“A good bet on a match is like sprinkling chili on a dish; it’s great on its own, but that extra heat makes every play sizzle”. That’s what my dad used to say whenever he watched a football game on Saturday evenings. It kept coming back to me while writing this Cloudbet review, because I know he would’ve loved a platform like this.
I can already hear his first question if I told him about it: “What is Cloudbet, son?” It’s an online betting site that mixes sports betting with casino games, with cryptocurrencies at the center of it all. It also comes with a user-friendly interface that lets you move around easily without getting lost in a maze of menus.
But then he’d follow up: “Is Cloudbet legit and secure, since you’re bringing up this crypto thing?” That’s a good question, and if you’re wondering the same, let’s just get into it and break everything down.
Verdict at a Glance:
Launched in 2013, Cloudbet has become one of the more established online betting platforms. It offers over 3,000 casino games, along with a solid sportsbook and eSports coverage. The platform supports 40+ cryptocurrencies and includes third-party options to buy crypto. However, there’s no dedicated mobile app, and players from the US, UK, and some other countries cannot access it.
Pros
- Large casino library with 3,000+ games
- Climb-to-earn loyalty program
- Supports 40+ cryptocurrencies
- Clean, easy-to-navigate menu
- Cloudbet Originals with provably fair gameplay
Cons
- No mobile app
- Not available in the US and UK
Table of Contents
- 1. Cloudbet Review: Quick Overview
- 2. Who’s Cloudbet For
- 3. Bonuses and Promotions
- 4. Advantages
- 5. Limitations
- 6. Game Types
- 6.1. Cloudbet Originals
- 6.2. Sports Betting Overview
- 7. Mobile Support
- 8. Payment Methods
- 9. Supported and Restricted Countries
- 10. Customer Support
- 11. Is Cloudbet Safe?
- 12. User Experience
- 13. How to Use Cloudbet
- 13.1. How to Create an Account
- 13.2. How to Deposit
- 13.3. How to Play
- 13.4. How to Withdraw
- 14. Alternatives to Cloudbet
- 14.1. Cloudbet VS 7Bit Casino
- 14.2. Cloudbet VS Jackbit
- 14.3. Cloudbet VS CryptoCasino
- 15. Conclusions
Cloudbet Review: Quick Overview
Before I get into my Cloudbet review in more detail, here’s a quick overview table. It lays out the key highlights upfront so you can grasp the essentials before we unpack everything:
Established in | 2013 |
|---|---|
Operator / brand owner | Halcyon Super Holdings |
License and regulator | Curaçao Gaming Authority |
Supported display currencies | 20+ currencies, including USD, EUR, and JPY |
Game categories | Crash, live, slots, roulette, blackjack, baccarat, arcade, and more |
Minimum deposit | Varies by cryptocurrency |
Minimum withdrawal | Varies by cryptocurrency |
Withdrawal fees | Network fees apply |
Withdrawal limits | Level 1: Daily limits apply Level 2: Unlimited |
Typical processing time | Instant in most cases, up to 24 hours |
Payment methods | Crypto, cards, e-wallets, connect wallet or exchange |
Customer support | 24/7 live chat, email, self-service support center |
Table: Cloudbet quick overview
Before we move on, let’s address the big question: Is Cloudbet legit and safe?
My answer is yes, it’s legit and safe. I’ll go into more detail later, but based on its licensing and track record, Cloudbet operates as a regulated online crypto casino.

There also haven’t been any major confirmed Cloudbet hack cases linked to the operator. Still, it’s an offshore crypto gambling site, so don’t go reckless with your deposits. Know the risks, and manage your bankroll wisely.
Latest Cloudbet Coupon Found:Who’s Cloudbet For
I’d say Cloudbet can work for almost any level of players who value the convenience of an online platform. Still, it tends to feel more natural for those who already understand both gambling mechanics and how crypto transactions work:
- Crypto-savvy gamblers. If you’re used to managing funds across crypto wallets or platforms, you shouldn’t run into issues. In fact, making deposits or withdrawals will likely be easier.
- Sports-focused bettors. Besides its huge selection of casino games, Cloudbet also covers a wide range of sports betting, including soccer, basketball, tennis, cricket, and even e-sports.

- High-stakes players. Once you complete identity verification, unlimited withdrawals become available. That means you can withdraw any amount in a day, which is useful if you’re dealing with bigger sums.
Now, I did mention earlier that players of any level can give this platform a shot, and that’s still true. The interface is tidy, and the layout doesn’t throw too much at you. There’s also a decent self-help section that walks through the fundamentals.
But if you’re new to both crypto and gambling, don’t rush and take your time. Read through things properly, understand what you’re clicking, test small, and double-check everything. Eventually, the platform can be a good place to hone your skills.
📚 Check Out: What is a Cryptocurrency?
Did you know?
All Crypto Exchanges may look similar to you but they're NOT all the same!
Bonuses and Promotions
Cloudbet has a pretty interesting “Welcome Package” promotion for new players. It activates once you make your first top-up and lasts for 30 days, during which you can unlock various daily and weekly rewards like:
- Daily Casino Cash Drops. You can place your bets today and get cash bonuses the day after.
- Weekly Sports Cash Drops. If you focus on sports betting, you can qualify for weekly cash drops.
- Casino Rakeback. Cloudbet offers up to 10% rakeback on your total casino betting volume.
- The Cash Vault. A closing cash bonus that increases with your activity throughout the promotion.
The Welcome Package activates automatically once you sign up and make your first deposit. You can earn up to $2,500 in real cash through the program. It ends either when you reach the amount cap or when the 30-day window expires.

You might be asking, “So what happens after the Welcome Package ends?”
As Cloudbet likes to put it, "the 31st day is when things get really good". Once the Welcome Package wraps up, your account is automatically upgraded to Cloudbet Rewards. It’s a separate loyalty program where you can access:
- Turbo Boosted Rakeback. If you’re playing in Turbo mode, your casino bets can qualify for rakeback boosts of up to 25%.
- Level-Up Cash Rewards. As you climb from Silver up to Blue Diamond, each new tier unlocks instant cash rewards.
- Blue Diamond Windfall. Within the Blue Diamond tier, there are additional intra-tier milestones for larger cash rewards.
Even once you’ve unlocked everything, the rewards don’t just stop. You’ll keep getting casino and sports cash drops, plus other extra perks, while you’re on Cloudbet.

From time to time, Cloudbet runs limited-time promotions alongside its regular campaigns. These include, but are not limited to, tournaments and airdrop-style events. For example, Cloudbet recently launched its Originals games with the $5,000 Open House Race, which ran from October 28 to 29, 2026, and rewarded players wagering on Fearshot: Phantom Mansion.
Keep an eye on the promotions page for game-specific competitions and offers.
Advantages
As I went through my research and familiarized myself with the platform, I noticed certain aspects that are worth calling out. It’s my own impression, sure, though it’s interesting how many user Cloudbet reviews online seem to share the same idea on these points:
- Extensive casino and sports selection;
- Tier-based loyalty system;
- Multi-cryptocurrencies support;
- Easy-to-navigate interface.
I was impressed by the size of Cloudbet’s casino library. There are thousands of games available, ranging from slots and classic table games to live dealer titles and crash-style games. The sportsbook is just as extensive, covering football, baseball, tennis, rugby, hockey, and eSports like League of Legends and Dota 2.

If you see yourself playing regularly or betting heavier amounts, the loyalty system will likely catch your eye. It runs across eight tiers, from Bronze all the way to Blue Diamond. Climb the ranks, and you’ll unlock stronger rakeback rates, more cash drops, and other extra benefits.
For high-level players, there’s a dedicated VIP Club that provides customized service and exclusive rewards.
Payments are another point I like about Cloudbet. With support for over 30 cryptocurrencies, deposits and withdrawals are flexible (and discreet). You can use major coins like Bitcoin, Ethereum, Tether, and Dogecoin, as well as smaller assets like Stellar and Hedera.

Lastly, I like how easy the platform is to navigate. Even with a massive game library, the layout stays manageable. The categories are neatly organized, so you rarely get lost. The gaming experience runs smoothly, with stable performance and solid visuals.
Limitations
Of course, no platform out there guarantees a “royal flush” experience. Cloudbet comes with a couple of points that some players might want to weigh up beforehand:
- No dedicated mobile app;
- Restricted access in certain jurisdictions.
Cloudbet doesn’t have a native app for Android or iOS. You can still navigate the website smoothly through your mobile browser, but many modern betting platforms now provide dedicated apps for added convenience. Not a big issue, really, but it does feel like a missed opportunity.

At the time of writing this Cloudbet casino review, the platform doesn’t accept players from several jurisdictions, including the US, the UK, Australia, China, France, and Germany. If you’re based in one of these places, you’ll likely have to consider a locally licensed alternative.
Game Types
I know I’ve mentioned it more than once already in this Cloudbet review, but let me say it again: the library is impressive. It claims to host more than 3,000 games, enough to satisfy just about any player profile. On top of that, everything is structured into three clean sections (Sports, Casino, and eSports) for easy navigation.
The slot library is easily one of the most extensive parts of Cloudbet. It has various slot games from big studios such as Evolution, Relax Gaming, Play'n GO, Big Time Gaming, and Push Gaming, and the lineup keeps expanding with new releases.

Despite the size, navigation doesn’t turn into a mess. The search bar works well, and the filters let you sort by provider, RTP, trending picks, new releases, high-roller games, themes, and other categories to narrow things down quickly.
The live section covers the classics such as blackjack, roulette, and baccarat, plus a few game-show-style tables. There are different stake tiers available, so whether you’re playing small or going bigger, there’s something that should fit your appetite. From my experience, the stream quality also held up pretty well, although performance can vary based on your internet setup.

I’d also say you don’t really need to worry about return-to-player (RTP) transparency. You can simply find it in the game details section by clicking into the title and scrolling a bit. If the game has a high RTP (usually 98% or above), you can often easily spot that on the thumbnail.
Cloudbet Originals
If you want something beyond traditional slots and live dealer games, check Cloudbet Originals, in-house casino games developed specifically for the platform. This section includes a combination of classic formats and the platform's fast-paced game styles, including:
1
Roulette. An instant-play version of roulette where you bet on numbers, colours, or wheel sections. Results are generated automatically, so there’s no need to wait for a physical spin or live dealer.
2
Plinko. Drop a ball onto a peg board and watch it bounce into a payout slot. You can adjust the risk level and number of rows, with potential multipliers varying by landing position.

3
Dice Golden Ticket. A Dice variant with an additional bonus mechanic. Each roll reveals a Golden Ticket position that can trigger an extra multiplier if it meets the game's conditions.
4
Keno. A number-draw game where you select numbers and try to match them against a random draw. Payouts depend on how many numbers you match and how many you select.
These options share the same core principles: instant results, 99% RTP, and provably fair mechanics. Unfortunately, the Cloudbet Originals section may not be available to players in all supported countries, so check with the platform yourself.
Sports Betting Overview
Cloudbet offers pre-match and live betting across a wide range of sports, including football, basketball, tennis, American football, hockey, and MMA. The sportsbook also covers esports, with markets on titles such as Counter-Strike 2, Dota 2, and League of Legends, as well as virtual sports.

Beyond standard match betting, Cloudbet offers a couple of features worth highlighting. Bet Builder lets you combine multiple markets from the same match into one bet, while Whale Mode helps eligible users build larger positions by automating multiple bets on no-limit markets. These tools cater to different betting styles, from combining match outcomes to managing high-stakes wagers.
Cloudbet also has a focus on combat sports through its PFL and Karate Combat partnerships. However, available sports, events, markets, and features can vary, so it’s worth checking the sportsbook directly for current coverage.
Mobile Support
It’s a bit of a bummer to find that Cloudbet doesn’t have a dedicated mobile app. With most betting platforms nowadays offering native apps for improved performance, push alerts, biometric access, and better wallet integration, it does seem a step behind.

Despite that, the browser version on phones works reliably. Yes, the large game catalog means more swiping and scrolling, but performance stays steady. I also didn’t notice any lag or visual issues during gameplay.
Payment Methods
As I’ve mentioned earlier in this Cloudbet review, the platform operates as a crypto-based betting platform. With support for 40+ coins, including big names like BTC, ETH, and USDT, deposits and withdrawals are made easy for anyone already familiar with digital assets.

Even so, Cloudbet partners with third-party services like Swapped to let you deposit with cards, Skrill, or Neteller, depending on your country. The fees will be based on the method you choose, ranging from 1.75%–3.5%. This way, you can "fund" your Cloudbet account with fiat, as the service enables you to choose currency, such as USD, AUD, BRL, and CAD.
Alternatively, connect your Cloudbet account to a compatible wallet or exchange to deposit crypto directly, without having to buy it on the platform first.
Supported and Restricted Countries
Cloudbet runs as a licensed betting platform and remains legally accessible in many parts of the world, including Canada, Norway, Sweden, Ireland, Italy, Denmark, and Switzerland. Its crypto-focused setup also enables more flexible deposits and withdrawals[1] compared to traditional banking systems.
That said, local gambling rules still apply, and certain jurisdictions fall under the Cloudbet restricted countries category:
Region | Countries / Territories |
|---|---|
Europe | Austria, Belgium, France, Germany, Lithuania, Malta, Netherlands, Spain, United Kingdom |
Asia | China (including Macau & Hong Kong SAR), Iran, Myanmar, North Korea, Singapore |
Americas | United States, Cuba |
Other / Special Regions | Australia, Curaçao, Syria, Ukraine (Crimea, Donetsk, Luhansk) |
Table: Cloudbet restricted countries
Note that promotional terms may have their own country exclusions. For example, Cloudbet’s Play with Kevin Hart promotion excludes Sweden, Norway, Italy, and Switzerland, although these countries, although these are Cloudbet's main markets. These are promotion-specific restrictions and don't automatically mean Cloudbet prohibits players from those countries altogether.
Also, Cloudbet retains the right to void bets, in part or entirely, if they are placed from a prohibited jurisdiction. Should your country update its gambling laws and restrict activity afterward, you’ll need to reassess your account and manage any needed withdrawals.
Customer Support
On the customer support front, I’d say Cloudbet does a decent job. You can get around-the-clock assistance through live chat and email, whether you’re dealing with account problems, payment hiccups, or doubts related to possible Cloudbet scams.

From my experience, the live chat works quite well for handling common issues such as deposits, withdrawals, and general account-related questions. If it’s something more specific and not time-sensitive, email support is available, with responses generally sent within a few hours.
I also went through some user Cloudbet reviews about support issues and noticed the feedback was more divided than I anticipated. Even so, I found it notable that the team regularly steps in to reply to complaints and explain their perspective clearly.

Last but not least, there’s also a wide library of self-help documents in the website’s support center. I think it covers a decent range of topics, enough to solve problems on your own if you’re the type who prefers not interacting with support agents.
Is Cloudbet Safe?
I’m comfortable saying that Cloudbet is a legit and safe digital gambling platform. It states to use blockchain-based infrastructure and internal security controls to manage user funds and betting activity.
Although you can start playing right after registration, Cloudbet may later require you to complete account verification. This step complies with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, supporting a safer gambling environment for users.[2]

On top of that, you can unlock the following features once you complete the verification process:
- Higher deposit and withdrawal limits;
- Easier account recovery if you lose access;
- Access to all features, including some rewards and promotions.
The gambling platform has been active since 2013. In that time, there haven’t been any reported major Cloudbet hacks. While no online system is completely risk-free, that track record does suggest a stable operational history.
You can strengthen your Cloudbet account by enabling two-factor authentication (2FA).
From a regulatory standpoint, Cloudbet operates under a Curaçao Gaming license. It’s one of the more established authorities in online gambling.
User Experience
My Cloudbet casino review wouldn’t be a proper one without sharing my firsthand experience. And I’ve got to say, things went smoothly overall, and I actually ended up having quite a bit of fun.

My first impression was that the interface looked refined and easy to navigate. Creating an account didn’t take long at all, which I appreciated. You also have the option to verify your account right away if you’re after higher deposit and withdrawal limits.
Speaking of deposits, adding funds is easy. Since I already know my way around crypto, I topped up my account with some USDT through my wallet without much effort. If you’re new to crypto, you can buy it with regular money, but expect a few additional clicks. Nothing too complicated, though.
I tested a few Cloudbet originals like Dice and Mines, and also tried some popular slots. The games loaded quickly, and I didn’t notice any lag or freezing during gameplay. Unfortunately, my luck wasn’t exactly on my side, so I can’t say I racked up much money. Still, I had a good time trying out the different games.

From start to finish, the platform operated smoothly. Signing up took minutes, funding the account was straightforward, and the games ran without technical hiccups.
How to Use Cloudbet
Now that I’ve shared everything I know in this Cloudbet review, including my firsthand take, you might be tempted to give it a shot. If that’s the case, I’ll break down the full journey, from registration to deposits, gameplay, and withdrawals.
How to Create an Account
Unless you prefer finishing KYC from the get-go, getting your account ready only takes a few minutes. Here’s what the process looks like:
![Cloudbet review: click [Join] on the main page. Cloudbet review: click [Join] on the main page.](https://assets.bitdegree.org/images/cloudbet-review-join.jpg)
![Cloudbet review: enter your email and password, then click on [Get started]. Cloudbet review: enter your email and password, then click on [Get started].](https://assets.bitdegree.org/images/cloudbet-review-email.jpg)


You might run into a Welcome Package nudging you to make a first deposit. You’re free to proceed and follow the steps in the next part if you’d like. Otherwise, skip it and customize your account first.
How to Deposit
Yes, funding your Cloudbet account with crypto is the more direct option. But even with fiat, despite the extra steps involved, the process isn’t complex at all. Here’s how it works:
![Cloudbet review: click on [Add funds]. Cloudbet review: click on [Add funds].](https://assets.bitdegree.org/images/cloudbet-review-deposit-money.jpg)



Once the transaction is confirmed, the funds should appear in your Cloudbet account. If they don’t show up, check whether the payment has been successfully processed by your bank or chosen provider.
How to Play
Once your balance is funded, you’re free to jump into the large selection of casino games or head over to the sportsbook section. Every game has its own mechanics and rules, of course, but the basic flow usually looks like this:



The game runs on a 6x5 grid without standard paylines. If 8 or more identical symbols appear anywhere on the board, you score a win. Those symbols then vanish, and new ones drop in, creating the chance for several wins in a single spin.
You can click the information icon for a more detailed explanation of how the game works.
Keep an eye on the payout displayed after each spin (or after each wager in other games) to track your balance. It can ramp up pretty fast, so I’d suggest you set a spending limit beforehand to keep things under control.
How to Withdraw
Withdrawals from Cloudbet follow the same crypto-based process as account funding. Keep in mind that each cryptocurrency has its own minimum withdrawal requirement. Here are the steps:

- Network
- Address
- Amount
- 2FA code
After double-checking the details, select [Withdraw] to continue.
You’ll also see the network fee charged by the blockchain before confirming.
Following confirmation, expect the withdrawal to be handled within 24 hours. You’ll also be notified by email once it’s processed.
Alternatives to Cloudbet
It’s easy to recommend Cloudbet for its wide game selection and easy withdrawal process. That said, I wouldn’t feel comfortable wrapping up this Cloudbet review without comparing it to other platforms to put things into proper perspective.
Cloudbet VS 7Bit Casino
At first glance, Cloudbet and 7Bit Casino don’t look wildly different. Both greet you with bold interfaces, game-heavy homepages, and layouts designed to pull you straight into action. That said, once you move past the surface, the differences start to show.

From what I found, the main distinction is that 7Bit sticks purely to casino gaming. There’s no sports or eSports section like the one Cloudbet offers. It leans heavily into slots, table games, and live dealer titles.
Launch year | 2014 |
|---|---|
Operator | Dama N.V. |
License & regulator | Curaçao Gaming Authority |
Total game library | 7,000 + |
Game types | Baccarat, bingo, blackjack, craps, keno, pai gow poker, roulette, sic bo, scratch cards, slots, plinko, crash games, dice, and more |
Sports betting | N/A |
Payment methods | Bank transfer, credit/debit card, e-wallet, crypto |
Supported cryptos | BTC, ETH, LTC + 7 more |
Mobile app availability | Yes |
Table: 7Bit Casino overview
They also take different approaches to bonuses. Cloudbet spreads its welcome offer across a 30-day program, combining rakeback with gradual loyalty perks. On the other hand, 7Bit splits its welcome package into multiple deposit stages, offering match bonuses and free spins with each one.
7Bit also regularly runs standalone free spin campaigns.
Another noticeable distinction is mobile access. 7Bit Casino offers a dedicated mobile app, designed to give you a more app-like gaming experience on the go. While Cloudbet still runs smoothly on mobile browsers, some players may prefer having a standalone app for added convenience and extra features.
Cloudbet VS Jackbit
Cloudbet and Jackbit operate within the crypto gambling space. Each platform supports major digital assets like Bitcoin, Litecoin, and Ethereum, making transactions faster and more discreet compared to traditional fiat systems. If your priority is blockchain-based betting, both check that box nicely.

The most immediate contrast shows up in game breadth. Jackbit pushes hard on variety, offering casino, sports, and eSports categories. It also includes horse racing, greyhound racing, and additional crash-style games such as Aviator.
There’s a noticeable contrast in how bonuses are arranged by both platforms. Jackbit leans into the standard deposit bonus system, pairing your deposits with free spins that revolve around slot games. I appreciate the simplicity, but the payout sizes behind those rewards feel a bit lackluster.
Launch year | 2022 |
|---|---|
Operator | Ryker B.V. |
License & regulator | Curaçao Gaming Authority |
Total game library | 7,000 + |
Game types | Baccarat, mines, dice, crash games, video poker, slots, scratch cards, craps, blackjack, bingo, keno, roulette, and more |
Sports betting | Football, basketball, tennis, baseball, ice hockey, handball, e-sports, volleyball, and more |
Payment methods | Bank transfer, credit/debit card, e-wallet, crypto |
Supported cryptos | BTC, DOGE, LTC + 14 more |
Mobile app availability | No |
Table: Jackbit overview
Another difference worth noting is platform maturity. Cloudbet has been active since 2013, giving it a longer operational track record. Jackbit is newer, having launched in 2022. A younger platform can be modern and aggressive in its feature rollout, but some players may prefer the stability that comes with longevity.
Cloudbet VS CryptoCasino
CryptoCasino is also worth a look if you’re exploring crypto gambling options. It’s much newer than Cloudbet, having gone live in 2024. Even so, it has managed to grow a loyal group of players, and that doesn’t happen by accident.

Part of that traction most likely comes from its welcome package. By simply signing up and making your first deposit, you can unlock dozens of free spins along with bonus funds for sports betting. That said, it doesn’t push other crypto no-deposit bonuses, which makes it a bit less tempting compared to Cloudbet’s 30-day-long promotional run.
Launch year | 2022 |
|---|---|
Operator | Ryker B.V. |
License & regulator | Curaçao Gaming Authority |
Total game library | 3,000 + |
Game types | Baccarat, mines, dice, crash games, video poker, slots, scratch cards, craps, blackjack, bingo, keno, roulette, and more |
Sports betting | Football, basketball, tennis, baseball, ice hockey, handball, e-sports, volleyball, and more |
Payment methods | Credit/debit card, crypto |
Supported cryptos | BTC, DOGE, TRON + 12 more |
Mobile app availability | No |
Table: CryptoCasino overview
The loyalty systems also take slightly different routes. Cloudbet runs an eight-tier ladder that climbs all the way to Blue Diamond. CryptoCasino goes even further with a ten-level VIP structure, starting from “Noob” and stretching up to “Satoshi Sensei”.
At the top tier, you’re looking at a $10,000 level-up bonus and up to 12% cashback.
When it comes to games, there isn’t much gap. Both platforms offer a broad lineup: crash, mines, blackjack, dice, and plenty of other classics. They each support sports and eSports wagering as well, so blending slot sessions with match bets is equally doable.
Conclusions
And that wraps up my Cloudbet review! It checks many of the boxes you’d expect: easy to use, seamless transactions, and a wide range of game coverage. Between slots, table classics, live dealer rooms, and a solid sportsbook setup, you’re unlikely to run out of ways to stay engaged.
The welcome promotions are decent as well. They’re not the kind you can appreciate in five minutes, though. You’ll need to spend some time on the platform to fully squeeze the value out of it. But if you’re planning to stick around, that effort can pay off in a big way.
So, is Cloudbet the gambling platform you’re looking for? Only one way to find out!
The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.
Scientific References
1. Gowda N., Chakravorty C.: ‘Comparative study on cryptocurrency transaction and banking transaction’;
2. Rusman R., Budianto A.: ‘Strengthening Know Your Customer (KYC) and Anti-Money Laundering (AML) Policies in the Fintech Industry to Prevent Money Laundering Crimes’.