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\section{KYC/AML: Pull Payment} \label{sec:kyc:pull}
\begin{figure}[h!]
\begin{center}
\begin{tikzpicture}[node distance=0.9cm,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 (wallet) [decision,below=of start,text width=2.5cm] {Wallet linked to (domestic) phone number?};
\node (domestic) [process, right=of wallet] {Validate phone number};
\node (amount) [decision, below=of wallet,text width=2.5cm] {Wallet received less than KYC threshold from other wallets?};
\node (kyc) [process, right=of amount] {KYC process};
\node (high) [decision, below=of amount,text width=2.5cm] {Wallet 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 invoicing};
\node (deny) [failed, right=of kyc] {Deny};
\draw[arr] (start) -> (wallet) {};
\draw[arr] (wallet) -> (amount);
\draw (wallet) edge["Yes"] (amount);
\draw[arr] (wallet.east) -> (domestic);
\draw (wallet.east) edge["No"] (domestic);
\draw[arr] (domestic) -> (amount);
\draw (domestic) edge["Confirmed"] (amount);
\draw[arr] (domestic) -> (deny);
\draw (domestic) edge["Failed"] (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 receiving payments from another wallet.
The threshold depends on the risk profile from the KYC process.
When KYC thresholds would be passed, the receiving wallet cannot
generate a valid invoice until it has provided the KYC data.
When a transfer is denied by AML staff, the money is held in escrow
until authorities authorize the transfer.}
\end{figure}
\begin{table}[h!]
\caption{Settings for the pull payment 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
Permitted phone numbers & Dialing prefix & {\em +41} \\
P2P KYC threshold & Amount/month & {\em 1000 CHF} \\
P2P KYC threshold & Amount/year & {\em 5000 CHF} \\
Default P2P AML threshold & Amount/month & {\em 2500 CHF} \\
\end{tabular}
\end{table}
The P2P KYC thresholds of 1'000 \CURRENCY{} per month and than 5'000
\CURRENCY{} per year ensure compliance with article 49-2c.
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