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\section{KYC: Withdraw} \label{sec:kyc:withdraw}
\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=3cm] {Wire transfer originates from allowed country?};
\node (amount) [decision, below=of country,text width=3cm] {Transferred less than maximum amount from origin account over last month?};
\node (allow) [end, below=of amount] {Allow};
\node (deny) [failed, right=of allow] {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) -> (allow);
\draw (amount) edge["Yes"] (allow);
\draw[arr] (amount.east) -> (deny);
\draw (amount.east) edge["No"] (deny);
\end{tikzpicture}
\end{center}
\caption{Regulatory process when withdrawing digital cash from a
bank account.
If the transfer is denied or the user fails to withdraw the
funds for any other reason, the money is automatically returned
after the bounce period (see Table~\ref{table:kyc:withdraw:settings}) to
the originating bank account.}
\label{fig:kyc:withdraw}
\end{figure}
\begin{table}[h!]
\caption{Settings for the withdraw trigger. Note that the operation
must satisfy all of the given rules.} \label{table:kyc:withdraw:settings}
\begin{tabular}{l|l|r}
{\bf Setting} & {\bf Type} & {\bf Value} \\ \hline \hline
Allowed bank accounts & RFC 8905 RegEx & {\em CH*} \\ \hline
SMS-Identification & Amount/month & {\em 200 CHF} \\
Withdraw limit & Amount/month & {\em 5000 CHF} \\
Withdraw limit & Amount/year & {\em 25000 CHF} \\
Bounce period & Delay & 1 month \\
\end{tabular}
\end{table}
The limit of 200 \CURRENCY{} results from article 48-2. Strictly limiting
withdrawals to less than 5'000 \CURRENCY{} per month and less than 25'000
\CURRENCY{} per year assures compliance with article 48-1c.
SMS-Identification is done by in-house software. Withdraw limits are
hard and cannot be raised even if the customer is known.
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