Introduction

This Anti-Money Laundering (AML) and Know Your Customer (KYC) Policy defines the internal principles of PPCHANGE.COM.UA (the “Service”) in preventing the platform from being used for money laundering, terrorist financing, fraud, or other illegal activities.

The purpose of this policy is to ensure transaction transparency, reduce risks, and comply with international AML/CFT and KYC standards.

Purpose of Internal Regulation

The Service adheres to global best practices in anti-money laundering (AML) and counter-terrorist financing (CFT).
PPCHANGE.COM.UA implements client verification, transaction monitoring, and risk control measures to prevent unlawful use of the platform.

General Provisions

PPCHANGE.COM.UA prohibits users from using the service for:

• money laundering;

• terrorist financing;

• fraudulent activities;

• buying or selling prohibited goods or services.

The administration is not responsible for unlawful actions of third parties but implements all possible technical and legal measures to prevent them.

Core Requirements

To prevent illegal activity:

• The sender and receiver of funds within a single request must be the same person.

• All personal and contact information must be accurate and valid.

• Creating requests using anonymous connections (VPN, Tor, proxies, etc.) is prohibited.

Verification Procedure (KYC)

PPCHANGE.COM.UA may conduct identity verification in the following cases:

• upon request from administration, when limits are exceeded or suspicious activity is detected;

• the client may be asked to provide documents (ID card, passport, bank statement, etc.);

• the Service reserves the right to verify authenticity of all information and documents;

• additional or repeated checks may be conducted at any time.

Identification data is stored according to the Privacy Policy and applicable Ukrainian law.
Refusal to complete verification may result in suspension or denial of service.

AML / KYC Compliance Officer

The appointed officer:

• oversees AML/KYC implementation;

• monitors transactions and reports suspicious activity;

• coordinates with regulatory authorities;

• maintains documentation;

• updates risk assessments and internal policies.

System Control Measures

The Service uses automated tools to detect risk:

• screening against sanction and watch lists (OFAC, FATF, etc.);

• transaction filtering by risk category;

• internal reporting and monitoring;

• detection of repeated or linked operations.

User Behavior Analysis

Beyond document verification, PPCHANGE.COM.UA analyzes client behavior.
If abnormal activity is detected (large volumes, repeated unusual transactions, frequent changes of details), the Service may suspend the operation and request additional information.

Risk-Based Approach

The Service follows a risk-based approach (RBA).
PPCHANGE.COM.UA does not process operations related to:

Rapira, Capitalist, Bitpapa, NetEx24, Commex, Garantex, Tornado Cash, Hydra, Blender.io, Lazarus Group, Genesis Market, ChipMixer, Shinbad.io.

If such links are identified, the Service may request additional verification or proof of funds' legal origin.

Actions in Case of Suspicion

PPCHANGE.COM.UA may:

• suspend the exchange operation;

• request documents verifying identity or source of funds;

• report the activity to authorities if required;

• refuse further service to the user.

Confidentiality

All data collected during verification is confidential.
Access is granted only to authorized personnel.
Disclosure may occur only upon lawful request by authorities.

Conclusion

PPCHANGE.COM.UA applies all technical, organizational, and legal measures to prevent its platform from being misused.
We adhere to the principles of transparency, security, and responsibility, supporting the trust of users and partners.

© PPCHANGE.COM.UA