On the ordinary path, nothing happens: a Blomo virtual card involves no identity documents at sign-up, at top-up, at issue or at payment, and section 6 of the terms does not change that. What section 6 covers is the origin of specific funds, not who you are. It applies when a top-up raises a sanctions or anti-money-laundering question, and what follows is set out below using only what the terms actually say — including the places where they deliberately leave room.
Section 6 is about the money, not about you
The terms separate the two questions on purpose, and section 4 says so in one sentence: “It concerns the origin of specific funds, not your identity, and it can apply to a virtual-card account that has never been asked for a document.”
The absence of documents is a term of the agreement, not a promotion. Section 4 of the terms states that virtual cards require no identity documents — “not at sign-up, not at top-up, not at issue, and not at payment.” That is a written commitment, not an introductory offer that expires. Physical cards are the stated exception, and the requirement there belongs to the partner issuer that manufactures a named card for a named person.
So the two things a reader usually merges are separate. A check under section 6 asks where a particular transfer came from. Identity verification asks who you are. Passing one has nothing to do with the other.
Checking incoming funds is an obligation, not a Blomo preference
Section 6 opens with the reason: “We do not accept the proceeds of crime, and we will not be a route for laundering them.”
That is not a position Blomo invented for itself. In the European Union, Regulation (EU) 2023/1113 has required crypto-asset service providers to collect and check information on the transfers they handle since 30 December 2024 (EUR-Lex, retrieved 13 September 2026). Every serious provider in this market operates under a version of that duty, and the ones that do not tend not to keep a card issuer for long.
The second reason is structural. Section 2 of the terms says plainly that Blomo is not a bank and is not the issuer of the cards: cards come from a partner issuer, and that issuer sets the rules that apply to the card. A provider that accepted anything at all would be spending its issuer’s licence, not its own.
You have already met the routine check: it is the hold when you order a card
Section 6 reserves the right to check funds “before they are moved to our master wallets”, and it names the moment that happens: when you order a card, your balance is held. The terms give the hold two jobs at once — confirming that the balance meets the entry threshold of the card you chose, and completing checks on the funds before they reach Blomo’s master wallets.
Three facts about that hold are worth having separately, because each one gets asked on its own.
- The hold covers your whole available balance, not only the entry threshold. That is section 7 of the terms, and it is how the code behaves: ordering a card moves the entire available balance to a hold account in the ledger.
- The hold lasts until activation, which is a later step than issue. Your card details can already be in front of you while the balance is still held. It is released on activation, and also if an operator declines the request; there is no way to cancel a request yourself.
- Top-ups that arrive after you ordered the card are not part of the hold. The hold is a snapshot of the balance at the second you ordered, so later deposits stay spendable.
Section 6 then says what the ordinary ending looks like: “If the checks pass, the card is issued and then activated, and your entire balance — including the held amount — becomes available to spend.” The entry threshold is an entry requirement, not a deposit, and nothing stays locked after activation.
What turns a check into questions
The terms name the circumstances rather than the signals: “exposure to sanctions, anti-money-laundering concerns, funds reported as stolen, or indications of laundering or the legalisation of unlawfully obtained assets.” When one of those arises, section 6 says the check is extended and Blomo will ask for further evidence.
Two other sections open a check on their own facts, and both are about card use rather than about a deposit. Section 10 says that use of a card, or an attempt to issue one, in an unsupported territory opens a check, and that an attempted payment to a service located in a sanctioned territory freezes the account until the circumstances are established. Section 12 says that if you do not report a compromise and Blomo sees suspicious attempts to spend, the account is frozen and Blomo contacts you.
What can be asked, and what the terms leave open
Section 6 lists three kinds of evidence, and it introduces them with “depending on the case, that may include”:
- confirmation of the source of the funds;
- confirmation that you control the wallet the funds were sent from;
- a statement, given by you, that you funded the account yourself and without the involvement of third parties.
That list is illustrative, not exhaustive, and it is more honest to say so than to invent a procedure. The terms settle the question a different way: “The evidence required in a particular case is the list our compliance review asks you for. Only that list closes the case; material we did not ask for does not.” In practice that means one thing you can act on — send what was asked for, and do not send more in the hope that volume helps, because it does not close the case.
Note what the third item is. A statement you write yourself is not a document issued by a state. Section 6 can be satisfied without a passport ever entering the conversation, which is exactly why it is not KYC by another name.
What Blomo will not tell you, and why
This part is stated in the terms rather than left to be discovered: “We do not disclose how our checks work.” Which signals are acted on, which tools are used and what thresholds apply are not published and are not explained on request.
The reasoning is given in the same paragraph: publishing them would tell the people these checks exist for exactly what to avoid, and would make the checks worthless for everyone else. The consequence for an ordinary user is spelled out twice more, in section 7 and section 18 — Blomo tells you that a check is open, and does not tell you what triggered it.
What happens to the money while the question is open
Section 18 is the sentence to hold on to: “Where a freeze follows from a check, its duration is the duration of the check.” A freeze is not a separate penalty with a clock of its own; it lasts as long as the question does.
The terms name no maximum duration for a check, and that is a real gap rather than an oversight in this article. They set explicit timelines elsewhere in the document and none here. If a check opens on your funds, the honest expectation is the one the terms give: it ends when it is answered.
One boundary is worth knowing before you need it. Section 16 says that section 6 concerns the Blomo balance and gives Blomo no ability to move funds held in a Blomo Wallet, “because no such ability exists” — the wallet is non-custodial, its key is created on your device, and a check on the balance does not reach it.
The four ways a check ends
Section 6 sets out the outcomes under its own subheading, and they are worth reading as four distinct paths rather than one.
| Outcome | What the terms say happens |
|---|---|
| You provided what compliance asked for and it was accepted | The review is closed, the card is issued and the balance is available. |
| You decline the check | Blomo may open an investigation. Until the circumstances are established, the account and everything on it is frozen. |
| The investigation finds nothing, but you continue to decline to cooperate | The account is permanently closed and the funds are returned to the address they came from — personal wallet, cold wallet or exchange, with a return to an exchange address at your own risk. |
| The investigation confirms an unlawful origin or purpose | The account is blocked permanently and without a right of withdrawal, and the funds are released only at the request of the competent authorities. |
The last row is the one people ask about most, and it is worth reading precisely. It applies where an investigation has confirmed an unlawful origin or purpose — not where a check merely opened, and not where a question was answered.
A stuck top-up is usually not a section 6 check
Most top-ups that do not appear on the balance are held up by arithmetic, not by compliance, and the two look identical from the outside. Blomo credits a top-up automatically when the amount matches the request within a tolerance of 1 USDT; a larger shortfall goes to manual review instead, and so does anything below the 50 USDT minimum top-up. Both figures are settings in Blomo’s own payment code, the same ones the fee table publishes.
The other common causes are the wrong network, an expired request, and a transfer that is still unconfirmed on the sending side. How long a top-up takes to arrive works through all of them in the order they actually occur.
Quick answers
Does Blomo ask for documents to top up? No. The terms state that virtual cards require no identity documents at sign-up, at top-up, at issue or at payment.
What is section 6 then? It is a check on the origin of specific funds. Section 4 of the terms says it is separate from identity verification and can apply to an account that has never been asked for a document.
When does a check become questions? When a top-up raises exposure to sanctions, anti-money-laundering concerns, funds reported as stolen, or indications of laundering, in the words of section 6.
What can I be asked for? Confirmation of the source of the funds, confirmation that you control the sending wallet, or a written statement that you funded the account yourself. The terms present that list as examples and say the binding list is the one compliance asks you for.
Is my balance frozen during a check? Ordering a card holds your whole available balance until activation in the ordinary case. Where a freeze follows from a check, section 18 says its duration is the duration of the check.
How long can a check take? The terms set no maximum. That is a gap in the document, and no timeline should be inferred from anything else on this site.
Will Blomo tell me what triggered it? No. The terms say Blomo tells you that a check is open and does not explain what set it off, because publishing the signals would make the checks useless.
Read on
- Terms of Service, section 6 — the text this page describes, in full and unabridged.
- What protects an account and the money on it — two-factor authentication, card data that never reaches Blomo, an append-only ledger.
- Getting started — the five steps from an empty account to a card that pays, with the threshold at each one.
- How long a top-up takes to arrive — the ordinary reasons a deposit is late, none of which are compliance.