Acceptable Use and AML Policy | BM Escrow

What we will and won't hold.

Escrow makes a deal safer for the two people in it. That's exactly why we're careful about which deals we sit in the middle of.

Refused outright

We won't open, fund or settle a deal for any of these. The list isn't exhaustive, and we use judgement.

Anything unlawful to sell or own where either party is
Controlled substances, weapons, ammunition or their parts
Stolen goods, data, credentials or accounts
Material that sexually exploits or endangers children
Malware, exploit kits, botnets, DDoS or carding tools
Counterfeit money, documents, IDs or branded goods
Anything connected to trafficking or forced labour
Payments involving sanctioned people, entities or places
Deals designed to disguise where money came from
Unlicensed gambling, lending, securities or money transmission

When we ask who you are

Ordinary deals don't need identity checks. Some situations do.

We may ask for verification, and hold a settlement until we get it, where:

a deal or a pattern of deals is unusually large for the account
an address involved is linked to known illicit activity
several deals look structured to stay under a threshold
a dispute needs us to establish who the parties are
a law or order that applies to us requires it

Verification means government ID and, where relevant, evidence of where the funds came from. Documents are stored encrypted, seen only by staff who need them for the case, and kept only as long as the law requires.

Screening and records

We'd rather pause a settlement than complete one we shouldn't.

We may check deposit and payout addresses against sanctions and illicit-activity data before releasing funds. Where a match looks credible, we pause and investigate.

We keep records of deals, parties, addresses, transactions and decisions for as long as applicable law requires, and may disclose them in response to a lawful request. Where we're allowed to tell you, we will.

If we refuse a deal

If nothing has been paid, we close the deal and nothing is owed. If funds are already held, we return them to the address they came from once we're satisfied that's lawful — unless an order prevents it, which is the one case where we may be unable to return funds or explain why. We can decline service or close an account at our discretion.

Child safety

Any deal touching material that exploits children is refused, the account closed permanently, and the matter reported to the authorities. There is no appeal.

Escrow isn't a shield

Using escrow doesn't make an unlawful deal lawful. It puts a record of it in our hands.

Your own obligations

Tax, licensing and reporting duties from your deals are yours. We don't give tax or legal advice.

Reporting misuse

If you think someone is using BM Escrow for anything on this page, contact support with the deal reference and what you've seen. A person reads every report.

Start a safe crypto deal today.

Opening an escrow deal is free and commits nobody. You only pay the fee once money is held.

Start a free deal Join a deal