Anti-Money Laundering and Know Your Customer Policy

Last updated: October 25, 2026

Who we are

GiftXD, LLC is a Wyoming limited liability company registered with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury as a money services business. We are subject to the Bank Secrecy Act, its anti-money-laundering rules, and US sanctions laws administered by the Office of Foreign Assets Control (OFAC).

Our compliance program

We run a written anti-money-laundering program with the parts the law requires:

• A designated compliance officer who is responsible for the program day to day.
• Written policies, procedures and internal controls, covering identity verification, screening, monitoring, reporting and recordkeeping.
• Ongoing staff training, so everyone who handles customers or payments knows how to spot and escalate suspicious activity.
• Independent review of the program, to test that it works as written.

Know Your Customer: verifying who you are

Everyone who sells to us verifies their identity once, inside the Telegram bot, before their first sale is paid. We ask for:

• your full legal name, date of birth and home address;
• your phone number and email address;
• a photo of a valid government-issued ID; and
• a selfie or live photo, which is matched to the photo on your ID.

We check that the ID is genuine and unexpired and that the person in the selfie is the person on the ID. We may ask for more information at any time, for example proof of address, the source of the cards you sell, or the source of your funds. One person may hold only one account, and you may not sell on anyone else's behalf.

You must be at least 18. We only serve locations where we are allowed to operate, and we confirm your location during sign-up.

Sanctions screening

We screen every customer against the OFAC Specially Designated Nationals list and other applicable sanctions lists when they sign up, and again every day after that, because the lists change. We do not serve anyone who is on a sanctions list, owned by or acting for someone who is, or located in a comprehensively sanctioned country or region. A confirmed match closes the account.

Screening crypto wallets

Before we pay to a crypto address, we check it. Addresses that appear on sanctions lists are blocked. We also use blockchain analytics to see whether an address is linked to fraud, darknet markets, ransomware, mixers or other high-risk activity. We may refuse to pay a high-risk address and ask you for a different one.

Risk-based limits and enhanced due diligence

Every customer has a risk rating, based on things like verification level, location, sales history and screening results. Limits on how much you can sell in a day, week or month depend on your verification level and risk rating. Higher limits require more verification. The bot tells you when a limit applies.

Customers with a higher risk rating, or whose activity calls for it, go through enhanced due diligence. That can mean more documents, questions about where the cards came from, a closer look at the wallets they use, and a manual review before payment.

Monitoring every sale

Every sale is recorded and reviewed against the customer's profile. We look for patterns that may signal money laundering or fraud, including:

• sales split into smaller amounts to stay under a limit (structuring);
• several accounts linked to the same person, device or wallet;
• cards that are stolen, already used, or bought with stolen payment details;
• activity that does not fit what we know about the customer; and
• signs that the customer is being directed by someone else.

We may hold a sale or payment while we review it, ask you questions, or decline it.

Protecting scam victims

Gift cards are a common tool for scammers. If someone told you to buy a gift card to pay them, whether they said they were a government agency, a utility, tech support, a romantic partner or a prize office, it is a scam. We refuse cards that we believe were bought under pressure from someone else, and we would rather lose a sale than pay a scammer.

Reporting to authorities

When the law requires it, we file reports with FinCEN and other authorities, including suspicious activity reports. The law does not allow us to tell a customer that a suspicious activity report was filed about them. We also respond to lawful requests from law enforcement.

What can happen to an account

If you cannot or will not complete verification, if your information turns out to be false, or if we see activity that breaks these rules, we may limit, hold, suspend or close your account and decline or hold sales and payments, where the law allows. Where funds must be held or blocked under sanctions law, we will do so.

Keeping records

We keep identity, transaction, screening and compliance records for at least five years, as US anti-money-laundering rules require, and longer when a legal matter or a regulator calls for it. Our Privacy Policy explains how we protect this information and what rights you have.

Questions

Message us in the bot, @giftcard_redemption_bot. It is the only official bot, and the only one linked from this site. We will never ask for a card code, an ID or a password by email, text message or any other app.