Yan from Owner.One

One day, by a unilateral decision of the bank, the client lost access to their capital and assets. Formally, they are still the client’s property, but without the ability to manage them. Presumption of innocence? Forget it — FATF has nullified that. Your capital is not really yours actually. Banks or brokers can impose restrictive measures if they have “reasonable doubts.” Compliance departments don’t answer to bank management but directly to national regulators, and your manager can’t help. The burden of proof isn’t on the bank but on the client, who must prove the legal origin of their assets and maintain ownership continuity. The client will need to gather and submit extensive documentation, yet there’s no guarantee the authorities will be satisfied. And there’s no turning back — you can’t just say, “Give me my money back, I’ll go elsewhere.” Funds could simply be frozen, blocking any transfers, even to your own accounts.