Know Your Customer norms allow an identity document to serve as both ID and address proof for money transfers when addresses match. Where the identity document submitted by a prospective customer under the Money Transfer Service Scheme shows the same address as the customer's declared current address, that document may be accepted as proof of both identity and address; if the address differs, a separate proof of address must be obtained. These instructions supplement existing KYC/AML/CFT requirements, apply equally to Sub Agents with Indian Agents responsible for compliance, and require Principal Officer acknowledgment of the circular.