10:31
Pierre Blanchard
Dear Mr. Pierre Blanchard, hello:
Thank you for your understanding and cooperation in the risk control work of the platform. Regarding your question about the identification of "high-risk behavior", we now explain the recent risk assessment results of your account as follows:
After comprehensive evaluation by our multi-factor risk control system, your account risk level has been raised recently. The reason is not a single transaction amount or frequency, but based on the following key trigger conditions:
Transactions involving marked addresses
The personal wallet address you use has recently traded funds with a wallet address that has been marked as high-risk in our system. The marked wallet has been included in the monitoring list due to historical problems. For the sake of platform fund security, the system is highly sensitive to such addresses, and once the relevant transactions are identified, they will automatically trigger risk warnings.
Funds have been returned to the original route
For this transaction, our company has returned 40,000 USDC to the wallet you used for the operation yesterday, and sent you a clear reminder through customer service, requiring that subsequent funds must be transferred from the original account that was initially bound and verified.
Historical risk records
Previously, your CoinW account was suspected of abnormal fund flow behavior and triggered the anti-money laundering review mechanism. You actively cooperated with the platform to complete the compliance review at that time, and the relevant frozen funds were fully returned after the review was passed. However, because the account has a risk record, the system will automatically increase the risk control level after this re-trigger.
First violation record
Previously, your account triggered the platform compliance review process due to abnormal sources of funds (including third-party wallet recharges). Although you actively cooperated with the review and successfully passed the compliance verification at that time, the system will still retain the relevant violation records and keep a dynamic assessment of subsequent behaviors.
Re-triggering high-risk rules
In this incident, although you used the same personal wallet for multiple recharge operations, according to the on-chain records, the wallet had fund transactions with the wallet that was once marked as abnormal by the system. In particular, after the system identified that your wallet received a transfer from another person's wallet (that is, the girlfriend's wallet you mentioned), this behavior was identified as a potential circumvention of the platform's account binding mechanism.
Regarding the specific situation you mentioned
We understand your efforts and caution in this process, and thank you for your active cooperation in returning the relevant funds. However, the following points need to be pointed out for your reference:
About gift behavior
Although you mentioned that the amount was a gift, not a loan or illegal behavior, and it is not prohibited at the US legal level, in the CoinW platform compliance review, all recharge funds must come from the user's own regulated account. Even if you transfer the funds to your own wallet later, from the system perspective, the initial source of the funds is still not owned by you.
About the method and time of the four transactions
You split $200,000 into four transfers, which is not prohibited by the platform, but in conjunction with the aforementioned source of funds, transaction frequency, time distribution and destination wallet characteristics Comprehensive analysis, it is automatically identified by the system as an abnormal risk operation mode. This is an abnormal match between "behavior pattern and capital path" in the risk control model, which triggers secondary risk control.