> For the complete documentation index, see [llms.txt](https://bxpay.gitbook.io/bxpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bxpay.gitbook.io/bxpay/using-bxpay/account-policies-and-limits.md).

# Account Policies & Limits

### Regulatory Compliance

To ensure secure and compliant use of BXPay services:

* KYC verification is required for all users.\
  \&#xNAN;*VPNs must be disabled during KYC to ensure accurate verification.*
* AML monitoring follows established international standards for card programs.

### 🌍 Supported & Restricted Countries

Availability varies based on regulatory and card-network requirements.

* Virtual Card: Certain regions may have restrictions based on regulatory and card-network requirements.
* Physical Card: *Availability depends on regulatory and compliance restrictions specific to each region.*

### ⛔ Usage Limits

#### ATM Withdrawal Limits:

* Velar (Virtual): up to $1,000/day, depending on verification level and local ATM policies
* Ascend (Plastic + Bank): up to $3,000/day, depending on verification level and local ATM policies
* Legatus (Metal + Bank): up to $8,000/day, depending on verification level and local ATM policies
* Maximum withdrawals: 10 per day

#### POS / Online Spending Limits:

* Velar: up to $5,000 per transaction
* Ascend: up to $100,000 per transaction *(subject to compliance review)*
* Legatus: up to $250,000 per transaction *(subject to compliance review)*

{% hint style="info" %}
Note:\
\- Higher tiers provide access to elevated spending capacities *based on verification and compliance review.*\
\- Transactions may be declined on websites without 3DS verification or in high-risk categories.
{% endhint %}

### Region-Specific Notes for Russian Users

* Card access may vary depending on network options available under regional regulatory conditions.
* UnionPay may be the preferred network inside Russia, depending on regional network acceptance.
* Cards cannot be shipped to Russia due to logistics and compliance restrictions.
* Cards must be used in countries where the selected network is supported.


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