Structuring
Structuring is the practice of splitting one large transaction into multiple smaller ones to stay below a reporting threshold. It is a criminal offense in most jurisdictions even if the underlying transaction is legitimate. Ounceo aggregates orders per shipping address across a rolling 30-day window to prevent inadvertent or intentional structuring.
If you would owe KYC on a $10,000 order, splitting into two $5,000 orders does not legally change anything — that is structuring, and it is a separate offense from the underlying transaction. US Bank Secrecy Act §5324, UK POCA, EU AMLD6 all prohibit it.
Ounceo applies cumulative aggregation: orders to the same shipping address are summed across a 30-day window. Above $10,000 cumulative, KYC is triggered regardless of single-order size.
Related terms
AML thresholds are the order or cumulative-value amounts above which a precious-metals dealer is legally required to verify customer identity. Common triggers: €10,000 EU AMLD6, $10,000 US FinCEN, CHF 15,000 Switzerland, AED 55,000 UAE. Ounceo applies $5,000 per order, safely below every major threshold.
KYC is the identity-verification process required by AML law for transactions above the dealer threshold. Typical KYC: photo ID (passport or national ID) + a selfie matching the ID. At Ounceo, KYC is required for orders above $5,000, or cumulative orders above $10,000 in 30 days to the same address.