[taler-exchange] branch master updated: make amounts more consistent

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grothoff pushed a commit to branch master
in repository exchange.

The following commit(s) were added to refs/heads/master by this push:
     new ffa45201 make amounts more consistent
ffa45201 is described below

commit ffa45201bd1c279a5ca83cd8dedf08ac115049e1
Author: Christian Grothoff <christian@grothoff.org>
AuthorDate: Thu Aug 24 22:47:25 2023 +0200

    make amounts more consistent
---
 doc/flows/kyc-deposit.tex  | 11 ++++++++---
 doc/flows/kyc-pull.tex     | 18 ++++++++++++------
 doc/flows/kyc-push.tex     | 18 ++++++++++++------
 doc/flows/kyc-withdraw.tex | 13 ++++++++-----
 doc/flows/main.tex         |  4 ++--
 5 files changed, 42 insertions(+), 22 deletions(-)

diff --git a/doc/flows/kyc-deposit.tex b/doc/flows/kyc-deposit.tex
index 7e1c3d1e..bbc3138d 100644
--- a/doc/flows/kyc-deposit.tex
+++ b/doc/flows/kyc-deposit.tex
@@ -64,11 +64,11 @@
   \caption{Settings for the deposit trigger. Note that the operation
   must satisfy all of the given rules.}
   \begin{tabular}{l|l|r}
-    {\bf Setting}                 & {\bf Type}         & {\bf Value}    \\ 
\hline \hline
-    Allowed bank accounts         & RFC 8905 RegEx     & {\em CH*}      \\ 
\hline
+    {\bf Setting}                 & {\bf Type}         & {\bf Value}     \\ 
\hline \hline
+    Allowed bank accounts         & RFC 8905 RegEx     & {\em CH*}       \\ 
\hline
     KYB deposit threshold         & Amount/month       & {\em  5000 CHF} \\
     KYB deposit threshold         & Amount/year        & {\em 25000 CHF} \\
-    Default AML deposit threshold & Amount/month       & {\em  2500 CHF} \\
+    Default AML deposit threshold & Amount/month       & {\em  5000 CHF} \\
   \end{tabular}
 \end{table}
 
@@ -78,3 +78,8 @@ The KYB deposit threshold of 5'000 \CURRENCY{} per month and 
than 25'000
 Additionally, our terms of service will prohibit businesses to receive
 amounts exceeding 1'000 \CURRENCY{} per transaction (well below the
 15'000 \CURRENCY{} threshold defined in article 24-1c).
+
+SMS-Identification is done by in-house software. KYB data is initially
+obtained and vetted by one of several external KYB providers before
+being passed for manual validation by our own staff who can then
+determine appropriate AML thresholds and set review criteria.
diff --git a/doc/flows/kyc-pull.tex b/doc/flows/kyc-pull.tex
index c89986ea..f647df61 100644
--- a/doc/flows/kyc-pull.tex
+++ b/doc/flows/kyc-pull.tex
@@ -74,13 +74,19 @@
   \caption{Settings for the pull payment trigger. Note that the operation
   must satisfy all of the given rules.}
   \begin{tabular}{l|l|r}
-    {\bf Setting}             & {\bf Type}      & {\bf Value} \\ \hline \hline
-    Permitted phone numbers   & Dialing prefix  & {\em +41} \\
-    P2P KYC threshold         & Amount/month    & {\em  1000 CHF} \\
-    P2P KYC threshold         & Amount/year     & {\em  5000 CHF} \\
-    Default P2P AML threshold & Amount/month    & {\em  2500 CHF} \\
+    {\bf Setting}             & {\bf Type}      & {\bf Value}     \\ \hline 
\hline
+    Permitted phone numbers   & Dialing prefix  & {\em +41}       \\
+    SMS-Identification        & Amount/month    & {\em     0 CHF} \\
+    P2P KYC threshold         & Amount/month    & {\em  5000 CHF} \\
+    P2P KYC threshold         & Amount/year     & {\em 25000 CHF} \\
+    Default P2P AML threshold & Amount/month    & {\em  5000 CHF} \\
   \end{tabular}
 \end{table}
 
-The P2P KYC thresholds of 1'000 \CURRENCY{} per month and than 5'000
+The P2P KYC thresholds of 5'000 \CURRENCY{} per month and than 25'000
 \CURRENCY{} per year ensure compliance with article 49-2c.
+
+SMS-Identification is done by in-house software. KYC data is initially
+obtained and vetted by one of several external KYC providers before
+being passed for manual validation by our own staff who can then
+determine appropriate AML thresholds and set review criteria.
diff --git a/doc/flows/kyc-push.tex b/doc/flows/kyc-push.tex
index 93a6fdaa..44defcf8 100644
--- a/doc/flows/kyc-push.tex
+++ b/doc/flows/kyc-push.tex
@@ -72,13 +72,19 @@
   \caption{Settings for the push payment trigger. Note that the operation
   must satisfy all of the given rules.}
   \begin{tabular}{l|l|r}
-    {\bf Setting}             & {\bf Type}     & {\bf Value} \\ \hline \hline
-    Permitted phone numbers   & Dialing prefix & {\em +41} \\
-    P2P KYC threshold         & Amount/month   & {\em  1000 CHF} \\
-    P2P KYC threshold         & Amount/year    & {\em  5000 CHF} \\
-    Default P2P AML threshold & Amount/month   & {\em  2500 CHF} \\
+    {\bf Setting}             & {\bf Type}     & {\bf Value}     \\ \hline 
\hline
+    Permitted phone numbers   & Dialing prefix & {\em +41}       \\
+    SMS-Identification        & Amount/month   & {\em     0 CHF} \\
+    P2P KYC threshold         & Amount/month   & {\em  5000 CHF} \\
+    P2P KYC threshold         & Amount/year    & {\em 25000 CHF} \\
+    Default P2P AML threshold & Amount/month   & {\em  5000 CHF} \\
   \end{tabular}
 \end{table}
 
-The P2P KYC thresholds of 1'000 \CURRENCY{} per month and than 5'000
+The P2P KYC thresholds of 5'000 \CURRENCY{} per month and than 25'000
 \CURRENCY{} per year ensure compliance with article 49-2c.
+
+SMS-Identification is done by in-house software. KYC data is initially
+obtained and vetted by one of several external KYC providers before
+being passed for manual validation by our own staff who can then
+determine appropriate AML thresholds and set review criteria.
diff --git a/doc/flows/kyc-withdraw.tex b/doc/flows/kyc-withdraw.tex
index 93e69f84..5bb9c9b2 100644
--- a/doc/flows/kyc-withdraw.tex
+++ b/doc/flows/kyc-withdraw.tex
@@ -41,15 +41,18 @@
   \caption{Settings for the withdraw trigger. Note that the operation
   must satisfy all of the given rules.} \label{table:kyc:withdraw:settings}
   \begin{tabular}{l|l|r}
-    {\bf Setting}            & {\bf Type}         &  {\bf Value} \\ \hline 
\hline
-    Allowed bank accounts    & RFC 8905 RegEx     &  {\em CH*} \\ \hline
-    SMS-Identification       & Amount/month       &  {\em 200 CHF} \\
-    Withdraw limit           & Amount/month       &  {\em 5000 CHF} \\
+    {\bf Setting}            & {\bf Type}         &  {\bf Value}     \\ \hline 
\hline
+    Allowed bank accounts    & RFC 8905 RegEx     &  {\em CH*}       \\ \hline
+    SMS-Identification       & Amount/month       &  {\em 200 CHF}   \\
+    Withdraw limit           & Amount/month       &  {\em 5000 CHF}  \\
     Withdraw limit           & Amount/year        &  {\em 25000 CHF} \\
-    Bounce period            & Delay              &  1 month \\
+    Bounce period            & Delay              &  1 month         \\
   \end{tabular}
 \end{table}
 
 The limit of 200 \CURRENCY{} results from article 48-2.  Strictly limiting
 withdrawals to less than 5'000 \CURRENCY{} per month and less than 25'000
 \CURRENCY{} per year assures compliance with article 48-1c.
+
+SMS-Identification is done by in-house software.  Withdraw limits are
+hard and cannot be raised even if the customer is known.
diff --git a/doc/flows/main.tex b/doc/flows/main.tex
index 400403a9..48265288 100644
--- a/doc/flows/main.tex
+++ b/doc/flows/main.tex
@@ -66,10 +66,10 @@ For customers, we will categorically limit of digital cash 
withdrawn per month
 to less than CHF 5'000 per month and less than CHF 25'000 per year, thus
 ensuring that consumers remain below the thresholds where most regulatory
 processes become applicable.  Payments between users will be limited
-to receiving less than CHF 1'000 per month and less than CHF 5'000 per year.
+to receiving less than CHF 2'500 per month and less than CHF 25'000 per year.
 We will ensure that customers are Swiss
 (see Section~\ref{sec:proc:domestic}) by requiring them to have a Swiss bank
-account and/or Swiss phone number (+41-prefix).
+account and/or a Swiss phone number (+41-prefix).
 %Furthermore, the wallet will
 %impose an upper limit of CHF 5000 on its balance at any point in time.
 

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