AML Policy
Last updated: January 2026. Our position on anti-money laundering and what "No AML" actually means in practice.
1. Our Position
Moneros Finance is a privacy-first Monero swap service. We do not perform Know Your Customer (KYC) checks, and we do not conduct AML wallet screening. We do not use blockchain analytics services to score, flag, or reject transactions based on the origin of funds. This is a deliberate architectural decision, not an oversight.
We believe that financial privacy is a fundamental right. Monero exists to provide that privacy at the protocol level, and Moneros Finance exists to make Monero accessible to anyone who wants it — without subjecting them to surveillance infrastructure in the process of getting there.
2. What We Do Not Do
- We do not screen deposit addresses against blockchain risk databases
- We do not run funds through Chainalysis, Elliptic, or equivalent services
- We do not assign risk scores to wallets or transactions
- We do not freeze, delay, or reject swaps based on the perceived source of funds
- We do not collect identity information that would enable AML reporting
3. Prohibited Activities
Although we do not screen transactions, users remain fully responsible for the legality of their activity. Use of Moneros Finance for the following purposes is strictly prohibited:
- Converting criminally obtained funds or laundering proceeds of crime
- Financing terrorist organizations or violent extremist activities
- Circumventing international sanctions regimes
- Processing ransomware payments or darknet market proceeds
- Fraud, theft, or handling of stolen cryptocurrency
- Human trafficking or other serious organized crime
4. Transaction Limits
We apply transaction limits as a basic operational parameter:
- Minimum transaction: Equivalent to $100 USD
- Maximum transaction: Equivalent to $282,100 USD
These limits exist for exchange liquidity and operational reasons, not as AML controls.
5. User Representations
By using Moneros Finance, you represent and warrant that:
- The funds you are exchanging are legally obtained and are not proceeds of any criminal activity.
- You are not subject to sanctions imposed by the United Nations, European Union, or other applicable international bodies.
- Your use of the Service does not violate any laws applicable to you in your jurisdiction.
- You will not use the Service to assist any third party in conducting illegal financial activity.
6. No Safe Harbor
Using a no-KYC, no-AML service does not protect anyone from criminal liability. Users who engage in illegal financial activity through any platform — including this one — remain fully liable under the laws of their jurisdiction. The absence of identity collection does not mean the absence of legal accountability.
7. Legal Cooperation
We will cooperate with legitimate law enforcement requests where legally required to do so. Given our minimal data retention, the information we are able to provide in such circumstances is extremely limited by design.
8. Policy Updates
This policy may be updated periodically. Changes will be posted on this page with a revised date.
9. Contact
For questions about this policy, contact us at support@moneros.finance.