1. Financial-crime commitment
DOYOS applies controls intended to prevent its services from being used for money laundering, terrorism financing, sanctions evasion, fraud, corruption or other financial crime.
Controls are risk-based and may exceed the minimum information requested during initial registration.
2. Customer identification
Clients and relevant beneficial owners must provide accurate identity, address, tax and contact information. Documents can be electronically verified, checked against databases or reviewed manually.
Corporate accounts can require incorporation, ownership, director, signatory and business-activity documents.
3. Screening and risk assessment
DOYOS can screen clients, owners, counterparties and transactions against sanctions, politically exposed person, adverse-media and other risk sources. Country, occupation, business activity, product use and transaction pattern can affect the risk rating.
4. Source of funds and wealth
Evidence can be requested to understand where account money came from and how overall wealth was accumulated. Examples include bank statements, employment income, business records, investment statements, property documents or inheritance records.
5. Ongoing monitoring
Account, payment and trading activity may be monitored for consistency with the client profile and expected use. Unusual size, speed, source, destination, layering, third-party payment or rapid deposit-withdrawal activity can lead to review.
6. Payment ownership
Deposits and withdrawals should normally involve an account held in the verified client’s name. Return-to-source rules, payment verification and withdrawal holds can apply. Cryptocurrency addresses and transaction history may be screened.
7. Requests and restrictions
DOYOS can request updated documents, explanations or evidence; restrict services; delay a transaction; reject funds; close an account; or report information where required by law or policy. The company may be prohibited from explaining certain reporting or investigation steps.
8. Records and cooperation
Identity, account, transaction and communication records are retained for required periods. Clients must provide truthful information and respond to reasonable requests. False, altered or misleading documents can lead to rejection or account termination.
9. Reporting concerns
Suspected fraud, impersonation or misuse can be reported to abuse@doyos.com. Compliance questions can be sent to compliance@doyos.com.