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+\section{Deposit} \label{sec:deposit}
+
+\begin{figure}[h!]
+ \begin{sequencediagram}
+ \newinst{wallet}{\shortstack{Customer wallet \\
+ \\ \begin{tikzpicture}
+ \node [fill=gray!20,draw=black,thick,align=center] { Unique \\ Wallet ID};
+ \end{tikzpicture}
+ }}
+ \newinst[2]{exchange}{\shortstack{Taler (exchange) \\
+ \\ \begin{tikzpicture}[shape aspect=.5]
+ \tikzset{every node/.style={cylinder,shape border rotate=90, draw,fill=gray!25}}
+ \node at (1.5,0) {\shortstack{{{\tiny Database}}}};
+ \end{tikzpicture}
+ }}
+ \newinst[2]{bank}{\shortstack{Retail bank \\
+ \\ \begin{tikzpicture}
+ \node [fill=gray!20,draw=black,thick,align=center] {Checking \\ Accounts};
+ \end{tikzpicture}
+ }}
+ \postlevel
+ \begin{callself}{wallet}{Review deposit fees}{}
+ \end{callself}
+ \mess[0]{wallet}{Deposit {(Coins)}}{exchange}
+ \begin{sdblock}{Acceptable account?}{}
+ \mess[0]{exchange}{{Refuse deposit}}{wallet}
+ \end{sdblock}
+ \begin{sdblock}{KYC/AML required?}{}
+ \begin{callself}{exchange}{Figures~\ref{fig:proc:kyc}, \ref{fig:proc:aml}}{}
+ \end{callself}
+ \end{sdblock}
+% \prelevel
+% \prelevel
+% \begin{sdblock}{User abort?}{}
+% \mess[0]{wallet}{{Request abort}}{exchange}
+% \mess[0]{exchange}{{Abort confirmation}}{wallet}
+% \end{sdblock}
+ \mess[0]{exchange}{{Initiate transfer}}{bank}
+
+\end{sequencediagram}
+ \caption{A customer deposits the coins issued by a Taler exchange (payment
+ service provider) into a bank account. Even if the
+ bank account is owned by the same customer, the
+ KYC checks from Section~\ref{sec:kyc:deposit} apply.}
+ \label{fig:int:deposit}
+\end{figure}
+
+We do {\bf not} permit the customer to regain control over their funds {\em
+ unless} they pass the KYC/AML checks. The technical reason is simply that
+the KYC/AML checks happen {\em after} the aggregation logic and at this point
+refunds are no longer permitted. From a compliance perspective, this also
+prevents malicious customers from risk-free probing of the system.