Artikel 18 Bewertung und Verdachtsmeldung

This brief but important article connects the information requirements established earlier in the regulation to the broader anti-money laundering framework.

It places an obligation on the beneficiary's crypto-asset service provider to treat missing or incomplete originator or beneficiary information as a red flag when conducting suspicion assessments, and to factor this into decisions about whether to file a report with the Financial Intelligence Unit under Directive (EU) 2015/849.

Important points:

• As the crypto-asset service provider of the beneficiary, treat missing or incomplete information on the originator or beneficiary as a factor in assessing whether a transfer is suspicious.
• This suspicion assessment covers not just the transfer itself but also any related transaction.
• Where a transfer is deemed suspicious, the obligation to report to the FIU is governed by Directive (EU) 2015/849.