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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 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.