Kazakhstan has updated its financial monitoring rules — meaning tighter oversight of transactions that may be linked to money laundering, fraud or illegal financial activity, DKNews.kz reports.
Under an order issued by the Agency for Financial Monitoring on December 23, 2025:
- the document has been renamed
- the reporting procedures were updated
- the list of “suspicious activity” indicators was expanded
The new rules take effect on April 1, 2026.
The rules have been rewritten from scratch
The document is now officially titled:
Rules for providing information on financial transactions and suspicious client activity, and indicators for identifying suspicious operations.
In short: oversight becomes more detailed and systematic.
What data can be requested on digital assets?
If the AFM sends a request related to digital assets (crypto platforms, exchanges, etc.), platforms must provide extensive information.
About the client:
- registration photo
- ID data or scan
- personal ID number
- registration date and time
- phone number
- email address
- residential address
- residency status
- bank details
- date of user agreement
- IP addresses
- device used
- account number
- assigned risk level
About transactions:
- balances across all products (Spot, Futures, NFT, DeFi, etc.)
- full transaction history, deposits/withdrawals, P2P, OTC
- linked bank cards
- precise timestamps for every operation
- IP addresses and geolocation
- mining activity (assets, pools, wallets)
Similar information can be requested from legal entities as well.
What counts as “suspicious” now?
The list has significantly expanded. Key indicators include:
- payments that don’t match income or lifestyle
- assets registered under third parties
- fake or fictitious business transactions
- large turnovers with no real activity
- offshore structures and complex ownership chains
- risky crypto operations
- frequent cash withdrawals, especially abroad
- foreign trade payments without economic sense
- transfers through high-risk jurisdictions
- unusual securities transactions
- attempts to hide the illegal origin of money
- cross-border withdrawals
- questionable charity flows
- repeated small transactions below reporting thresholds
- cash purchases of expensive property
- investments with no visible income source
- any operations that simply don’t make sense
In other words: if a transaction looks illogical or doesn’t match the client’s profile — it will be checked.
Why is this being done?
The state is tightening control over:
- crypto
- shadow schemes
- cashing-out networks
- offshore chains
- dubious charity flows
For ordinary people this means:
- if everything is legal — nothing to worry about.
- if something looks suspicious — expect questions.
