????? ?????? ?? ??????/?????? (KYC/KYB) – ????? ????? ??? UICS/ICN
Identity/Entity Verification (KYC/KYB) Policy – UICS/ICN Issuance Portal

??? ?????: 2025-10-09 · ????? ?????? ????????? ??????? ??????? ??? ????? ???????? ?????? ????????.
Last updated: 2025-10-09 · Jurisdiction-neutral global policy based on transparency and data minimization.
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Global Transparency
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Jurisdiction-Neutral

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Verification Levels

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Summary:
????? ?????? ??? ??? ???? ??? ???????? ????? ??? ???? ?? ????????? ???????? ??????? ??????? ?????? ???? ????????? (eKYC/eKYB). ????? ?? ??? ????? ????????? ?? ???? ??? ?????/??????? ??? UICS/ICN.
We apply a risk-based approach with data minimization, using trusted providers and electronic methods (eKYC/eKYB). Failure or refusal to provide information may affect issuance/continuity of the UICS/ICN.

1) ????????? ???????1) Definitions & Scope

????? ??? ??????? ??? ??????? KYC (???????) ?KYB (????????) ??????? ?????? ??? UICS/ICN ?????????? ??? ???? ?????? ?? ??????/?????? ????? ????????? ??????? ???????.

This Policy applies to KYC (individuals) and KYB (entities) required for issuing and maintaining a UICS/ICN, covering identity/entity verification, authority checks, and risk alignment.

2) ??????? ??????2) General Principles

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Risk-based approach (RBA) with strict data minimization.
Specific purpose: issuance, ongoing verification, and abuse prevention.
Transparency and appropriate notice of requirements and outcomes.
Jurisdiction-neutral while aligning to recognized global practices.

3) ??????? ????????? ???????3) Roles & Responsibilities

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Issuance Portal: sets level, collects evidence, renders decision.
Approved verifiers: perform identity/entity and technical checks under security standards.
User/Authorized rep: provides accurate, up-to-date information and complies with requests.

4) ??????? ?????? (RBA)4) Verification Levels (RBA)

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?????	????? ??????? ???? ???? ?????.	???? ?????? + ???? ????/????.	?? 24–36 ????? ?? ??? ????? ?????.
?????	????? ??????? ???? ?????.	???? + ?????/????? + ?????.	?? 12–24 ????? ?? ??? ???????.
?????	????? ?????? ?? ??????.	KYB ???? + ?????? ???????? (UBO) + ??? ??????/PEP.	? 12 ????? ?? ?????? ??????.

Level	Description	Sample Evidence	Review Cycle
Basic	Low risk; simplified ID check.	Gov ID + email/phone verification.	Every 24–36 months or on material change.
Standard	Medium risk; enhanced checks.	ID + selfie/liveness + address.	Every 12–24 months or risk-based.
Advanced	High risk or corporate.	Full KYB + UBO + sanctions/PEP screening.	? 12 months with continuous monitoring.

5) ??? ?????? ???????????5) Electronic Verification Methods

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?????? ?????? ??????? (Selfie/Liveness) ?????? ???????.
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Secure ID capture (OCR/chip reading where available).
Biometric & liveness checks with notice and consent.
Data matching against trusted sources/public registries.
Email/phone ownership and address verification.

6) ????????? ????????? ????????6) Accepted Documents & Data

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???? ?????	??? ?????/??? ?????/???? UBO.
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Category	Examples
Government ID	Passport/National ID/Valid Residency.
Proof of Address	Utility bill/Recent bank statement.
Business Entity	Registry extract/Articles/UBO statement.
Authority	Authorization letter/Board resolution.

7) ????? ???????? ?PEP ???????? ??????7) Sanctions, PEP & Adverse Media

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????? ??????? ??? ??????? ???????? (PEP) ?????? ???????.
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Screening against globally recognized sanctions lists.
Identifying Politically Exposed Persons (PEPs) and handling their risks.
Adverse media/financial risk reviews where appropriate.

8) ????? ?????? ??????????8) Decision Outcomes & Notices

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Approved: issuance/continuity of the ICN.
Manual review: additional info or video interview.
Declined/Stopped: with general reasons where feasible.

9) ????? ?????? ?????? ??????9) Re-verification & Change of Circumstances

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Periodic refresh based on risk level.
Mandatory notice of material changes (ownership, address, activity).
Non-compliance may trigger restrictions/suspension per policy.

10) ??????? ??????? ?????????10) Typical Timelines

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?????? ???????	????? ??? 24 ????
?????? ???????	1–3 ???? ???
?????? ???????/KYB	3–10 ???? ??? (?? ???? ?? ????? ??????)

Stage	Typical timeframe
Basic	Minutes to 24 hours
Standard	1–3 business days
Advanced/KYB	3–10 business days (may extend for external sources)

11) ???????? ?????? ????????11) Privacy & Data Minimization

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We collect only what is necessary for verification and operate under the Privacy Policy. Purpose, data categories, retention and user rights are communicated where applicable.

12) ??? ????????? ?????? ??????12) Information Security & Providers

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We apply commercially reasonable controls and appropriate contracts with verification providers. Incidents follow the Incident Management and Vulnerability Disclosure policies.

13) ??? ???????? ??? ??????13) Cross-Border Data Transfers

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Data may be transferred across regions to support global verification, with appropriate contractual and technical safeguards to ensure adequate protection.

14) ???????? ??????14) Retention & Deletion

??????? ????? ???????? ??? ??????? ?????? ???????? ????????? ?? ?????/????? ?????? ??? ????? ???????? ??????.

Retention periods depend on level, purpose, and compliance needs, followed by deletion/anonymization per the Retention & Deletion Policy.

15) ???????? ????????? ???????15) Appeal & Manual Review

????? ??? ?????? ????? ??? ????? ?? ??????? ???? ??????? ?????? ???? ??????. ?????? ?????? ?????? ??? ?????? ????????.

You may request a manual review upon decline or suspension due to verification, submitting further evidence. A reasoned decision will be provided upon completion.