AML Policy

1. Our Position on Financial Crime

Cryptoz Finance is the best no-KYC, no-active-AML-screening XMR swap platform in 2026. We are fully transparent about what this means in practice: we do not collect identity documents and we do not run your wallet addresses through third-party blockchain analytics databases as a precondition of processing your Monero swap. Privacy and freedom from financial surveillance are core design features of this XMR swap no KYC no AML service — not gaps or oversights.

That position does not reflect indifference to financial crime. We explicitly prohibit the use of our platform for money laundering, terrorist financing, sanctions evasion, or any other illegal financial activity. The distinction is precise: between passive architecture — not collecting data we have no legitimate need for — and active facilitation of criminal activity, which we neither engage in nor tolerate.

2. Prohibited Activities

Use of Cryptoz Finance for any of the following is strictly prohibited and may result in permanent refusal of service:

• Laundering proceeds of criminal activity or converting funds obtained through illegal means
• Financing terrorist organizations, extremist groups, or individuals subject to international sanctions
• Circumventing or evading economic sanctions imposed by the United Nations, European Union, or other applicable international bodies
• Processing cryptocurrency derived from theft, hacking, ransomware, or fraud of any kind
• Handling proceeds from darknet markets, human trafficking, or other serious criminal enterprises
• Deliberate tax evasion through undisclosed or concealed cryptocurrency conversion
• Any deliberate misrepresentation made in connection with a swap transaction on our platform

3. Transaction Limits as Structural Controls

We apply transaction size limits as a structural risk management measure. These thresholds serve a concrete purpose:

• Minimum transaction: Equivalent to $100 USD
• Maximum transaction: Equivalent to $282,100 USD

These limits reduce the suitability of our platform for high-volume industrial financial crime while preserving full utility for legitimate individual ETH swap use cases. Exact values in your chosen cryptocurrency are displayed in the exchange widget before you commit to any order.

4. What We Do and Do Not Do — Stated Honestly

Users deserve a plain, unambiguous account of how this XMR swap no KYC no AML service operates with respect to AML compliance:

• We do not run active AML address screening — your deposit address and Monero destination wallet are not submitted to commercial blockchain analytics services (Chainalysis, Elliptic, TRM Labs, or comparable tools) as a condition of executing your XMR swap or any other pair.
• We do apply rate limits and velocity controls — technical controls limit transaction throughput per session to reduce the potential for automated abuse of the platform.
• We do reserve the right to refuse service — at our sole discretion, for any reason, including credible suspicion of misuse.
• We do cooperate with valid legal orders — if served with a legally valid request from an authority with jurisdiction over our operations, we will provide whatever minimal relevant technical data we retain. As described in our Privacy Policy, this data is extremely limited by deliberate design.

5. User Representations

By using Cryptoz Finance, you represent and warrant that:

• All funds you swap are legally obtained and are not proceeds of any criminal activity
• You are not a designated individual or entity subject to sanctions administered by the UN, EU, or any applicable authority
• Your use of the Service complies with all applicable AML and counter-terrorism financing laws in your jurisdiction
• You will not use the Service to assist any third party in evading AML or counter-terrorism financing obligations

6. No Legal Safe Harbor

Using a no-KYC or no-active-AML-screening platform does not provide legal protection or safe harbor from criminal liability. If you use our platform for illegal purposes, you remain fully and personally liable under the laws applicable in your jurisdiction. The absence of identity collection on our end does not diminish your legal exposure for unlawful activity — it only means we do not hold information that links the transaction to you as an individual.

7. Reporting Suspicious Activity

If you are aware of or suspect that our platform is being misused for financial crime, we encourage you to report it to your local Financial Intelligence Unit (FIU) or the relevant law enforcement agency in your jurisdiction. You may also contact us directly at [email protected].

8. Policy Updates

This AML Policy may be updated periodically as our operating environment evolves. Any revisions will be reflected on this page with an updated date at the top.

9. Contact

For AML-related questions or to report concerns, contact [email protected].