Basis: International FATF standards and legislation of the countries of presence.

1. Introduction and objectives

4ange.com cryptocurrency exchange platform (hereinafter referred to as the "Service") adheres to the strictest anti-money laundering (AML) and counter-terrorism financing (CFT) standards. This document has been developed in accordance with the recommendations of the Financial Action Task Force (FATF) and the regulations of the jurisdictions where the Service operates.

The main objectives of the Policy:

* Elimination of the possibility of using the 4ange platform for illegal purposes.

* Guaranteed compliance with regulatory standards.

* Protection of the business reputation of the Service.

* Strengthening trust with clients and regulatory authorities.

 

2. Obligations and principles of operation of the Service

4ange is committed to the following:

1. Implementation of customer identification (KYC) and transaction monitoring (KYT) procedures.
2. Continuous assessment of risks associated with clients and transactions.
3. Continuous monitoring of transactions to identify suspicious activity.
4. Suspension of transactions and blocking of assets upon detection of AML/CFT threats.
5. Transfer of information to authorized government agencies in cases regulated by law.
6. Ensuring the safety of personal and transaction data for at least 5 years.
7. Regular training of employees on compliance standards (AML/CFT).
8. Guarantee of the legitimacy and quality of assets sent to clients, regardless of the exchange method.

Requirements for outgoing payments:

All crypto transactions to clients comply with international regulatory requirements (FATF, OFAC). Payouts are made exclusively to:

* Unique one-time addresses.

* Low-risk addresses according to AML analyzers and blockchain explorers.

* Addresses of licensed crypto platforms.

3. User Identification (KYC)

Verification is mandatory for transactions exceeding established limits. 4ange uses solutions from leading KYC providers to verify identity.

Verification levels

To remove platform restrictions and gain access to full functionality, 4ange clients are required to undergo verification. Data verification is performed through trusted third-party KYC providers. The system provides two levels of verification, which determine withdrawal limits:

• Level 1 (Basic). Standard verification for low-risk transactions. Requires email, ID (identity document), and residential address verification.
• Level 2 (Advanced). Applied on a case-by-case basis in cases of increased risk or a high AML status. In addition to the basic level data, confirmation of the source of funds may be required.

The decision on whether to undergo an extended verification is made by the service based on an assessment of the specific situation.

For extended verification, the service needs to verify that your funds were obtained legally. You can provide any of the following documents:

• salary certificates, employment contract or tax return;
• bank statements on receipts;
• investment and dividend documents;
• contracts for the sale of property (for example, an apartment or a car);
• papers on receipt of inheritance or gift;
• proof of business income.

Please note: Depending on the specific situation, the service may request additional documents to clarify the source of funds.

 

Documents required for KYC verification

To complete the procedure, the client must provide:

A) Identity document

Requirements: validity, reliability, independent source, full name, date of birth, photo, and document series. The data must be transliterated into Latin.

* Internal passport of a citizen of the country.

* ID card.

* Foreign passport.

* Driver"s license.

 

B) Document confirming residential address

Requirements: The address must correspond to the client"s place of residence for the past three months. The information must be transliterated into Latin.

* Certified lease agreement or bank statement.

* Utility bills (electricity, etc.).

* Tax return.

* Other official documents confirming the address for the last 3 months.

 

C) Photo verification

* A selfie of a client holding a piece of paper with "4ange" and the current date written on it.

 

Verification deadlines and additional measures

The company conducts double verification of information in accordance with the law. If there is any suspicion of inaccuracy in the information, cooperation may be denied. A repeat request for documents may be made in the event of suspicious activity, even if verification has already been completed.

* Standard document verification: from 1 to 24 hours.

*Enhanced Due Diligence (EDD): 24 to 72 hours.

 

Note: Users from jurisdictions blacklisted by FATF, OFAC, the EU, the UN, or from countries listed in Appendix 1 are not permitted to use the Service.

4. Client categorization

Depending on their risk profile, clients are divided into three groups:

1. Low risk: Undergoing standard CDD procedure.
2. Medium risk: Enhanced monitoring and periodic re-checking (every 2 years).
3. High risk: Application of Enhanced Due Diligence (EDD) procedures.

* Proof of source of funds (SoF) is required.

* Advanced analysis of transaction history.

*Annual update of KYC data.

 

Automatic classification as high risk:

* PEP (politically exposed persons, their relatives and close circle).

* Residents of countries from the FATF High-Risk Jurisdictions list.

* Clients with an annual turnover of over USD 100,000.

 

 

5. Transaction monitoring (KYT) and risk assessment

4ange uses automated and manual analysis methods (including solutions like AMLBot) to verify cryptocurrency transactions.

Monitoring criteria:

1. Linking counterparty addresses to sanctions lists or dangerous clusters (darknet, fraud, theft).
2. Use of anonymization tools (mixers, tumblers, Tornado Cash and similar).
3. Identifying suspicious patterns:

* Structuring operations (smurfing).

* Abnormal volumes that do not match the user profile.

* Transactions from high-risk jurisdictions.

4. Assigning a risk level to the transaction: Low / Medium / High.

Scoring model (approximate):

* Low: score up to 62% according to the provider model.

* Medium: score between 62% and 70% based on the provider"s model.

*High: score between 70% and 75% based on the provider model.

Important : These estimates reflect the opinion of the provider and may not guarantee the absolute accuracy of the source of funds.

Transactions marked as High Risk are blocked automatically and transferred to an AML officer for manual review. We recommend that you conduct checks yourself before sending a transaction to the exchange service and make sure that the address does not contain a risk. Our verification is carried out based on AML bot processing. A preliminary address check can be performed using the service: https://www.bestchange.ru/report/.

 

 

 

6. Actions upon detection of violations and refund of funds

If signs of money laundering, terrorism, or other illegal activity are detected, 4ange will take the following actions:

1. The operation is suspended immediately.
2. The account is blocked until the investigation is completed.
3. An internal suspicious transaction report (SAR/STR) is generated.
4. If necessary, information is transferred to the competent authorities (Rosfinmonitoring, FinCEN, EU FIU, etc.).

The client"s refusal to verify or provide data is grounds for termination of service.

Refund fee for AML cases:

* Commission size: up to 5% of the blocked amount.

* Maximum limit: no more than $100 equivalent.

* Refunds are not possible if assets are found to be related to illegal activity or are subject to seizure at the request of authorities.

* For bona fide clients whose funds are not related to money laundering (after KYC/SoF verification), the commission is limited to the network fee only.

 

7. Data security and internal control

Working with third parties:

* Cooperation with platforms from jurisdictions with weak AML regulations is prohibited.

* All counterparties (exchanges, processors, API partners) undergo due diligence.

* Partners are required to have licenses and comply with international AML standards.

 

Protection and storage of information:

* Data is encrypted to industry-leading standards.

* Storage takes place on secure servers in GDPR and MiCA compliant jurisdictions.

*Access restricted to authorized personnel only.

* Data retention period: at least 5 years after termination of the relationship with the client (unless otherwise provided by law).

 

Internal control:

* A responsible AML officer has been appointed.

* Mandatory training of employees is conducted at least once a year.

* Internal audits are carried out quarterly (if necessary, with the involvement of independent consultants).

 

8. Final Provisions

This Policy is part of the 4ange User Agreement. The Service reserves the right to make changes unilaterally by notifying users through the website. Use of 4ange services constitutes automatic acceptance of the terms of this AML Policy.

 

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Appendix No. 1

List of prohibited jurisdictions (high AML risk)

Prohibited services to residents and transactions related to the following territories:

* Afghanistan

* Iran

* North Korea

* Syria

* Yemen

* Libya

* Somalia

* Cuba

* Crimea

* Transnistria

* Venezuela

* Myanmar (Burma)

 

All territories included in the FATF, OFAC, EU and UN lists at the time of the operation are also prohibited.

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Contact information for security inquiries:

* Report suspicious activity: support@4ange.com

* Responsible AML officer: support@4ange.com

Effective Date: January 11 , 2026

© 4ange, 2026 .