Institutional Policies

1. Terms of Service

These Terms of Service ("Terms") govern access to and use of the BTCMiami network of physical armored ATM terminal kiosks, digital Web3 exchange pairing portals, and dynamic liquidity aggregation calculators.

BTCMiami operates as a fully registered Money Services Business under the regulatory jurisdiction of the Financial Crimes Enforcement Network (FinCEN registration #310002889211). By connecting a Web3 wallet, setting up a transaction token pass, or pairing an ATM terminal, you explicitly agree to these institutional terms.

ATM pairing lock window: All online liquidity exchange swaps configured on this portal are guaranteed at the locked rate for exactly 15 minutes. To maintain rate compliance, your on-chain deposit must be validated and paired terminal scanning initiated before the countdown expires. Unscanned swaps are subject to recalculation at current global market rates.

• Users must be at least 18 years of age and possess a valid, verifiable legal identity.
• You confirm that you maintain absolute secure custody of the Web3 assets routed to our terminals.
• We reserve the right to suspend terminal pairings if high-risk transaction hashes are identified.

2. Privacy Policy

Privacy in decentralized finance is fundamental. BTCMiami utilizes localized security hashing parameters to verify customer identifications without maintaining centralized directories of document scans or wallet keys.

Data Minimization Protocols: All phone verifications, document indexes, and wallet public address histories are encrypted locally at the ATM terminal using AES-256 standards. Our database does not store, share, or log your cryptographic signature details.

We compile aggregate operational metrics, including cash ATM balances, regional ATM terminal velocities, and on-chain swap speeds, solely to coordinate armored transport logistics (Brink's) and maintain cash liquidity pools across Miami.

3. AML & KYC Compliance

BTCMiami enforces a comprehensive, SOC2-audited Anti-Money Laundering (AML) and Know Your Customer (KYC) program in compliance with the Bank Secrecy Act (BSA) and FinCEN Money Services guidelines.

Mandatory Identification Thresholds:

• Tier 1 (Under $1,000 USD Daily): Requires SMS verification and dynamic terminal pairing lock. No document scan required.
• Tier 2 ($1,000 to $9,999 USD Daily): Requires optical scanning of government-issued photo ID at the paired ATM's dual-camera array and instant sanctions screening.
• Tier 3 ($10,000+ USD Daily): Requires advanced online verification, multi-signature wallet verification, and filing of a Currency Transaction Report (CTR) where physical cash is dispensed.

Attempting to bypass daily verification thresholds by initiating multiple transactions (structuring) constitutes a federal BSA violation. Suspicious activity instantly locks paired wallets and initiates transaction retention codes.

4. Risk & Vault Disclosures

Trading, buying, or selling cryptographic assets carries a high level of market volatility risk. Users are advised to review transaction parameters before executing on-chain transfers.

Lloyd's of London Underwriting: While physical assets and cash reserves inside our 50+ ATM kiosks are underwritten for up to $10,000,000 against theft or breach, this insurance does not protect users from coin devaluation or global market crashes. Our total liquidity pools maintain institutional backing, exceeding 38.82 BTC and equivalent values in all other currencies.

Immutable Settlement: Once a transaction signature is validated on the blockchain ledger, the swap is final and absolute. BTCMiami is not liable for coin transfers routed to incorrect network smart contracts, expired wallet addresses, or unauthorized terminal locations.