KYC & AML Policy
Ultimo aggiornamento: · v4
Effective Date: April 2026 (last updated: September 2026)
1. Introduction & Business Model Context Fanchaty AI LTD ("Company", "we", "our") is strictly committed to combating money laundering, fraud, and the unauthorized use of our platform by minors. Fanchaty.ai is exclusively a Software-as-a-Service (SaaS) Artificial Intelligence platform. We do not host, employ, or process payouts to any real human content creators or models. Consequently, traditional Know Your Customer (KYC) requirements associated with creator-payouts are inapplicable. Our KYC and Anti-Money Laundering (AML) focus is on our end-users (buyers), to ensure age verification and transactional integrity, and on the affiliates of our Refer & Earn programme, who are the only parties we pay out to.
2. User Age & Identity Verification (Buyer KYC) As our platform provides explicit AI content, preventing underage access is our top priority. We utilize a multi-layered verification protocol:
Active Consent: Users must manually declare they are 18 years of age or older under penalty of perjury during the registration process.
Financial Gatekeeping: The ultimate identity and age verification is conducted by our Level-1 PCI-DSS compliant adult payment processors. We do not accept anonymous cryptocurrencies or unverified prepaid cards. A valid credit/debit card attached to a legally identifiable adult is strictly required to purchase any subscription or token package.
3. Anti-Money Laundering (AML) Protocols Due to the structure of our platform, the risk of traditional money laundering is virtually non-existent. However, we enforce the following safeguards:
Tokens cannot be cashed out or transferred: Tokens purchased on Fanchaty.ai are strictly tied to the purchasing account. Users cannot transfer tokens to other users, nor can they cash out or exchange virtual tokens back into real-world fiat currency.
Payouts are made only to programme affiliates: The Company does not refund purchase amounts to users in cash. The only outflow of funds from the platform is the commission paid to affiliates who earn in the Refer & Earn programme. Those payouts are subject to: (a) collection of the affiliate’s full name, country of residence, date of birth and a tax declaration before the first withdrawal; (b) payment only to residents of the countries on our allow list, and never to sanctioned countries or listed persons; (c) payment only to a USDT (TRON/TRC20) wallet address the affiliate has saved themselves; (d) manual review of the first withdrawal and of unusual amounts; (e) automatic suspension of payouts if the refund/chargeback rate among referred users passes our threshold.
Velocity & Threshold Checks: We implement strict daily limits on the volume of transactions a single account or IP address can attempt to prevent card testing and credit card fraud.
4. Suspicious Activity & Fraud Monitoring Our backend infrastructure actively monitors for anomalies, including:
Multiple accounts created from the same IP address or device fingerprint.
High-velocity transaction attempts (multiple rapid card declines).
In the affiliate programme: self-referral, reward farming with fake accounts, and commission abuse through a “pay, then refund” cycle. Where fraud is confirmed, pending earnings are cancelled and the balance is forfeited.
In the event of suspected fraud or unauthorized chargebacks, the Company will immediately terminate the user’s account, permanently blacklist their IP address, and cooperate fully with our payment processors by providing necessary transaction logs.
Contact for Compliance Inquiries: [email protected]