How accounts and transactions are protected
帳戶與交易的保護方式
Verification, screening and monitoring are applied to every account. Controls are operated to standards set by the issuing institution and by applicable law.
所有帳戶均適用身分驗證、名單篩查與交易監控。相關控制措施按發行機構所訂標準及適用法律執行。
Customer due diligence
客戶盡職審查
Every applicant provides their full legal name, date of birth, nationality and residential address, supported by a valid government-issued photographic identity document and a liveness check. No card is issued before this is complete.
所有申請人須提供法定全名、出生日期、國籍及住址，並附有效的政府簽發附照片身分證明文件及活體檢測。未完成上述程序前不會發卡。
Enhanced due diligence
強化盡職審查
Additional enquiry into source of funds and source of wealth is carried out where the customer is a politically exposed person, is connected to a higher-risk jurisdiction, or presents an unusual transaction profile.
若客戶屬政治敏感人物、與較高風險司法管轄區有關連，或交易模式異常，將就資金來源及財富來源作進一步查證。
Sanctions and watchlist screening
制裁及監察名單篩查
Applicants are screened at onboarding and on an ongoing basis against applicable sanctions lists, politically exposed person databases and adverse media sources. A positive match results in suspension pending review.
申請人於開戶時及其後持續接受適用制裁名單、政治敏感人物資料庫及負面新聞來源的篩查。一旦出現命中，帳戶將暫停並待覆核。
Transaction monitoring
交易監控
Transactions are screened on an ongoing basis using tools provided by a third-party risk service provider. Indicators include transaction velocity and value outside an established profile, structuring patterns, and geographic inconsistency. Alerts are reviewed by trained personnel.
交易透過第三方風險服務供應商提供的工具持續篩查。監測指標包括超出既定模式的交易頻率與金額、拆分交易特徵，以及地理位置不一致等。所有警示由受訓人員覆核。
Source of funds
資金來源
Where funding originates from virtual assets, additional controls apply, including analytics screening of the originating address against known illicit-activity clusters. Funds identified as originating from sanctioned entities or known criminal proceeds are refused.
若資金源自虛擬資產，將適用額外控制措施，包括就來源地址對照已知非法活動群組進行分析篩查。經識別源自受制裁實體或已知犯罪所得的資金，將被拒絕。
Data protection
資料保護
Personal data is encrypted in transit and at rest. Access is granted on a need-to-know basis and administrative access is logged. Records are retained for the period required by applicable anti-money-laundering law.
個人資料在傳輸及儲存過程中均經加密。存取權限按需授予，管理端存取行為均有紀錄。相關紀錄按適用反洗錢法律所要求的期限保存。
Protecting your own account
保護您的帳戶
We never ask for credentials
我們絕不索取憑證
We will never ask for your password, one-time codes, or full card details by email, message or telephone.
我們絕不會透過電郵、訊息或電話向您索取密碼、一次性驗證碼或完整卡片資料。
Report unauthorised access
回報未經授權的存取
If you suspect your account has been accessed without authorisation, contact us immediately.
若您懷疑帳戶遭未經授權存取，請立即與我們聯絡。
Check the address bar
確認網址
Our only website is anyitem.cards. Treat any other domain claiming to be AnyItem as fraudulent.
我們的唯一網站為 anyitem.cards。任何其他自稱 AnyItem 的網域，請視為詐騙。