\section{KYC: Deposit} \label{sec:kyc:deposit}

\begin{figure}[h!]
  \begin{center}
\begin{tikzpicture}[node distance=1cm,font=\sffamily,
    start/.style={rectangle, rounded corners, minimum width=3cm, minimum height=1cm,text centered, draw=black, fill=yellow!30},
    end/.style={rectangle, rounded corners, minimum width=3cm, minimum height=1cm,text centered, draw=black, fill=red!30},
    process/.style={rectangle, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=orange!30},
    failed/.style={rectangle, rounded corners, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=red!30},
    io/.style={trapezium, trapezium left angle=70, trapezium right angle=110, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=blue!30},
    decision/.style={diamond, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=green!30},
    arr/.style={very thick,-latex},
    every edge quotes/.style = {auto, font=\footnotesize, sloped}
    ]
 \node (start) [start] {Start};
 \node (country) [decision,below=of start,text width=2.5cm] {Target account in allowed country?};
 \node (amount) [decision, below=of country,text width=2.5cm] {Target account received less than KYB threshold?};
 \node (kyc) [process, right=of amount] {KYB process};
 \node (high) [decision, below=of amount,text width=2.5cm] {Target account received more than its AML threshold?};
 \node (aml) [process, right=of high] {AML process};
 \node (dummy) [below right=of aml] {};
 \node (allow) [end, below right=of dummy] {Allow};
 \node (deny) [failed, right=of kyc] {Deny};
 \draw[arr] (start) -> (country) {};

 \draw[arr] (country) -> (amount);
 \draw (country) edge["Yes"] (amount);

 \draw[arr] (country.east) -> (deny);
 \draw (country.east) edge["No"] (deny);

 \draw[arr] (amount) -> (high);
 \draw (amount) edge["Yes"] (high);

 \draw[arr] (amount.east) -> (kyc);
 \draw (amount.east) edge["No"] (kyc);

 \draw[arr] (kyc) -> (deny);
 \draw (kyc) edge["Failed"] (deny);

 \draw[arr] (kyc) -> (high);
 \draw (kyc) edge["Succeeded"] (high);

 \draw[arr] (high.south) -> (allow);
 \draw (high.south) edge["Yes"] (allow);

 \draw[arr] (high.east) -> (aml);
 \draw (high.east) edge["No"] (aml);

 \draw[arr] (aml) -> (deny);
 \draw (aml) edge["Violation"] (deny);

 \draw[arr] (aml) -> (allow);
 \draw (aml) edge["Ok"] (allow);
\end{tikzpicture}
  \end{center}
  \caption{Regulatory process when depositing digital cash into a bank
    account.  When the transfer is denied, the money is held in escrow
    until authorities authorize the transfer.}
\end{figure}


\begin{table}[h!]
  \caption{Settings for the deposit trigger. Note that the operation
  must satisfy all of the given rules.}
  \begin{tabular}{l|l|r}
    {\bf Setting}                 & {\bf Type}         & {\bf Value}     \\ \hline \hline
    Allowed bank accounts         & RFC 8905 RegEx     & {\em CH*}       \\ \hline
    KYB deposit threshold         & Amount/month       & {\em  5000 CHF} \\
    KYB deposit threshold         & Amount/year        & {\em 25000 CHF} \\
    Default AML deposit threshold & Amount/month       & {\em  5000 CHF} \\
  \end{tabular}
\end{table}

The KYB deposit threshold of 5'000 \CURRENCY{} per month and than 25'000
\CURRENCY{} per year ensure compliance with article 48-1b.

Additionally, our terms of service will prohibit businesses to receive
amounts exceeding 1'000 \CURRENCY{} per transaction (well below the
15'000 \CURRENCY{} threshold defined in article 24-1c).

SMS-Identification is done by in-house software. KYB data is initially
obtained and vetted by one of several external KYB providers before
being passed for manual validation by our own staff who can then
determine appropriate AML thresholds and set review criteria.