identified.

8. Reporting Suspicious Activity

All employees must report suspicious activity to the AML team. The AMLCO:

Reviews the report.
Files a Suspicious Activity Report (SAR) with the relevant Financial Intelligence Unit (FIU) if necessary.
May terminate user accounts based on findings.

9. Record Keeping

In line with legal requirements:

KYC documentation is retained for 10 years after account closure.
Transaction records are stored securely (offline and encrypted) for 10 years.

10. Staff Training

Kizzy.io ensures:

All employees undergo mandatory AML training annually.
New hires receive AML instruction tailored to their role.
Training is updated in line with regulatory changes.

11. Data Protection

Kizzy.io complies with the GDPR. User data:

Is securely stored.
Is not shared unless legally required (e.g., AML investigations).

12. Contact & Complaints

For AML or KYC-related inquiries: Email: support@kizzy.io