General information, not legal or tax advice. Rules change; check the authorities in your country. Status 23 October 2026.
AML rules apply to the businesses in the middle: banks, exchanges and custodians. They must know their customers (kyc), keep records and report suspicious transactions to authorities.
What it does not cover
The Bitcoin protocol has no customer list. AML law applies when you use a regulated service, not when you run your own wallet.