AML & KYC policy

FortuneX does not knowingly facilitate money laundering, terrorist financing, sanctions evasion or any other financial crime. We apply identity verification, ongoing monitoring and record-keeping proportionate to the risk a member presents, and we cooperate with lawful requests from competent authorities.

Members are asked to provide:

• A government-issued photographic identity document.
• A selfie holding that document, so the person and the document can be matched.
• Where risk requires it, proof of address dated within the last three months.

Submissions are reviewed by a named operator holding the compliance capability. A decision — approval or rejection with a reason — is recorded against the submission and cannot be amended silently afterwards. A rejected member may correct the problem and submit again; earlier attempts are retained.

Verification may be required before a withdrawal is processed, and may be requested at any time where activity or risk indicators warrant it. Withdrawals are normally processed within 48 hours; a request awaiting verification will take longer, and we will tell you what is outstanding.

We monitor for patterns that commonly indicate abuse, including:

• Deposits and withdrawals inconsistent with a member's stated profile.
• Attempts to operate multiple accounts, or to register on another person's behalf.
• Rapid movement of funds in and out without a corresponding economic purpose.
• Payout addresses shared across otherwise unrelated accounts.

We do not accept members who are subject to applicable sanctions, and we may decline or restrict service where local law prohibits it or where we cannot satisfy our obligations. Members must not use the platform where doing so would breach the law that applies to them.

Where we are required to report suspicious activity, we will do so. Law may prevent us from telling you that a report has been made. Identity records, transaction history and the reasoning behind compliance decisions are retained for the period required by law — typically five years from the closure of an account.

Where verification fails, is refused, or where we reasonably suspect financial crime, we may suspend account activity, decline a withdrawal, or close the account. We take these steps only where we have grounds, and the reason is recorded. If you believe a decision about your account is wrong, tell us — a person will review it.