EDD document requirements

Enhanced Due Diligence (EDD) is an extra verification step required under AML and CFT regulations. It confirms that a user’s activity, source of funds, and transaction purpose are legitimate. EDD reviews usually complete in 24 to 48 hours. For the API calls, limits and statuses, see Limits and EDD. The purpose values in POST /payin/edd/save match the rows in the table below.

When EDD is triggered

EDD can be triggered for both Onramp (Payin) or Offramp (Payout) flows when any of the following occur:

A transaction volume threshold is reached
A suspicious activity or red flag indicator is detected
The user asks for a higher daily limit

Documents required for EDD

The documents required depend on the declared purpose of the user’s crypto activities.

Purpose	Documents required
Investment	Trade statements or investment portfolios from crypto platforms showing holdings and personal details, AND documents showing crypto activities (ICO, staking, DeFi), OR last year’s ITR or AIS, OR Net Worth Certificate. Documents (except tax statements) must be issued within the last 3 months and cover at least 1 year. Tax documents should cover the latest tax year.
Trading	Account statements and trade history from all crypto platforms showing holdings, personal details, dates, assets, and transaction amounts, AND deposit and withdrawal records, AND proof of trading capital origin. Documents must be issued within the last 3 months and cover at least 1 year.
Payments	Contracts, invoices, or payment receipts including your name and the recipient’s name with details of goods or services (e.g., freelancing, consulting).
Lending or repayments	Signed loan agreement or repayment declaration with names, amounts, purpose, and terms.
Gifting	Legally executed gift deed or signed declaration letter identifying the donor, recipient, and gift purpose.
Donations or charity	Official donation receipt or acknowledgment from a registered Indian NGO specifying purpose and beneficiary.
Remittance	Signed declaration with the recipient’s name, relationship, correspondence, remittance amount, and purpose (e.g., family support, education, medical expenses).
Legal settlements	Settlement agreements or legal documents involving crypto transfers (e.g., divorce, inheritance, business settlements).

EDD failure reasons

Under the “Prohibition of Tipping Off” clause in FIU India’s AML/CFT guidelines, we may not be able to share exact reasons for EDD failures. Disclosing specific reasons could allow users to manipulate documents or responses to bypass compliance checks.

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EDD document requirements

When EDD is triggered

Documents required for EDD

EDD failure reasons

​When EDD is triggered

​Documents required for EDD

​EDD failure reasons

When EDD is triggered

Documents required for EDD

EDD failure reasons