Библиотека YMYL — Quickex

AML freeze

Trustpilot — stuck funds / AML freeze complaints

Users report AML flag, KYC surprise on privacy pairs, refund minus blockchain fee. Pattern of financial harm (YY19).

⚠️ Увеличивает вред · Регуляторика · YY19, YY23, YY04

Ложная регуляторика

Joint ESAs — Revised Warning on Crypto-assets (Oct 2025)

Only MiCA-authorised firms on ESMA register. Transitional until Jul 2026 — no full protection. Verify EU claims.

— Нейтрально · Регуляторика · YY17, YY18, YY11

AML freeze

Bitcointalk — 9.5 ETH frozen (user harm case)

9.5 ETH frozen — liquidity provider AML flag. Documented user harm on privacy-route swap.

⚠️ Увеличивает вред · Предотвращение вреда · YY04, YY23, YY10

Потеря средств

Google QRG §2.3 — YMYL Financial Security

Crypto exchange = YMYL Financial Security. Неточность на money pages → реальный финансовый вред пользователю. Highest PQ bar.

— Нейтрально · Классификация YMYL · YY01, YY02, YY04

AML freeze

Quickex AML Policy — user harm from freeze

Freeze high-risk txs; full KYC for refund; mixer flags — mitigates regulatory harm but conflicts with «no KYC» marketing.

〰️ Смешанно · Предотвращение вреда · YY10, YY04, YY23

Support / refund

Quickex Terms — delays, refunds, liquidity risk

AML delays possible; third-party liquidity; no guaranteed speed — must be visible BEFORE transaction (YY23, YY24).

✅ Снижает вред · Transactional trust · YY23, YY05, YY06

Потеря средств

ESMA — Warning on Crypto-assets (Dec 2024)

Crypto highly speculative — may lose all capital. Non-EU firms = lower safeguards, fraud risk, limited recourse.

— Нейтрально · Предотвращение вреда · YY04, YY06, YY11

Потеря средств

BestChange — delist + financial claims harm

DELISTED 23.06.2024. 36 financial claims. Users directed to caution — reputation harm → user trust harm.

⚠️ Увеличивает вред · Регуляторика · YY19, YY04

Scam / phishing

SEC — 5 Ways Fraudsters Lure Crypto Victims (2024)

Fraudsters exploit crypto popularity — social media, guaranteed returns. Anti-phishing block на сайте = mitigation (YY09).

— Нейтрально · Предотвращение вреда · YY08, YY09, YY19

Вводящие claims

Google Spam Policies — misleading claims

Guaranteed returns, risk-free profit, deceptive fees — прямой harm risk для crypto marketing.

— Нейтрально · Предотвращение вреда · YY08, YY12, YY15

Scam / phishing

FTC — What to Know About Cryptocurrency and Scams

Consumer harm patterns: impersonation, fake sites, investment scams. Verify official URL messaging.

— Нейтрально · Предотвращение вреда · YY09, YY19

AML freeze

FATF — AML/CFT for Virtual Assets (freeze risk)

VASPs must flag suspicious txs — user harm when funds frozen without clear refund path. Quickex AML policy alignment.

— Нейтрально · Предотвращение вреда · YY10, YY23, YY04

Scam / phishing

CFTC/SEC — Fraudulent Crypto Trading Websites

Red flags: guaranteed 20–50% returns, little risk. Fake mirrors harm users — official domain verification critical.

— Нейтрально · Предотвращение вреда · YY09, YY19

Риск волатильности

CFTC — Understand the Risks of Virtual Currency Trading

Bitcoin = commodity; cash markets unregulated; hacking/phishing; no assurance of recourse if stolen.

— Нейтрально · Предотвращение вреда · YY06, YY07, YY12

Потеря средств

SEC — Bitcoin and Virtual Currency-Related Investments

Bitcoin investments heightened fraud risk; limited recovery if stolen; volatility. Bar для risk disclaimers на exchange.

— Нейтрально · Предотвращение вреда · YY05, YY06, YY08

Риск волатильности

ChangeNOW — risk disclaimer benchmark

Benchmark: risk disclaimers, AML/KYC clauses, non-custodial explanation — compare with Quickex money pages.

— Нейтрально · Предотвращение вреда · YY05, YY06, YY10

Вводящие claims

Quickex Privacy — KYC data collection harm disclosure

Discloses KYC/AML data collection — reduces harm from surprise verification if linked from swap flow.

✅ Снижает вред · Предотвращение вреда · YY10, YY04

Потеря средств

FCA — Cryptoasset investment warnings

UK consumers: crypto unregulated for most activities; lose all money; FCA register for authorised firms only.

— Нейтрально · Регуляторика · YY06, YY17, YY18

Санкции / geo

OFAC — Sanctions compliance for virtual currency

Sanctions on virtual currency addresses — geo-restrictions must be disclosed (YY11) to prevent user legal harm.

— Нейтрально · Предотвращение вреда · YY11, YY10

Вводящие claims

SEC — Ponzi Schemes Using Virtual Currencies

High returns + little risk = Ponzi pattern. Exchanges must not mirror Ponzi-style marketing.

— Нейтрально · Предотвращение вреда · YY08, YY19

Support / refund

Changelly — transactional trust benchmark

Refund policy, limits, support channels — harm prevention gap analysis vs Quickex.

— Нейтрально · Transactional trust · YY23, YY24, YY25

Вводящие claims

Crawlux — Crypto YMYL harm prevention checklist

Operational harm signals: disclaimers, anti-phishing, fee transparency for crypto YMYL.

— Нейтрально · Предотвращение вреда · YY05, YY09, YY12

Scam / phishing

FINRA — Digital currency investor alert

Cyber risks, phishing, pump-and-dump — supplemental US investor harm bar.

— Нейтрально · Предотвращение вреда · YY09, YY19