⚠ Policy Update — action required within 10 business days (by Sep 29, 2026)
Withdrawal Security Update · Updated Policy Agreement

An important update to how
withdrawals are protected

Due to new regulatory requirements, we're updating our withdrawal security controls and policy agreement. Your funds are safe and fully accessible — this update changes how withdrawals are authorized, not your balance or custody.

See What's Changing ↓
Action required by Tuesday, September 29, 2026
10 business days from notice date · 23:59 UTC
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Your funds and assets are completely unaffected.

This update introduces additional verification steps for withdrawals. Your balance, your private keys, and your ability to send funds remain fully under your control at all times. Nothing is being frozen, moved, or re-custodied.

The honest explanation

Why is this happening?

We know policy updates are annoying. Here's the plain-language version of what's going on — no legalese.

A Regulatory requirements changed

Financial regulators in several jurisdictions have introduced updated anti-money-laundering (AML/CFT) rules for digital asset services, including stricter verification standards for withdrawal destinations. To keep our service available in your region, we must comply with these requirements.

B We want your account harder to drain

Most account losses in crypto don't come from blockchain attacks — they come from stolen credentials. Requiring confirmation for new withdrawal addresses means that even if someone gets your password, they can't instantly send your funds to their own wallet.

C It aligns with industry standards

Withdrawal address verification and brief holds on newly added addresses are now standard practice across major exchanges and wallet services. This update brings us in line with the protections users expect everywhere else.

D Nothing changes about your privacy on-chain

Monero's core privacy guarantees are untouched. These controls apply to the account layer of our service — not to the Monero protocol itself. Your on-chain transactions remain private and untraceable as always.

What exactly is changing

Two things are being updated

Withdrawal Security Update

New protections on every withdrawal

  • Address verification — new withdrawal addresses must be confirmed via email or 2FA before first use.
  • 24-hour hold — a brief security delay applies to the first withdrawal to any newly added address.
  • Trusted address list — optionally lock withdrawals to an allowlist of addresses you control.
  • Withdrawal notifications — instant alerts on every withdrawal request so you can flag anything you didn't initiate.
Updated Policy Agreement

Agreement updated for regulatory changes

  • Section 4.2 — withdrawal verification requirements added to comply with updated AML/CFT rules.
  • Section 9.1 — records retention periods updated to match new regulatory standards.
  • Section 11.3 — account restriction clause for non-compliance with mandatory security updates.
  • Section 2.4 — clarified that custody of funds never changes hands.
What happens if you don't act?

These are mandatory updates. Accounts that haven't acknowledged the new agreement within 10 business days (by September 29, 2026) may have withdrawals restricted until the agreement is accepted. Your funds always remain yours — a restriction only pauses outgoing transfers, and is lifted immediately once you accept.

It takes about 2 minutes

What you need to do

01

Read the updated agreement

Open the updated policy document below. Key changes are highlighted so you don't have to read all 14 pages.

02

Accept the updated terms

Click "Accept" at the bottom of the document. If you manage multiple accounts, each one must accept separately.

03

Verify your contact method

Confirm your email or 2FA is still active — that's how you'll approve new withdrawal addresses going forward.

Official document

Updated Policy Agreement — Summary of Changes

📄 Document: Monero Terms of Service v3.1 Effective: October 1, 2026 Previous: v3.0 (March 2025)

4.2 Withdrawal Verification NEW

All withdrawals to an address not previously verified by the account holder must be confirmed through the registered email or two-factor authentication. A security hold of up to 24 hours applies to first-time withdrawal addresses. These measures are required to comply with applicable anti-money-laundering and counter-terrorism-financing regulations.

9.1 Records Retention UPDATED

Account and transaction records will be retained for three (3) years five (5) years following account closure, as required by updated regulatory standards in applicable jurisdictions.

11.3 Non-Compliance NEW

Accounts that do not acknowledge mandatory policy updates within the stated notice period may have withdrawal functionality restricted until acknowledgment is completed. Restrictions do not affect account balances, deposits, or the account holder's ownership of funds.

2.4 Custody UPDATED

Clarified that the account holder always retains full ownership and custody of funds; policy updates never transfer, freeze, or encumber user assets.

Questions, answered

Frequently asked questions

Is my money safe? Is anything being frozen?
Yes — your funds are safe and nothing is being frozen or moved. This update only adds verification steps when you add a new withdrawal address. Your existing trusted addresses keep working as normal, and even restricted accounts retain full ownership of their balance at all times.
Do I need to do anything before September 29, 2026?
Yes. You need to read and accept the updated agreement — it takes about two minutes. If you don't, your withdrawal function may be paused until you accept. Deposits and your balance are never affected by the restriction.
Why 10 business days instead of longer?
The regulatory changes we're complying with require these controls to be in force by early October. The 10-business-day window is the maximum notice period that still lets us meet that legal deadline. If you need help completing acceptance, contact support before the deadline.
Does this affect Monero's privacy features?
No. These controls exist at the account level of our service. The Monero protocol itself — ring signatures, stealth addresses, and confidential transactions — is unchanged. Your on-chain activity remains private.
What if I miss the deadline?
Nothing is lost. Your account and funds stay exactly where they are — you'll simply be prompted to accept the updated agreement the next time you log in, and withdrawals will resume immediately afterward.

Review and accept by September 29, 2026

Takes about two minutes. Your funds stay safe and fully yours throughout.