> ## Documentation Index
> Fetch the complete documentation index at: https://glide-9da73dea.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# KYC and AML

> Continuous sanctions screening, transaction monitoring, and KYC verification on every account.

KYC (Know Your Customer) and AML (Anti-Money Laundering) are the regulatory frameworks that determine who can open an account and what counts as normal vs suspicious activity. Glide's approach: do the work properly so you're not surprised, document it transparently so you understand what we check, and don't add gold-plated friction beyond what regulation requires.

## What we check on opening

For a personal account:

* **Government-issued ID** — passport, driver's license, or national ID.
* **Live selfie** — matched biometrically against the ID photo.
* **Country of residence** — verified against the ID country and any address proof we ask for in higher-tier KYC.
* **Sanctions screening** — your name + DOB + country are checked against global sanctions lists (UN, OFAC, HMT, EU, MAS, HKMA).

For a business account, additionally:

* **KYB on the entity** — legal name, registration number, country of incorporation, regulatory status if applicable.
* **Beneficial owner KYC** — for any individual with >25% ownership.
* **Business activity description** — we use this to set transaction-monitoring baselines (a remittance company has different patterns than a SaaS).

## Tiers of KYC

| Tier           | What's checked                                    | What unlocks                                                 |
| -------------- | ------------------------------------------------- | ------------------------------------------------------------ |
| Crypto-only    | None                                              | Stablecoin deposits and withdrawals up to \$10,000 lifetime  |
| Standard       | ID + selfie + sanctions                           | Fiat deposits, card issuance, full Glide feature set         |
| Enhanced       | Standard + address proof + activity baseline      | Higher per-transaction and monthly limits                    |
| Enhanced + EDD | Enhanced + source-of-funds + relationship manager | Highest tier; for large-volume users or higher-risk activity |

You move up tiers automatically when activity warrants, or on request. Most users sit at Standard indefinitely.

## Continuous sanctions screening

Sanctions screening doesn't stop after onboarding. We re-screen:

* Every counterparty on every outbound payment.
* Every on-chain destination address against the chain-analytics provider's flagged-cluster lists.
* Every account holder periodically against updated sanctions lists.

If a screening hit triggers, the relevant transaction (or, in some cases, the account) pauses pending review. You'll see a clear notice in the dashboard explaining what triggered and what's needed to resolve. Most resolutions are same business day; we don't hold accounts indefinitely without explanation.

## Transaction monitoring

Beyond sanctions, we run **transaction monitoring** — pattern analysis that flags transactions that look unusual against:

* Your account's baseline (declared activity, historical patterns).
* Industry-typical behavior for your business type.
* Known patterns of laundering, fraud, and account-takeover.

A flag is not a block. Most flags resolve into "this is fine, the model didn't recognize it." A small fraction escalate to manual review. An even smaller fraction become regulatory reports filed with the appropriate authority.

## What we report

In some jurisdictions, we're required to report:

* **Threshold reports** — transactions above local-law thresholds (e.g., \$10,000 in cash-equivalent in some jurisdictions).
* **Suspicious activity reports (SARs)** — transactions that meet local-law suspicion criteria.

Filing a SAR doesn't mean you've done something wrong. It means a pattern matched a regulator-defined trigger. We file as required by law and we don't notify you (because the reports are confidential by design, in every jurisdiction).

## What we don't do

* **Don't share your transaction data with adtech, credit bureaus, or commercial counterparties.**
* **Don't sell our anti-fraud signals as a service.**
* **Don't freeze accounts capriciously.** A freeze always has a documented reason and a documented resolution path. You get notified at freeze time with the reason in plain English.
* **Don't deny based on country of birth or nationality.** We deny based on documented compliance criteria (sanctions, country of residence in OFAC-sanctioned territory). Your nationality alone isn't a deny criteria.

## How false positives are handled

Sanctions screening isn't perfect. Common-name false positives (someone shares a name with a sanctioned individual) happen. When they do:

* The transaction holds while we verify identity disambiguation (typically same business day).
* We may ask for a copy of an ID to confirm you're not the sanctioned individual.
* Once confirmed, the transaction releases and the false-positive flag is suppressed for future transactions on the same account.

We track our false-positive rate quarterly and share it in the regulatory snapshot.

## Reporting fraud or unauthorized activity

If you see activity on your account you didn't authorize, report it immediately:

* **In-app** — **Security → Report fraud**. This routes to a dedicated fraud queue.
* **Email** — [security@axtior.com](mailto:security@axtior.com).
* **Phone** — for high-stakes situations, your relationship manager (business accounts) or our 24/7 fraud line (in-app).

Provisional account freeze and credit reversal are typically same-day for clear fraud.

## Next

* [Identity verification](/accounts/identity)
* [Two-factor authentication](/security/two-factor)
* [Data and privacy](/security/data-privacy)
* [Regulatory](/security/regulatory)