Our AML Framework: How Spinaud Keeps Every Transaction Clean

Spinaud operates under a strict anti-money laundering framework aligned with the requirements of our Curaçao eGaming licence. Every transaction processed on the platform, whether in AUD via Visa, Mastercard, or Skrill, or in cryptocurrency including Bitcoin, Ethereum, USDT, and Tether, passes through automated monitoring designed to flag unusual patterns before they progress. We treat AML compliance not as a formality but as an active, ongoing responsibility.

We apply a risk-based approach to customer due diligence. When a player registers, a baseline check runs against international sanctions lists and politically exposed persons (PEP) databases. For higher-risk activity, such as deposits that push cumulative totals past AUD 10,000 within a short period, our compliance team triggers an enhanced due diligence (EDD) review. Players may be asked to supply source-of-funds documentation, government-issued photo ID, or a recent proof of address before withdrawals are approved.

Transaction monitoring runs continuously across every payment rail we support. Crypto deposits, including Litecoin and TRON, are screened using on-chain analytics to detect wallet addresses linked to flagged activity. Paysafecard top-ups, Neteller transfers, and card payments are each scored against behaviour-based risk thresholds. Where a deposit triggers a review, funds are held pending investigation and, if warranted, disclosed to the relevant financial intelligence authority. No exception is made for high-volume players, and no withdrawal is processed while a verification review remains open.

All staff who handle payments or player accounts complete annual training covering AML typologies specific to online gaming, including chip dumping in live poker, structuring deposits below detection thresholds, and cycling funds rapidly through high-volatility slots from providers such as Pragmatic Play or Push Gaming. Records of due diligence checks, transaction alerts, and any filed reports are retained for a minimum of five years. Players who supply false documentation or attempt to work around these controls face immediate account suspension and referral to the appropriate authorities.

We operate under a formal AML programme aligned with international financial crime standards. Every account goes through know-your-customer (KYC) verification before the first withdrawal is released: accepted documents include a government-issued photo ID, a utility bill or bank statement dated within three months, and, for larger withdrawals, source-of-funds confirmation. Verification is mandatory, not optional, regardless of the payment method used.

Transaction monitoring covers all channels around the clock. Spinaud accepts deposits via Visa, Mastercard, Skrill, Neteller, Paysafecard, and a full range of cryptocurrencies including Bitcoin, Ethereum, USDT, Litecoin, TRON, and Tether. Crypto does not mean anonymous: every wallet address is screened against global sanctions lists and watchlists before a deposit is credited, and blockchain analytics flag high-risk addresses automatically. Fiat transactions go through equivalent checks at the processor level.

Behavioural triggers matter as much as individual amounts. Accounts that show rapid cycling of funds, repeated deposit-and-reversal patterns, or sudden spikes in stake sizes relative to deposit history are queued for compliance review. If a pattern cannot be explained by normal player behaviour, a designated AML officer decides whether to file a suspicious activity report with the relevant financial intelligence authority. During that review, withdrawals may be paused, but we notify affected users by email or live chat within 24 hours of any account restriction.

All staff with access to player financial data receive AML training on induction and annually thereafter. Records of identity documents, transaction logs, and compliance decisions are kept for five years in line with standard regulatory requirements. Third-party identity verification tools cross-check submitted documents against authoritative data sources in real time, reducing manual error. Players can help the process by keeping account details current and responding to document requests promptly; delays extend the review period. Our compliance team is reachable via live chat, email, or phone if you have questions about any verification step.

KYC (Know Your Customer) checks are a standard part of responsible account management at Spinaud, protecting players and the platform from fraud and financial crime. Verification is triggered at specific points in the account lifecycle, and the process is straightforward once you know what to prepare.

Every account goes through a standard Know Your Customer process before withdrawals are approved. Players submit a government-issued photo ID, proof of address dated within 90 days, and confirmation of the payment method on file. Documents are reviewed within 24 hours in most cases, though complex submissions can take up to 72 hours. We apply baseline checks consistently across the player base because uniform application is more reliable than threshold-only triggers.

Once verified, accounts remain under ongoing monitoring. Any single transaction above AUD 10,000, or a pattern of structured deposits that cumulatively approach that figure, triggers an internal review. Our compliance team assesses the transaction against the player's stated income and known deposit history, then requests source-of-funds documentation if session data alone cannot resolve the query.

Enhanced due diligence applies to three groups: politically exposed persons (PEPs), players from higher-risk jurisdictions, and accounts where deposit velocity rises sharply without a clear explanation. For these players, additional documentation is required before deposit limits are raised or large withdrawals are processed. This reflects standard obligations that apply to all licensed operators, not a penalty for individual players.

Suspicious activity is reported internally first, then escalated to the relevant financial intelligence unit where applicable law requires it. Every case is logged regardless of outcome, building an audit trail that supports both internal quality reviews and regulatory inspections. Staff who handle payments and account management complete AML training annually, with refresher modules issued when guidance changes. These procedures are reviewed at least once a year against current standards and any updates to our licensing conditions.

Sanctions screening sits at the core of Spinaud's anti-money laundering framework. Before any account is approved, and again at key transaction points, we cross-reference customer data against globally recognised sanctions databases. The goal is straightforward: prevent funds linked to sanctioned individuals, entities, or jurisdictions from moving through our platform. This applies to all players regardless of deposit size or payment method, whether they use Visa, Bitcoin, or USDT.

The lists we screen against include the OFAC Specially Designated Nationals list, the UN Security Council Consolidated List, the EU Financial Sanctions File, and the sanctions registers published by AUSTRAC, Australia's financial intelligence agency. FATF-identified high-risk jurisdictions are flagged at the onboarding stage, where enhanced due diligence applies automatically. These data sources are updated on a rolling basis, typically within 24 hours of any official amendment, so the screening reflects current geopolitical risk rather than a static snapshot.

Screening runs on a combination of automated name-matching and fuzzy-logic scoring to account for spelling variations, transliterations, and common aliases. A score above our internal threshold routes the case to the compliance team for manual review, which typically involves cross-checking identity documents and recent transaction history. During that review, the account is placed on hold; deposits and withdrawals are paused until the outcome is confirmed. Players affected by a hold receive notification by email within one business day, with a case reference number for follow-up.

If a player believes a match is a false positive, they can submit supporting documentation through live chat, WhatsApp, email, or phone. The compliance team targets a resolution within five business days. Confirmed matches result in account suspension, with funds held in line with applicable law and a mandatory disclosure to AUSTRAC where reporting obligations require it. No customer data used in this process is shared with any third party beyond what statutory obligations demand.