KYC & AML Policy

Last Updated: June 19, 2026

Welcome to TOP SKILL. This Know Your Customer (KYC) and Anti-Money Laundering (AML) Policy outlines our approach to user verification and our commitment to preventing fraud, money laundering, and illicit activities on our platform, especially concerning MFS Swap, Escrow, and Wallet transactions.

1. Prime ID Verification & Badges

TOP SKILL offers exclusive Prime ID badges (such as Verified, Partner, and Premium) to enhance your profile's credibility and unlock special platform features.

• Current System (Fee-Based): At present, Prime ID verification does NOT require the submission of personal documents (e.g., ID cards or passports). Users can upgrade to Prime status by paying a specific, one-time or subscription-based platform fee.
• Future Document Verification: While our system is fully equipped to handle document-based KYC verification, it is currently disabled to ensure a smooth onboarding process. However, TOP SKILL reserves the right to activate mandatory ID verification in the future if required for security or regulatory compliance.

2. Anti-Money Laundering (AML) Measures

To ensure a safe financial environment for all users, particularly during Add Funds, Withdrawals, MFS Swaps, and Escrow deals, we implement the following standard security measures:

• Transaction Monitoring: All wallet transfers, large MFS swaps, and abnormal deposit/withdrawal patterns are automatically monitored by our security systems.
• Right to Hold: If any suspicious transaction, potential scam, or unauthorized use of payment methods is detected, TOP SKILL reserves the right to temporarily hold the funds.
• Manual Verification Request: In cases of highly suspicious activity, the admin may manually request the user to provide proof of identity or payment ownership before releasing the funds.

3. Prohibited Financial Activities

Users are strictly prohibited from using TOP SKILL for:

• Transferring illegally obtained funds.
• Attempting to bypass daily withdrawal or swap limits using multiple accounts.
• Using stolen mobile financial service (MFS) accounts or bank details.

Any violation of these rules will result in immediate and permanent account termination, along with the confiscation of all wallet balances.