87 lines
3.6 KiB
TeX
87 lines
3.6 KiB
TeX
\section{KYC/AML: Pull Payment} \label{sec:kyc:pull}
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\begin{figure}[h!]
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\begin{center}
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\begin{tikzpicture}[node distance=0.9cm,font=\sffamily,
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start/.style={rectangle, rounded corners, minimum width=3cm, minimum height=1cm,text centered, draw=black, fill=yellow!30},
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end/.style={rectangle, rounded corners, minimum width=3cm, minimum height=1cm,text centered, draw=black, fill=red!30},
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process/.style={rectangle, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=orange!30},
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failed/.style={rectangle, rounded corners, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=red!30},
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io/.style={trapezium, trapezium left angle=70, trapezium right angle=110, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=blue!30},
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decision/.style={diamond, minimum width=3cm, minimum height=1cm, text centered, draw=black, fill=green!30},
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arr/.style={very thick,-latex},
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every edge quotes/.style = {auto, font=\footnotesize, sloped}
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]
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\node (start) [start] {Start};
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\node (wallet) [decision,below=of start,text width=2.5cm] {Wallet linked to (domestic) phone number?};
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\node (domestic) [process, right=of wallet] {Validate phone number};
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\node (amount) [decision, below=of wallet,text width=2.5cm] {Wallet received less than KYC threshold from other wallets?};
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\node (kyc) [process, right=of amount] {KYC process};
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\node (high) [decision, below=of amount,text width=2.5cm] {Wallet received more than its AML threshold?};
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\node (aml) [process, right=of high] {AML process};
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\node (dummy) [below right=of aml] {};
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\node (allow) [end, below right=of dummy] {Allow invoicing};
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\node (deny) [failed, right=of kyc] {Deny};
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\draw[arr] (start) -> (wallet) {};
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\draw[arr] (wallet) -> (amount);
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\draw (wallet) edge["Yes"] (amount);
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\draw[arr] (wallet.east) -> (domestic);
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\draw (wallet.east) edge["No"] (domestic);
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\draw[arr] (domestic) -> (amount);
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\draw (domestic) edge["Confirmed"] (amount);
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\draw[arr] (domestic) -> (deny);
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\draw (domestic) edge["Failed"] (deny);
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\draw[arr] (amount) -> (high);
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\draw (amount) edge["Yes"] (high);
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\draw[arr] (amount.east) -> (kyc);
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\draw (amount.east) edge["No"] (kyc);
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\draw[arr] (kyc) -> (deny);
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\draw (kyc) edge["Failed"] (deny);
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\draw[arr] (kyc) -> (high);
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\draw (kyc) edge["Succeeded"] (high);
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\draw[arr] (high.south) -> (allow);
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\draw (high.south) edge["Yes"] (allow);
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\draw[arr] (high.east) -> (aml);
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\draw (high.east) edge["No"] (aml);
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\draw[arr] (aml) -> (deny);
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\draw (aml) edge["Violation"] (deny);
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\draw[arr] (aml) -> (allow);
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\draw (aml) edge["Ok"] (allow);
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\end{tikzpicture}
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\end{center}
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\caption{Regulatory process when receiving payments from another wallet.
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The threshold depends on the risk profile from the KYC process.
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When KYC thresholds would be passed, the receiving wallet cannot
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generate a valid invoice until it has provided the KYC data.
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When a transfer is denied by AML staff, the money is held in escrow
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until authorities authorize the transfer.}
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\end{figure}
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\begin{table}[h!]
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\caption{Settings for the pull payment trigger. Note that the operation
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must satisfy all of the given rules.}
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\begin{tabular}{l|l|r}
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{\bf Setting} & {\bf Type} & {\bf Value} \\ \hline \hline
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Permitted phone numbers & Dialing prefix & {\em +41} \\
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P2P KYC threshold & Amount/month & {\em 1000 CHF} \\
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P2P KYC threshold & Amount/year & {\em 5000 CHF} \\
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Default P2P AML threshold & Amount/month & {\em 2500 CHF} \\
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\end{tabular}
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\end{table}
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The P2P KYC thresholds of 1'000 \CURRENCY{} per month and than 5'000
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\CURRENCY{} per year ensure compliance with article 49-2c.
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