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diff --git a/doc/flows/kyc-withdraw.tex b/doc/flows/kyc-withdraw.tex new file mode 100644 index 000000000..b5605618e --- /dev/null +++ b/doc/flows/kyc-withdraw.tex @@ -0,0 +1,58 @@ +\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 15000 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 15'000 +%\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. |