Procedimiento KYC/AML para empresas de criptomonedas lituanas
Este artículo es un extracto de una ley lituana sobre la PREVENCIÓN DEL BLANQUEO DE CAPITALES Y LA FINANCIACIÓN DEL TERRORISMO
Crypto-Asset Service Providers (CASPs), including providers of custody and administration of crypto-assets, exchange services and crypto-asset transfers, must implement risk-based AML/CTF compliance measures in accordance with Lithuanian legislation and applicable EU regulations. These measures include customer and beneficial owner identification, enhanced due diligence for higher-risk relationships, ongoing transaction monitoring, sanctions screening, suspicious transaction reporting, record retention and internal compliance controls. CASPs must also comply with Regulation (EU) 2023/1113 concerning information accompanying transfers of funds and certain crypto-assets (the Travel Rule).
- Customer due diligence (CDD) and identification of beneficial owners: CASPs must identify and verify their customers using reliable and independent sources, identify persons acting on behalf of customers, establish the ownership and control structure of legal entity customers, determine the purpose and intended nature of business relationships, and apply ongoing risk-based monitoring. For crypto-asset transfers, CASPs must also collect, verify where required, and transmit relevant originator and beneficiary information in accordance with Regulation (EU) 2023/1113.
- determinar si el cliente actúa en nombre propio o en nombre de otro representante;
- Si un cliente actúa en nombre del representante, se deberá identificar al representante;
- identificación del cliente – persona física;
- identificación del cliente – entidad jurídica;
- identificación del cliente – beneficiario de la entidad jurídica;
- recopilación de información sobre el cliente – gerentes de la entidad legal;
- Recopilación de información sobre la estructura de propiedad y control del cliente: entidad jurídica y actividades principales;
- recopilación de información sobre las intenciones de los clientes y las características implícitas de la relación comercial del cliente, tanto persona física como jurídica;
- verificación de la identidad del cliente y del destinatario con base en los documentos, datos o información recibidos de una fuente confiable e independiente;
- seguimiento sustantivo de las relaciones comerciales del cliente;
- Revisión y actualización periódica de los documentos, datos o información proporcionados para la identificación de un cliente y receptor;
- Cuando no sea posible cumplir con los requisitos de identificación del cliente y del beneficiario: cancelación de la transacción, imposibilidad de establecer las relaciones de cooperación, disolución;
- Implementación de todas las medidas de identificación del cliente del proyecto de moneda virtual;
- Suspension of suspicious transactions: Where a CASP identifies a transaction that may involve money laundering, terrorist financing or other relevant financial crime, it must assess the circumstances and comply with the applicable reporting and transaction suspension requirements. Suspicious transactions must be reported to the Lithuanian Financial Crime Investigation Service (FNTT) without delay, regardless of their value. Transaction suspension, refusal or execution must follow the applicable legal requirements and instructions issued by competent authorities.
- Notificación sobre operaciones o transacciones monetarias sospechosas;
- Reporting obligations: CASPs must report suspicious transactions to the Lithuanian Financial Crime Investigation Service (FNTT) irrespective of the transaction amount. Separate statutory reporting obligations may apply to specified cash transactions and other regulated operations. The former reporting requirement specifically applicable to virtual currency transactions of EUR 15,000 or more should not be presented as a universal reporting threshold for CASPs operating under the MiCA framework. CASPs must also comply with the applicable information collection and transmission obligations under Regulation (EU) 2023/1113, including requirements concerning transfers involving self-hosted addresses.
- Análisis de la estructura de acuerdos complejos, inusualmente grandes o atípicos;
- Record keeping and data retention: CASPs must retain customer identification documents, beneficial ownership information, transaction records and other relevant AML/CTF documentation for the periods prescribed by Lithuanian legislation. Under the Lithuanian Law on the Prevention of Money Laundering and Terrorist Financing, customer identification records and transaction documentation must generally be retained for eight years, while business correspondence must generally be retained for five years. Different retention periods may apply to specific categories of records, and any extension must have a valid legal basis. Personal data must not be retained indefinitely and must be processed in accordance with the GDPR.
- Asignación de empleados responsables de la realización de medidas para la prevención del blanqueo de capitales y/o la financiación del terrorismo;
- capacitación de empleados;
- CASPs must establish documented internal procedures for responding promptly and securely to lawful requests from the Financial Crime Investigation Service (FNTT), the Bank of Lithuania and other competent authorities. These procedures must ensure the confidentiality of regulatory communications, appropriate handling of personal data, preservation of relevant records and compliance with applicable restrictions on disclosing suspicious transaction reports or investigations to customers or unauthorised third parties.
- Confidencialidad de la información facilitada al Servicio de Investigación de Delitos Financieros;
- Implementación de políticas y procedimientos internos de control interno;
Company in Lithuania UAB Estaremos encantados de ofrecerle nuestra ayuda en la preparación de los documentos KYC/AML y las normas de procedimiento adecuadas para las operaciones de su negocio.
Company in Lithuania UAB provides legal and regulatory assistance to businesses seeking authorisation as Crypto-Asset Service Providers (CASPs) in Lithuania under Regulation (EU) 2023/1114 (MiCA). Our services include company incorporation, assessment of licensing requirements, preparation of AML/CTF and KYC policies, development of internal compliance procedures, corporate governance documentation and assistance with applications submitted to the Bank of Lithuania. The authorisation process is subject to regulatory assessment, and approval is not guaranteed.
