EarnOpus pays real money to people all over the world. That brings a duty to make sure our payouts cannot be used to launder money, finance crime or cash out the proceeds of fraud. This policy explains the checks we run and what they mean for you.
Purpose and scope
This policy applies to every member and every withdrawal, whatever the payout method. It sets out how we meet anti-money-laundering (AML) and counter-terrorist-financing rules and how we apply know-your-customer (KYC) checks.
A risk-based approach
Money on EarnOpus flows in one direction only. Advertisers fund rewards and members withdraw them; members can never deposit funds or send a balance to one another. That design removes many common laundering routes, but it does not remove the risk of fraud, so we scale our checks to the risk a withdrawal presents: its size, its destination, the history of the account and the country involved.
When we verify your identity
Most members can make their first small withdrawals without any documents. We ask for verification before releasing a payout when one or more of the following applies:
- your total withdrawals reach $500, and again at higher cumulative thresholds
- a single withdrawal is unusually large for your account
- the name or country of the payout destination does not match your account
- our monitoring flags activity that needs a closer look
- a payout provider or an authority asks us to confirm who you are
What we ask for
Verification normally needs a valid government-issued photo ID and a live selfie, and sometimes a recent proof of address. The check is carried out by a specialist verification provider and usually takes a few minutes. We never ask for documents by chat or on social media, so treat any such request as a scam.
Ongoing monitoring
We monitor accounts and withdrawals for patterns that suggest abuse. Typical examples are several accounts paying out to one wallet or payout email, withdrawals that follow a wave of reversed rewards, payout destinations that change frequently and access from regions under sanctions.
Payout restrictions
Payouts are sent only to accounts, cards and wallets held by the member. We do not pay third parties. We screen members and crypto addresses against international sanctions lists, and we do not serve countries or persons subject to comprehensive sanctions.
Holds, refusals and reporting
A payout may be held while a check is in progress, and we aim to finish within three business days of receiving your documents. If we cannot verify your identity, or the activity behind a balance turns out to be fraudulent, we will refuse the payout and may close the account.
Where the law requires it, we report suspicious activity to the competent authorities. In those cases we may be prohibited from telling you that a report has been made.
Record keeping
We keep verification records and transaction history for at least five years after your last transaction, as AML rules require. They are stored securely, separated from everyday systems, and handled as described in our privacy policy.