KYC & AML Policy

In practice, KYC at Skellig Capithorn means we collect and confirm a small set of basic facts about you: your full legal name, your date of birth, your country of residence, your contact details and the payment method you intend to use. We compare the details you typed into the sign-up form with the details shown on the documents you upload.

What we do not do

We will not request your internet banking credentials, complete card PIN, or device access permissions. Our personnel will never ask for these details. Any communication seeking such information is not legitimate and should be reported via the abuse reporting mechanism.

• Give accurate, current and complete information, and keep it up to date.
• Use only your own funds and your own payment instruments - never someone else's.
• Maintain a single account and safeguard your login details.
• Reply to verification requests by the deadline specified in the communication.
• Tell us promptly if you change country of residence, legal name or payment method.
• Report any suspected unauthorised access to your account immediately.

Submission of counterfeit or modified documents is a critical violation. It results in account termination and, where required by legislation, disclosure to the applicable regulator.

Should a determination be ambiguous, reach out to our support team to request clarification. Where permitted by applicable law, we will furnish an explanation.

AML obligations extend beyond a single identity verification event. They encompass account risk categorization, sanctions and PEP screening, thresholds on atypical transaction patterns, documentation retention, internal flagging of concerning transactions and, where applicable legislation mandates it, notification to the relevant regulatory body.

In instances where AML obligations and customer requests are incompatible, AML obligations prevail. This may result in transaction postponement, a demand for supplementary information, or account limitations until resolution is achieved.

1. 01

   Legal obligation

   Services that hold or transmit client funds are generally required to identify their clients before providing the service. This is not optional and applies to every account without exception.

2. 02

   Protecting your money

   Verification ties an account to one identifiable owner. It makes account takeover far harder, and it means withdrawals can only be sent back to a payment method proven to belong to you.

3. 03

   Keeping the platform clean

   Screening keeps sanctioned parties and anonymous shell activity off the platform, which protects every other client using it.

4. 04

   Faster payouts later

   An account established following initial verification does not require interruption for additional checks during withdrawal processing, which is when such interruptions cause maximum inconvenience.

Review times depend on volume, on the quality of the uploads and on whether any additional screening is triggered. The processing window that applies to your account, together with the current status of each document, is shown in your account area - that published figure is the one to rely on, not any figure quoted elsewhere.

• Legible, thorough, unaltered document submissions are processed with greatest speed.
• Applications received after business hours are queued for processing on the following business day.
• Supplementary screening, where mandated, requires additional processing time and will be communicated to you.

1. Identity document

A government-issued document that shows your photograph, full name, date of birth, document number and expiry date. Commonly accepted types are a passport, a national identity card, or a driving licence where it is issued as a photographic identity document. The document must be valid and not expired.

2. Proof of address

A current document, typically dated within the preceding months, displaying your name and residential location as registered with your account. Common examples include utility bills, financial institution or card statements, local government assessments or notices, or correspondence from a government agency. Commercial mailbox addresses and addresses in another party's name are not permitted.

3. Proof of payment method

Documentation confirming your ownership of the payment method. For a credit or debit card, this typically comprises a photograph displaying your name, the initial six and terminal four digits and validity period, with intervening digits and CVV concealed.

For a bank transfer, this means a bank statement or account verification document in your name containing the account number. For a digital payment platform, a profile screenshot showing your name and the platform account reference.

Formats and file size

Upload limits, accepted file types and any additional document requests are shown in the verification area of your account. Documents in a language other than the account language may require a translation; the compliance team will tell you if that applies.

1. 01

   Register

   Create the account with your real legal name, date of birth, country of residence, email and phone number. Details that do not match your documents are the most common cause of delay.

2. 02

   Confirm contact details

   Confirm your email address and, where requested, your phone number. This proves the contact channels belong to you.

3. 03

   Upload your identity document

   Upload the pages that carry your photograph and personal data. Some checks include a short liveness or selfie step to confirm the document belongs to the person holding it.

4. 04

   Upload proof of address

   Upload a recent qualifying document in your name at the address on file.

5. 05

   Confirm the payment method

   Submit documentation of the payment method for deposits and the payment method for withdrawal processing.

6. 06

   Screening and review

   The compliance division assesses the submission, executes required screening for sanctions and risk assessment, and either grants account access or requests amendments.

7. 07

   Confirmation

   You receive a notification once the account status changes. The current status is always visible in the verification area of your account.

What is monitored

Funding and withdrawal patterns, changes of payment instrument, changes of country or contact details, activity that does not match the profile you gave at sign-up, and any activity flagged by our screening tools.

What can happen as a result

• A request for refreshed documents or an explanation of the source of funds.
• A temporary hold on a specific transaction while it is reviewed.
• Modification of the transaction thresholds shown in your account settings.
• Suspension or termination of the account where legislation requires such action.

Records

Identification data and transaction records are retained for the period required by applicable law after the relationship ends, and are handled in line with our Privacy Policy. In specific cases, applicable law prevents us from notifying a customer that we have submitted a report.

Licenses & regulatory information