1win Antifraud Measures

1win implements a structured set of antifraud and financial crime prevention protocols based on comprehensive KYC procedures and continuous transaction monitoring. These measures align with international AML/CTF frameworks and Indian legal expectations regarding financial integrity.

The platform applies a risk-based approach to customer identification, account activity review, and payment processing, supported by automated tools and manual checks performed by trained compliance personnel.

Key financial security and antifraud measures include:

• Customer Identification and Verification (KYC):

• Verification of identity documents such as Permanent Account Number (PAN) card, Aadhaar, passport, or other government-issued identification where lawful and appropriate.
• Validation of personal details including full name, date of birth, nationality, and contact information.
• Proof of address checks using acceptable documents such as utility bills, bank statements, or government records.

• Age and Eligibility Controls:

• Confirmation that the customer meets the legal age requirement for real-money gaming in the relevant jurisdiction.
• Screening to prevent account opening by persons who are legally restricted or prohibited from participating in online gaming or betting.

• Enhanced Due Diligence (EDD):

• Additional checks for higher-risk customers, including politically exposed persons (PEPs), customers from higher-risk jurisdictions, or customers displaying unusual transaction patterns.
• Request for additional documents, source of funds, or source of wealth information where risk indicators justify deeper review.

• Ongoing Transaction Monitoring:

• Automated monitoring of deposits, bets, winnings, and withdrawals to identify unusual, inconsistent, or high-risk behaviour.
• Review of activities such as rapid turnover of funds, frequent small deposits followed by large withdrawals, or use of multiple payment methods without clear purpose.

• Payment Security and Controls:

• Acceptance of payments only from methods and providers that meet internal compliance standards and legal requirements.
• Matching of withdrawal destinations to the verified account holder wherever feasible, to reduce risk of third-party misuse.
• Restrictions on anonymous or unverified payment instruments where required by law or internal policy.

• Sanctions, PEP, and Negative List Screening:

• Screening of customers against applicable international sanctions lists, PEP lists, and internal negative databases.
• Refusal or termination of service where sanctions or other legal restrictions apply.

• Suspicious Activity Detection and Reporting:

• Internal investigation of activities that may indicate money laundering, terrorist financing, fraud, or misuse of gaming services.
• Reporting of suspicious transactions or accounts to relevant authorities, subject to legal obligations in the licensing and user jurisdictions.

• Account Freezing and Closure:

• Temporary suspension, restriction, or freezing of accounts where there is suspicion of fraudulent or unlawful activity.
• Closure of accounts and confiscation or blocking of funds where mandated by law, regulatory requirement, court order, or internal AML policy.

• Record Keeping and Data Retention:

• Maintenance of records of customer identification data, transaction history, communications, and verification actions for periods required by applicable law and licensing conditions.
• Secure storage of personal and financial data, coupled with restricted internal access based on need-to-know principles.

• Staff Training and Internal Controls:

• Regular training of relevant staff on AML, CTF, KYC, and fraud detection practices.
• Separation of duties between operational, financial, and compliance teams to reduce conflict of interest and enhance independent oversight.

Customers may be asked at any time to provide additional documents or information to support AML and KYC checks. Failure or refusal to supply such information may lead to restrictions on deposits, bets, withdrawals, or continued use of the platform, in line with legal and regulatory requirements.

Use of the 1win platform constitutes acceptance of ongoing AML, CTF, and KYC monitoring and of the measures described in this policy.