commit b99150a657b37bb7e06b0434118e19aed5548e30
parent 37b56e2b6e0c7f34c0379ef8794db90d147f9824
Author: Christian Grothoff <grothoff@gnunet.org>
Date: Tue, 18 Mar 2025 16:36:30 +0100
-clarifications
Diffstat:
1 file changed, 43 insertions(+), 18 deletions(-)
diff --git a/deployments/tops.rst b/deployments/tops.rst
@@ -108,26 +108,26 @@ Initial Threshold Rules
* Withdrawal
- * ``withdrawal-low`` 200 CHF per month => measure ``sms-registration``
+ * ``withdrawal-low`` 200 CHF per month => measure ``sms-registration`` (or ``postal-registration``)
* 2500 CHF per month => measure ``verboten``
* 15000 CHF per year => measure ``verboten``
-* Deposit:
+* Deposit:
* ``deposit-zero``: 0 CHF => measure ``accept-tos``
- * 500 CHF per month => measure ``kyx``
- * 1500 CHF per year => measure ``kyx``
+ * 2500 CHF per month => measure ``kyx``
+ * 15000 CHF per year => measure ``kyx``
* Aggregate:
- * 500 CHF per month => measure ``kyx``
- * 1500 CHF per year => measure ``kyx``
+ * 2500 CHF per month => measure ``kyx``
+ * 15000 CHF per year => measure ``kyx``
* Merge (p2p receive)
- * ``merge-zero``: 0 CHF => measure ``sms-registration``
- * 500 CHF per month => measure ``verboten``
- * 1500 CHF per year => measure ``verboten``
+ * ``merge-zero``: 0 CHF => measure ``sms-registration`` (or ``postal-registration``)
+ * 2500 CHF per month => measure ``verboten``
+ * 15000 CHF per year => measure ``verboten``
Measures
@@ -135,20 +135,20 @@ Measures
Measures that ask for information:
-* ``sms-registration``: Validate phone number of customer.
+* ``sms-registration``: Validate (Swiss) mobile phone number of customer via SMS TAN.
* On success:
* Remove rule ``withdrawal-low``
* Remove rule ``merge-zero``
-
-* ``postal-registration``: Validate postal address of customer.
+* ``postal-registration``: Validate (Swiss) postal address of customer via snail mail with TAN.
* On success:
* Remove rule ``withdrawal-low``
* Remove rule ``merge-zero``
+ * If arriving at the form via ``kyx`` measure, continue with manual check by AML officer.
* ``accept-tos``: Ask customer to accept terms of service.
@@ -158,15 +158,27 @@ Measures that ask for information:
* ``kyx``: Allow customer to initiate KYC/KYC process via form ``vqf_902_1_customer``.
- * On success: AML officer must proceed manually.
+ * On success:
+
+ * Follow-up with other VQF-forms, or
+ * ``postal-registration`` to validate submitted address, or
+ * if everything is done AML officer must proceed manually with plausibilization.
* ``form-902.9``: Allow customer fill out form to determine beneficiary owner.
- * On success: AML officer must proceed manually.
+ * On success:
+
+ * Possibly more forms triggered via ``kyx``, or
+ * ``postal-registration`` to validate submitted address, or
+ * if everything is done AML officer must proceed manually with plausibilization.
* ``form-902.11``: Allow customer fill out form to determine controlling person.
- * On success: AML officer must proceed manually.
+ * On success:
+
+ * Possibly more forms triggered via ``kyx``, or
+ * ``postal-registration`` to validate submitted address, or
+ * if everything is done AML officer must proceed manually with plausibilization.
Threshold Presets
@@ -176,10 +188,23 @@ Threshold presets are presets that the AML officer can
select after the verifying the customer's documents and conducting
a risk assessment.
-FIXME: Define for deposit, based on busines type and risk.
+Exact thresholds will depend on the busines type and risk and may
+be assigned fully individually. However, we have a few typical
+profiles:
+
+* E-commerce:
+
+ * Merge: 0 CHF / month
+ * Withdrawal: 0 CHF / month
+ * Deposit: 25000 CHF / month (high-value transactions with Taler are suspicious)
+ * Aggregate: 25000 CHF / month
+
+* Point-of-sale:
-FIXME: These thresholds should be automatically selected based
-on completing ``vqf_902_1_officer``.
+ * Merge: 25000 CHF / month (peer-to-peer transfers may happen there)
+ * Withdrawal: 0 CHF / month
+ * Deposit: 25000 CHF / month (high-value transactions with Taler are suspicious)
+ * Aggregate: 25000 CHF / month
Properties
