AML/KYC policy

01Every order is reviewed

No USDT or AZN is sent automatically. An operator checks that each payment or USDT deposit matches its order, in amount, network and sender, before approving it. For OTC orders the operator also checks that the payment came from the customer's verified card or, for an M10 wallet or a bank transfer, from an account in the customer's own name, and pays an OTC sale out only to that card or to an M10 wallet or bank account in the customer's own name.

02Limits

A buy order is 10–20,000 AZN paid; a sell order is 10–20,000 AZN received, after fees. An OTC order starts at 20,000 AZN: an OTC purchase is 20,000–500,000 AZN paid and an OTC sale 20,000–500,000 AZN received, after fees, unless 2Pay has set a different range; the order form applies the range in force. 2Pay may set lower limits for an account.

03Identity verification for OTC

OTC is only for verified customers. To be verified you give your personal details (name, date of birth, citizenship, phone number and address), an identity document (ID card or passport, with the FIN for citizens of Azerbaijan) and photos of it, a selfie holding the document, and a bank card in your own name: the cardholder name, the bank, the first 6 and last 4 digits of the number and a photo of the card's front with the middle 8 digits covered.

A 2Pay operator checks the details and photos and approves or rejects the verification; a rejection comes with the reason, and you can submit again. 2Pay may withdraw a verification later, for example when the card is reported lost or stolen.

04Know your customer

For any order, 2Pay may ask you to confirm your identity (for example with an ID document and a selfie), the ownership of the account, card or wallet you use, or the source of funds, especially for large or repeated orders. Orders wait until the requested information is received.

05Own funds only

Payments must come from an account or card in your own name (for OTC paid by card, from your verified card), and USDT from a wallet you control. Payments from third parties are refused. When you sell, the AZN is paid only to an account or card in your own name (for an OTC sale to a card, only to your verified card).

06Business partners

Companies that use the 2Pay API are checked by the 2Pay team (due diligence, KYB) before they get access, and sign a separate agreement. Their orders are reviewed by a 2Pay operator like every other order.

07Refused orders and reporting

2Pay refuses orders that look suspicious and may report them to the competent authorities as the law requires, without telling the customer when the law forbids it. Records of orders and verifications are kept for the period the law requires.