6ix — KYC / AML & Sanctions
These rules explain how 6ix verifies accounts (KYC/KYB), screens for sanctions and high-risk activity, protects wallets and coins, and works with lawful requests. They help us keep creators, fans, and the financial system safe.
Last updated: 2025-10-28
1) Overview
Why verification matters
KYC (Know Your Customer) and AML (Anti-Money Laundering) controls reduce fraud, protect payouts, and ensure 6ix can operate globally. We tailor checks to risk, applicable law, and product usage.
Scope
Applies to top-ups, coin usage, wallet features, creator payouts, tips, subscriptions, marketplace sales, and any feature where funds move. When partners (e.g., payment processors or custodial wallets) require additional checks, their rules also apply.
2) Who must verify (KYC/KYB)
Individuals (KYC)
- Payouts enabled or approaching payout thresholds.
- Wallet activation, withdrawals, or higher top-up limits.
- Risk signals (e.g., chargebacks, device anomalies, sanctions proximity).
- Regulatory requirements by country, plan tier, or product.
Businesses (KYB)
Companies may need business verification (KYB): legal entity details, directors/owners (UBOs), registration documents, and authorized representative identity. Additional checks apply for certain industries.
Plan context
Pro and Pro Max users often reach higher limits faster and may be prompted earlier. Star-tick creators are subject to ongoing integrity checks in addition to standard KYC/KYB.
3) Verification process & documents
What we collect
- Government ID (passport, national ID, or driver’s license).
- Liveness/selfie and sometimes proof of address (PoA).
- For KYB: entity records, beneficial ownership, and officer authorization.
How we verify
Verification is performed through secure flows, often via a compliance partner. We check document authenticity, face match, watchlists, and geographic eligibility. Some cases require manual review.
Timing & expiry
Most checks complete within minutes. Periodic re-verification can be required (e.g., expired ID, new jurisdiction, unusual activity). Failure to complete may limit features until resolved.
4) Data security, privacy & retention
Security
KYC data is encrypted in transit and at rest. Access is restricted to vetted personnel and systems needed for compliance. We minimize what we store and prefer vendor-hosted tokens where possible.
Retention
We retain records only as long as required for legal, regulatory, and fraud-prevention purposes, then delete or anonymize. See Privacy — Retention.
Your rights
Regional privacy rights may allow access or deletion requests; some compliance records must be retained per law. See Privacy for details.
5) AML & sanctions controls
Sanctions & watchlists
Lists we screen against
We check relevant global and regional lists (e.g., OFAC, UN, EU, UK HMT) and locally applicable watchlists. A positive sanctions match means we cannot provide service and must restrict accounts or transactions.
False positives & remediation
If you believe a match is incorrect, contact compliance@6ixapp.comwith supporting documents. We cannot serve sanctioned individuals or entities.
PEPs & enhanced due diligence
Politically Exposed Persons
PEPs and close associates/family members can pose higher risk. We may request additional documentation, impose lower limits, or restrict certain features depending on risk and law.
Enhanced checks
Additional steps may include source-of-funds/source-of-wealth information, adverse media review, and periodic re-assessment.
Restricted jurisdictions
Geographic restrictions
Due to sanctions, legal, or risk reasons, some countries/regions are unsupported or limited. Availability can change. If you travel or relocate, we may request re-verification.
IP & residency signals
We may use IP, payment instrument country, and document country to assess eligibility and prevent evasion through proxies or misrepresentation.
6) Wallets, coins & payments
Coins (prepaid credits)
Top-ups & usage
Coins are prepaid credits used for boosts, 6IXAI usage, tips, promotions, and certain digital items. Consumed coins are generally non-refundable; see Refunds — Digital.
Anti-fraud
We may delay crediting or lock coins acquired through suspicious payments until a review is complete (e.g., stolen cards, chargebacks, or payment processor alerts).
Wallet rules & source-of-funds
Custody & partners
Wallets and payout rails may be provided by regulated custodians or processors. Their KYC/KYB and terms apply in addition to these rules. Certain assets or instruments may be unsupported.
Source-of-funds (SoF)
For higher limits, we may request evidence of SoF/SoW (e.g., payslips, invoices, royalty statements). Transactions that lack a legitimate rationale can be declined.
Holds, limits & unlocks
When we place holds
- Multiple disputed top-ups or unusual refund/chargeback ratios.
- Rapid coins movement between related accounts (“pass-through”).
- Jurisdiction mismatches or sanctions proximity.
How to unlock
Complete any pending KYC/KYB, provide requested documents, and address processor alerts. We may step-down limits gradually once risk decreases.
7) Monitoring & suspicious activity
Signals & patterns we review
Examples
- Account networks with shared devices/IPs funding each other.
- Routed payments through high-risk PSPs or anonymization services.
- Unusual bursts of top-ups and withdrawals with minimal creator activity.
Context matters
Legitimate bursts (e.g., viral success) are common on 6ix. We consider creator history, geography, audience patterns, and platform signals to avoid false positives.
What we may do
Account-level
- Temporary limits (top-up, spend, or withdrawal caps).
- Coins or payout holds pending review.
- Feature restrictions or account suspension for severe cases.
Transaction-level
Decline or reverse suspicious transactions; claw back benefits (e.g., boosts) where funded by fraudulent instruments; notify processors/partners as needed.
Regulatory reporting
STR/SAR & obligations
Where required by law or our partners’ obligations, we may file Suspicious Transaction/Activity Reports. To protect investigations, we typically cannot notify users about such filings.
Cooperation
We cooperate with competent authorities under valid legal process. See Law Enforcement Guidelines.
8) Appeals & re-verification
If you’re declined or limited
You can appeal in-product or email compliance@6ixapp.com. Provide accurate info and any supporting documents (e.g., updated ID, proof of address, SoF). Some outcomes are dictated by law or partner requirements and cannot be overridden.
Periodic checks
We may ask you to renew verification or provide updated entity information—especially after material changes (ownership, country, name) or risk signals.
9) Creator responsibilities
Be truthful
Provide accurate information and only your own documents. Misrepresentation or forged docs will result in account action and potential law-enforcement referral.
Use funds lawfully
Earnings, tips, and top-ups must come from lawful sources and lawful activities on 6ix. Follow tax rules in your country and keep your details current.
No evasion
Do not attempt to bypass limits by opening duplicate or straw accounts. This results in consolidated limits or termination across the account network.
10) Third-party providers
Compliance vendors
We use reputable KYC/KYB and sanctions screening vendors. Their privacy and security controls are part of our vendor due-diligence program.
Processors & custodians
Payment processors and custodians may require additional checks or impose regional restrictions. Their terms and policies apply alongside this one.
11) Law enforcement & legal process
Valid process
We respond to valid legal process and emergencies consistent with law. See Law Enforcement Guidelines.
User notice
We notify users where legally permitted and safe to do so; gag orders or safety risks may delay notice. See Privacy — Law enforcement.
12) How this interacts with other policies
Billing & Subscriptions
See /legal/billing for payment methods, renewals, and limits.
Refunds & Cancellations
See /legal/refunds for eligibility and timelines.
Disputes & Chargebacks
See /legal/disputes for evidence, outcomes, and coins clawback.
Acceptable Use
See /legal/acceptable-use for platform rules and restrictions.
Security
See /legal/security for account and data protection.
Privacy
See /legal/privacy for data practices, rights, and retention.
13) FAQ
Why was my withdrawal paused?
Likely pending verification or due to a risk alert. Check notifications and email compliance@6ixapp.com if you need help.
Can I use a friend’s card to top up?
No. Use your own approved payment instruments. Third-party funding is a common fraud vector and will be declined.
Will being a PEP block my account?
Not necessarily. It triggers enhanced due diligence. Depending on risk and law, certain features/limits may apply.