AML Policy
Last updated: March 2, 2026
Overview
Zypher is committed to preventing the use of our platform for money laundering, terrorism financing, and other illicit activities. While we do not require identity verification, we employ advanced on-chain analytics and risk scoring to detect and prevent suspicious transactions.
Risk Assessment
Every transaction undergoes automated risk scoring using blockchain analytics. We assess factors including: source of funds history, interaction with known sanctioned addresses, mixer/tumbler usage patterns, and transaction velocity anomalies.
Transparent AML Checks
Unlike other platforms that silently freeze funds, Zypher takes a transparent approach. If a transaction triggers our risk thresholds, we inform you upfront before processing. No surprise freezes, no hidden holds.
Sanctions Compliance
We screen all wallet addresses against OFAC SDN, EU sanctions lists, and other international sanctions databases. Transactions involving sanctioned entities are automatically blocked.
Transaction Limits
We may apply dynamic transaction limits based on risk scoring. High-risk transactions may be subject to additional review or rejection. These limits exist to protect the platform and its users.
Cooperation with Authorities
We comply with valid legal requests from law enforcement in our operating jurisdiction. We maintain minimal records, and any data we do hold may be disclosed pursuant to a lawful court order.
Prohibited Jurisdictions
Zypher does not provide services to users in jurisdictions subject to comprehensive sanctions (including but not limited to: North Korea, Iran, Syria, Cuba, and the Crimea, Donetsk, and Luhansk regions).