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Important Notice
By using Wealtii's services, you agree to complete identity verification as required by your account level and to comply with the transaction monitoring and reporting obligations described in this Policy. Our verification process is quick and straightforward — most users complete it in minutes. For questions, contact support@wealtii.com.
1.1
About This Policy
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This Anti-Money Laundering and Know Your Customer Policy ("AML/KYC Policy") describes how Wealtii ("Wealtii", "we", "us", "our") works to prevent money laundering, fraud, and other financial crimes on our platform. We believe that strong security and clear identity verification protect everyone, from individual investors to the broader financial system. This Policy applies to all users who create an account, make transactions, or interact with Wealtii's services in any way. It should be read alongside our Terms of Service and Privacy Policy.
1.2
Why This Matters
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Protecting your investments starts with knowing who's on the platform. Our AML/KYC program is designed to: (a) verify that every user is who they say they are; (b) prevent bad actors from using the platform for illicit purposes; (c) monitor transactions for unusual patterns; (d) maintain complete records for transparency and accountability; and (e) cooperate with authorities when required by law. These measures create a safer environment for everyone and help build the trust that makes crypto investing more accessible.
1.3
Our Approach
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Wealtii voluntarily follows internationally recognized AML/KYC standards and best practices, including the Financial Action Task Force (FATF) recommendations. We take a risk-based approach, meaning we apply verification measures proportionate to the level of risk. Straightforward accounts require standard verification, while larger or more complex activity may require additional documentation. Wealtii is currently in an early operational phase and is not yet legally regulated. As we grow, we are actively working toward formal regulatory registration and licensing in appropriate jurisdictions. Even before that process is complete, we hold ourselves to the same high standards that regulated platforms follow.
1.4
Policy Updates & Your Cooperation
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We review and update this Policy periodically to reflect evolving standards, new capabilities, and user feedback. When we make material changes, we'll notify you through the platform or via email. Continuing to use Wealtii after updates means you accept the revised Policy. By using our services, you agree to: (a) provide accurate, truthful information during registration and verification; (b) cooperate with our verification procedures and provide requested documentation promptly; (c) notify us of material changes to your personal information; (d) use the platform only for lawful purposes; and (e) consent to ongoing monitoring of your account activity.
2.1
Why We Verify Your Identity
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Know Your Customer (KYC) is the process of verifying that you are who you say you are. It's a standard practice across the financial industry, and it serves several important purposes: (a) it prevents fraud and identity theft, keeping your account safe; (b) it stops criminals from misusing the platform; (c) it enables us to detect suspicious transaction patterns; and (d) it builds trust in the Wealtii community. Think of KYC as the lock on the front door. It's there to protect everyone inside.
2.2
When KYC Is Required
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All users must complete at least Basic Verification to access core features like depositing, purchasing index fund units, selling, and withdrawing. There are no anonymous accounts on Wealtii. You can create an account with just your email, but you'll need to complete verification before using financial features. KYC isn't a one-time event. We may ask for updated documents periodically, especially if your account activity changes significantly or if your documents expire. This keeps everything current and your account secure.
2.3
How Verification Works
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Our verification process is straightforward. You submit your documents through your account dashboard, and our compliance team reviews them manually. We examine each submission for clarity, authenticity, and consistency with the information you provided during registration. For levels that require a selfie, our team compares your photo against the ID document to confirm you're the rightful owner. All documents are stored securely with encryption. The entire process is designed to be fast and simple. Most users complete their submission in just a few minutes.
2.4
Accepted Identity Documents
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We accept the following government-issued documents for identity verification:
Primary Identification (Photo ID):
• Passport: valid and unexpired, from any recognized country
• National Identity Card: government-issued with photo
• Driver's License: government-issued with photo
Proof of Address (for Advanced Verification):
• Utility bill (electricity, water, gas, internet): issued within the last 3 months
• Bank statement from a recognized financial institution: issued within the last 3 months
• Official government correspondence: issued within the last 3 months
All documents must be clear, legible, in color, and show the complete document without cropping or editing. The name on your documents must match your account registration. We may request alternative documentation if the initial submission doesn't meet our quality standards.
3.1
How Our Tier System Works
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Wealtii uses a three-tier verification system that lets you start investing quickly and unlock higher limits as you verify more. Everyone begins at Basic and can upgrade at any time through their account dashboard. Higher tiers require additional documents but unlock significantly higher transaction limits. The system is designed so you can get started right away and upgrade only when you need to.
3.2
Basic Verification (Level 1)
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Basic Verification is the fastest way to get started. You just need a verified email address and acceptance of our Terms of Service and this Policy.
What you can do with Basic Verification:
• Deposit USDT into your account
• Purchase index fund units
• Sell index fund positions
• Withdraw USDT to your wallet
• View your portfolio, transaction history, and market data
• Contact customer support
Transaction limits (lifetime aggregate per category):
• Deposits: Up to $10,000 USD equivalent
• Purchases: Up to $10,000 USD equivalent
• Sales: Up to $10,000 USD equivalent
• Withdrawals: Up to $10,000 USD equivalent
Each category (deposits, purchases, sales, withdrawals) is tracked separately. This means you could deposit up to $10,000 AND purchase up to $10,000. The limits don't combine across categories. When you're ready for higher limits, upgrading to Intermediate or Advanced is quick and easy.
3.3
Intermediate Verification (Level 2)
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Intermediate Verification gives you 10x higher limits with just two additional documents.
What you need:
• A government-issued ID: National ID Card or Driver's License
• A selfie holding your ID document
Transaction limits (per 24-hour rolling period, per category):
• Deposits: Up to $100,000 USD equivalent per day
• Purchases: Up to $100,000 USD equivalent per day
• Sales: Up to $100,000 USD equivalent per day
• Withdrawals: Up to $100,000 USD equivalent per day
Intermediate Verification is ideal for active investors who want significantly higher daily limits. Review typically takes 24 to 48 hours.
3.4
Advanced Verification (Level 3)
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Advanced Verification removes all transaction limits, giving you complete freedom to invest at any scale.
What you need:
• A valid, unexpired passport
• Proof of residential address (utility bill, bank statement, or government letter dated within the last 3 months)
Transaction limits:
• Deposits: Unlimited
• Purchases: Unlimited
• Sales: Unlimited
• Withdrawals: Unlimited
Advanced Verification is recommended for serious investors, high-value portfolios, and anyone who wants the full Wealtii experience without any caps. Review typically takes 1 to 3 business days. If your verification is denied at any level, we'll notify you by email with a general reason. You can appeal within 30 days by submitting additional documentation or addressing the concerns identified.
4.1
What Is Enhanced Due Diligence?
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Enhanced Due Diligence (EDD) is additional verification that may be required for certain accounts or transactions that present higher risk. EDD is not a sign of wrongdoing. It's a standard practice across the financial industry. It simply means we need to learn a bit more about you or a specific transaction before proceeding. The vast majority of users will never encounter EDD, but it's important for us to have these processes in place to protect the platform and our entire user community.
4.2
When EDD May Apply
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We may apply Enhanced Due Diligence in situations such as:
• Transactions that are unusually large or frequent relative to your account profile
• Accounts with connections to jurisdictions identified as higher risk by international bodies like the FATF
• Situations where the source of funds cannot be easily explained or verified
• Transaction patterns that are inconsistent with your stated profile or typical activity
• Accounts flagged by our monitoring systems for further review
• Requests for transaction limits significantly above standard thresholds
• Customers who hold or have held prominent public positions (Politically Exposed Persons)
If EDD applies to you, we'll reach out with clear instructions on what additional information or documentation we need. We aim to make the process as smooth as possible.
4.3
What You May Be Asked to Provide
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If Enhanced Due Diligence is required, you may be asked to provide some or all of the following:
Source of Funds Documentation:
• Bank statements showing where your deposited funds originate
• Employment verification or proof of income
• Documentation of asset sales, investments, or inheritance
• Any other evidence demonstrating the lawful origin of your assets
Additional Identity Verification:
• Additional identity documents beyond what your current level requires
• More detailed personal background information
Ongoing Requirements:
• Periodic updates to your documentation
• Explanations for specific transactions when requested
Providing clear, complete documentation upfront helps speed up the review. If you're unable to provide requested EDD documentation within the timeframe given, your account may be temporarily restricted until the review is complete. EDD decisions require approval from senior compliance personnel, and all decisions are documented.
5.1
How We Monitor Activity
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Wealtii monitors all platform activity to detect potential misuse and protect our users. Our monitoring combines platform-level controls, such as transaction limits, rate limiting, and cumulative threshold enforcement, with manual review by our compliance team when transactions are flagged. We track both individual transactions and aggregated activity over rolling time periods. This monitoring runs continuously and is a standard condition of using the platform. It's designed to catch bad actors while staying completely invisible to legitimate users going about their normal investing.
5.2
What We Look For
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While we don't disclose our specific detection rules (to prevent circumvention), our monitoring is designed to identify patterns such as:
• Transaction volumes or frequency inconsistent with a user's profile
• Rapid movement of funds in and out of accounts with no clear purpose
• Attempts to split large transactions into smaller ones to stay below thresholds (known as "structuring")
• Sudden changes in account behavior after periods of inactivity
• Activity involving known high-risk indicators
• Transactions that appear inconsistent with a user's stated occupation or source of funds
When our systems flag something, our compliance team investigates. In most cases, there's a perfectly reasonable explanation and no action is needed. If we need additional information from you, we'll reach out directly. We also review deposit sources and withdrawal destinations for indicators of high-risk activity as part of our standard compliance procedures.
5.3
Transaction Limits & Controls
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Transaction limits are enforced based on your verification level (see Section 3). Key things to know:
• Limits are tracked per action category — deposits, purchases, sales, and withdrawals are counted separately
• Basic limits are lifetime aggregates; Intermediate limits reset every 24 hours
• Advanced-verified users have no transaction limits
• Attempting to exceed your limits will result in the transaction being declined
• Deliberately structuring transactions to avoid limits is prohibited and may result in account termination
• We may apply additional controls to accounts flagged for higher risk
If you need higher limits, the fastest path is upgrading your verification level through your account dashboard. For special circumstances, contact support@wealtii.com and we'll work with you.
6.1
Our Reporting Obligations
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When we detect activity that may indicate money laundering, fraud, or other financial crimes, we are committed to reporting it to the appropriate authorities through Suspicious Activity Reports (SARs). A SAR may be filed when a transaction has no apparent lawful purpose, involves suspected proceeds of crime, appears designed to evade legal requirements, or shows patterns consistent with known financial crime methods. SAR filing is a critical part of the global fight against financial crime, and Wealtii takes this responsibility seriously. We may file SARs even for relatively small amounts if the circumstances suggest suspicious intent.
6.2
Confidentiality of Reports
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SAR filings are strictly confidential. It is a legal requirement in most jurisdictions that we do not inform customers or any other party that a SAR has been filed, is being prepared, or that an account is under investigation. This "no tipping off" rule exists to protect the integrity of law enforcement investigations. If your account experiences restrictions or delays related to a compliance review, we may not be able to provide specific reasons. This isn't meant to cause frustration. It's a legal obligation we must follow. Our team handles all compliance matters with discretion and professionalism. Filing a SAR does not automatically mean your account will be closed. In many cases, the relationship continues with enhanced monitoring.
6.3
Common Red Flags
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We train our team to recognize indicators that may warrant further investigation. While the presence of any single indicator doesn't automatically mean suspicious activity, examples include:
Account & Behavior Indicators:
• Providing false or inconsistent information during verification
• Reluctance to answer questions about transaction purposes or source of funds
• Frequent changes to personal details without clear reason
• No apparent legitimate reason for using the platform
• Appearing to act on behalf of an undisclosed third party
Transaction Indicators:
• Activity inconsistent with stated occupation or income
• Sudden large increases in transaction volume without explanation
• Transactions structured just below reporting thresholds
• Rapid fund movements in and out with no clear business purpose
• Circular transactions or round-tripping of funds
If you notice anything suspicious about another user's activity, you can report it to support@wealtii.com. We take all reports seriously and investigate promptly.
7.1
Sanctions Compliance
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Wealtii is committed to compliance with international economic sanctions programs. We do not knowingly provide services to individuals, entities, or residents of jurisdictions subject to comprehensive sanctions. Our compliance procedures include jurisdictional restrictions during registration, manual review of customer information against publicly available sanctions lists, and ongoing monitoring of sanctions program updates. As the platform matures, we plan to implement additional screening capabilities to further strengthen our compliance infrastructure.
7.2
Restricted Jurisdictions
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As part of our compliance obligations, Wealtii restricts access from jurisdictions subject to comprehensive international sanctions, including but not limited to:
• Cuba
• Iran
• North Korea (DPRK)
• Syria
• Crimea, Donetsk, and Luhansk regions of Ukraine
Additional jurisdictions may be restricted based on updates from the United Nations, European Union, United States (OFAC), United Kingdom, and other sanctions authorities. We also apply enhanced scrutiny to users from jurisdictions identified by the FATF as having strategic deficiencies in their anti-money-laundering frameworks. The list of restricted jurisdictions changes as international sanctions evolve. If your jurisdiction becomes restricted after you've opened an account, you will be given the opportunity to withdraw your funds before access limitations take effect, unless prohibited by law.
7.3
Consequences of Sanctions Violations
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Sanctions violations are taken very seriously worldwide and can result in severe penalties including substantial fines and criminal prosecution for both individuals and institutions. Any user who attempts to access Wealtii from a sanctioned jurisdiction, misrepresents their location or identity to evade restrictions, or facilitates transactions on behalf of sanctioned parties will have their account immediately terminated and any assets frozen. We will report confirmed violations to the relevant authorities and cooperate fully with any resulting investigations. If you're unsure whether your jurisdiction is restricted, please contact support@wealtii.com before creating an account.
8.1
What We Keep & Why
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Maintaining thorough records is both a legal requirement and a fundamental part of platform security. Wealtii keeps records of:
• Account registration information and verification documents
• All transaction records (deposits, purchases, sales, withdrawals) with timestamps and amounts
• Compliance documentation including review notes and verification decisions
• Communication records related to compliance inquiries
• Audit logs tracking account activity
These records enable us to support regulatory inquiries, protect users in the event of disputes, reconstruct transaction histories when needed, and maintain a complete audit trail. All records are stored in secure systems with strict access controls — only authorized compliance personnel can access them.
8.2
Retention Period
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Following industry standards aligned with the Financial Action Task Force (FATF) recommendations, Wealtii retains AML/KYC records for a minimum of seven (7) years from the date of the transaction or the date your account is closed, whichever is later. This retention period applies to identification documents, transaction records, and compliance documentation. After the retention period expires, records are securely destroyed. Account closure does not trigger immediate deletion of your data. The seven-year period begins at closure. This isn't about keeping data longer than necessary; it's about meeting the standards that protect both you and the platform.
8.3
Data Security & Access
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Your compliance records are protected by multiple security layers:
• Encryption at rest and in transit using industry-standard protocols
• Role-based access controls: only authorized personnel can view compliance records
• Multi-factor authentication for access to sensitive systems
• Comprehensive audit logging of all data access
• Secure backup and disaster recovery procedures
Records may be shared with law enforcement, financial regulators, or other government authorities when required by law, court order, or in connection with financial crime investigations. We comply with such requests promptly and cooperate fully with legitimate inquiries. For more details on how we protect your personal information, please refer to our Privacy Policy.
9.1
Our Compliance Team
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Wealtii has designated compliance personnel responsible for overseeing the implementation and effectiveness of our AML/KYC program. Their responsibilities include managing customer verification processes, investigating flagged activity, making reporting decisions, maintaining and updating this Policy, and coordinating with authorities when required. Our compliance team operates independently and has the authority to restrict accounts, decline transactions, or terminate relationships when necessary to protect the platform and its users. For compliance inquiries, contact support@wealtii.com.
9.2
Continuous Improvement
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Our AML/KYC program is not static — it evolves as we grow. We continuously refine our processes based on:
• Regulatory guidance and industry standard updates
• Lessons learned from our monitoring and investigations
• Advances in verification and compliance technology
• User feedback and operational experience
• Changes in the financial crime threat landscape
As Wealtii scales, we plan to introduce enhanced capabilities including more sophisticated monitoring systems, expanded screening tools, and formal independent auditing of our compliance program. We're building these capabilities step by step, maintaining high standards at every stage of growth.
9.3
Risk-Based Program
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Our compliance program is built on a risk-based foundation, as recommended by the FATF. This means we tailor our verification requirements, monitoring intensity, and review frequency based on the level of risk presented by each customer, transaction type, and jurisdiction. Risk factors we consider include:
• Geographic location and jurisdictional risk
• Transaction volumes and patterns
• Verification level and documentation quality
• Source of funds clarity
• Any adverse information identified during review
This approach lets us allocate compliance resources efficiently. Standard accounts experience a smooth, fast process, while higher-risk situations receive the additional attention they require. The goal is maximum security with minimum friction for the vast majority of users.
10.1
Your Obligations
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By using Wealtii, you agree to:
• Provide truthful, accurate, and complete information during registration and verification
• Cooperate with KYC and Enhanced Due Diligence requests and provide documentation within requested timeframes
• Notify us promptly of any material changes to your personal information
• Use the platform only for lawful purposes, never for money laundering, fraud, sanctions evasion, or any other financial crime
• Not attempt to circumvent verification requirements, transaction limits, or monitoring controls
• Respond to inquiries from our compliance team when asked about specific transactions
• Consent to ongoing monitoring of your account activity
Failure to meet these obligations may result in account restrictions, transaction holds, or permanent account closure. In cases of suspected financial crime, assets may be frozen and the matter reported to authorities.
10.2
Your Rights
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While AML/KYC regulations require us to collect and retain certain personal data, you have rights regarding your information under applicable data protection laws:
• Right to Access: You can request a copy of the personal information we hold about you
• Right to Correction: If your information is inaccurate or incomplete, you can request corrections
• Right to Data Portability: You can request your data in a portable, machine-readable format
Important limitations: The right to deletion (erasure) is limited by our legal obligation to retain AML/KYC records for seven years. We cannot delete records required for regulatory compliance, even after your account is closed. During ongoing investigations, records may be subject to legal hold and cannot be modified or deleted. For data-related requests, contact support@wealtii.com with verification of your identity. See our Privacy Policy for additional details.
10.3
Account Restrictions & Termination
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Wealtii may restrict or terminate accounts when:
• Verification is incomplete or documentation doesn't meet quality standards
• Enhanced Due Diligence review is in progress
• Suspicious activity has been flagged for investigation
• A potential sanctions match is identified
• Law enforcement or regulatory authorities request it
• The user violates our Terms of Service or this Policy
• The user provides false, fraudulent, or misleading information
In most termination scenarios, you'll have the opportunity to withdraw your funds before the account is permanently closed. However, in cases involving suspected crimes, sanctions violations, or law enforcement requests, assets may be frozen pending investigation or legal proceedings. If you believe your account has been restricted in error, contact support@wealtii.com, though we may not be able to share specific details if confidentiality requirements apply.
10.4
Early-Stage Operations Disclosure
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Transparency is one of our core values. Here's what you should know about where Wealtii stands today:
• Wealtii is in its early operational stage and is actively working toward formalizing its legal entity structure and obtaining appropriate regulatory registrations.
• We have not yet obtained formal financial services licenses or registrations. We are pursuing these as the platform matures.
• Our AML/KYC program is voluntarily implemented based on international standards (FATF recommendations and industry best practices), not because a regulator currently requires it, but because it's the right thing to do.
• All transactions on the platform are conducted in USDT (a digital asset). We do not handle fiat currency.
• We intend to obtain the appropriate registrations and licenses in suitable jurisdictions as part of our growth plan.
Despite our early-stage status, our commitment to financial crime prevention is absolute. We implement the same rigorous verification, monitoring, and reporting practices that established platforms use. We believe building strong compliance foundations from day one is essential, not just for future regulatory reasons, but because our users deserve to invest on a platform they can trust.
11.1
Contact Our Team
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For questions about verification, compliance, or anything related to this Policy:
Email: support@wealtii.com
What to include in your message:
• Your full name and account email address
• A clear description of your question or concern
• Any relevant documentation or supporting information
We aim to respond to compliance inquiries within 2 to 3 business days. Complex matters may require additional time for thorough investigation.
We can help with:
• KYC verification questions and document requirements
• Understanding your verification level and transaction limits
• Guidance on Enhanced Due Diligence requests
• General questions about our AML/KYC policies
• Data access or correction requests (subject to legal limitations)
Due to confidentiality requirements, we cannot discuss details of ongoing investigations, SAR filings, or the specific reasons behind certain account restrictions.
11.2
Reporting Suspicious Activity
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If you suspect that someone is misusing Wealtii for money laundering, fraud, or other financial crimes, please report it immediately:
Email: support@wealtii.com
Include as much detail as possible: what you observed, when it happened, any users or transactions involved (if known), and any supporting information. All reports are taken seriously and investigated promptly. We maintain confidentiality for all reporters and accept anonymous reports. You may also report suspected financial crimes directly to law enforcement or financial crime authorities in your jurisdiction.
11.3
Policy Version
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This AML/KYC Policy is effective as of June 20, 2026.
Policy Version: 1.0.0
Last Updated: June 20, 2026
Changes to this Policy will be posted on the platform and communicated via email when material. Continued use of Wealtii after updates constitutes acceptance of the revised Policy. For questions about specific provisions or previous versions, contact support@wealtii.com.
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Frequently Asked Questions
Quick answers about verification and compliance
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Related Legal Documents
Important documents you should review
📜Terms of Service
Complete terms governing your use of the Platform
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🔐Privacy Policy
How we collect, use, and protect your personal data
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🏛️AML/KYC Policy
Anti-money laundering and identity verification
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⚠️Risk Disclosure
Comprehensive disclosure of investment risks
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💰Fee Schedule
Complete breakdown of all applicable fees
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🗺️Platform Roadmap
Our future plans, upcoming features, and strategic direction
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🔍Transparency
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ℹ️About Us
Our mission, vision, and the team behind Wealtii
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⚙️How It Works
Step-by-step guide to using the Wealtii platform
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🛡️Security
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📚Learn
Educational resources on crypto investing and index funds
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🖥️System Status
Real-time status of all platform services and infrastructure
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