AML & KYC Policy.

This policy describes the anti-money-laundering (AML) and know-your-customer (KYC) controls that apply to every account and every trade on Hpcarding. It exists to keep the platform usable by honest traders and unusable by everyone else. Using the platform means accepting these controls.

Every account completes a base identity check before its first payout: a government-issued photo ID plus a liveness selfie matched to that ID. Checks are performed by specialist providers and most clear automatically in under two minutes.

• Tier 1: base identity check - standard daily trade limits.
• Tier 2: proof of address - higher limits and priority processing.
• Tier 3: source-of-funds review - bulk and business volumes.

Verification is one-time per person. We do not use it for marketing and we do not share it beyond the providers and regulators described in the Privacy Policy.

At higher tiers or where a trade pattern requires it, we may ask where the cards or coins you are selling came from - for example a purchase receipt for a physical card, or the platform history behind a coin withdrawal. Legitimate sellers clear this quickly; it is designed to be a five-minute conversation, not an interrogation.

Trades run through automated monitoring that looks for patterns associated with fraud and laundering: velocity spikes, structuring behavior, mismatched asset origins and known fraud markers. Alerts are reviewed by our compliance team, and a review can pause a payout temporarily. Honest traders experience this as an occasional extra check; it is not a hold on your money without communication - we tell you what is happening and what we need.

Accounts and trades are screened against international sanctions lists. We cannot provide services to individuals or entities that appear on those lists, and screening can occur at onboarding, at payout, and when lists update.

Where the law requires it, we report suspicious activity to the relevant financial intelligence authority. We are not permitted to tell you when such a report exists. These duties override account convenience, which is why verified trades that pass monitoring are never delayed by them.

Verification records and trade histories are retained for the statutory period after account closure. Records are encrypted, access-logged, and available to you on request to the extent the law allows us to share them.

• Refusing or failing verification: trades cannot complete and the account stays limited.
• Providing false documents or information: account closure, and reports where the law requires.
• Trading prohibited assets: trade reversal where possible and account closure.

Where a trade is reversed, assets are returned as far as the law and the situation allow. We always explain the reason in writing inside the platform.

Questions about verification tiers, documents or a paused trade go to info@hpcarding.com with your trade ID, or through live chat during support hours. Compliance reviews do not run through social media - anyone asking for documents in DMs is impersonating us.