AML and KYC Policy

Last updated: 7 November 2026

AngelPay does not allow its service to be used for money laundering, terrorist financing, fraud or any other crime. This policy explains the checks we make and what we may ask of you.

1. Who we are and who we deal with

• We only serve adults who can show who they are.
• We pay rupees only to a bank account or UPI ID that belongs to you, the account holder. We do not pay third parties.
• One person may hold one account.

2. Know your customer (KYC)

New accounts may need to be verified before you can sell. We may ask for:

• proof of identity and address,
• proof that the bank account or UPI ID is yours,
• details of where your funds come from (source of funds), and
• more information if an order is large or unusual.

We may repeat these checks later. Until we have what we asked for, we may hold your orders or limit your account.

3. How we watch transactions

We review deposits, sales and withdrawals for unusual patterns, such as sudden large amounts, many accounts using the same bank details, deposits from addresses linked to crime or sanctions, or payments that do not fit your usual activity. We keep a record of balance changes and of what our staff do to accounts.

4. What we may do

• Ask questions and request documents.
• Delay, hold, refuse or reverse an order while we check it.
• Close an account that breaks our rules or that we cannot verify.
• Report suspicious activity to the authorities and follow their instructions, without telling you where the law does not allow us to.

5. What you agree to

• Give us true information and keep it up to date.
• Use only funds that are lawfully yours.
• Not use AngelPay to hide the source of money or to move money for someone else.
• Answer our requests quickly. Delays can delay your payout.

6. Records

We keep identity, order and payment records for the period required by law, even after an account is closed. See our Privacy Policy for how this information is protected.

7. Contact

If you have a question about a verification request, email support@angelpay.live. Never send documents to anyone who is not using this address.