3 years. 70+ attempts. Payout approved then denied. Sumsub offers a manual override. The firm said no.
UPDATE: ETF HAVE RESPONDED. HERE IS WHAT THEY LEFT OUT. ETF's public reply disputes several points but conveniently omits others. Here is what they did not address. On the name: their own registration form has two fields. First name and last name. No field for a third name exists. You cannot penalize a trader for a field you never provided. On the address: they acknowledge regional documentation differences but offer no solution for Kenyan traders whose national ID carries a lifelong origin address that will never match a current residential address. That is not a reconciliation failure. That is a system built without Africa in mind. On the Sumsub override: they did not deny the option exists. They confirmed they chose not to apply it. That is a choice, not a policy. On the Discord: every post I made was deleted. I was banned for 24 hours, then 7 days when the ban lifted. I never got to respond to a single community member. ETF said nothing about this in their response. On the terms they quoted: they cited a clause protecting their right to void payouts. They cited no obligation to ensure their KYC system works for the countries they profit from. The payout success page shows two Kenyan traders in two years. Two. This is not a rant. This is a record. ORIGINAL POST I have been with this firm for over three years, failing 70+ funded and evaluation accounts before finally passing and qualifying for my first payout on a 10K Static Elite Sim Funded account. No trading violations. Ever. My payout was approved. Then denied. My account was terminated. THE NAME ISSUE Your registration form asked for a first name and last name. Two fields. I filled them both correctly. There was no field for a middle or third name. After three years, my payout was partly denied because my full legal name, which includes a third name, was not on my profile. A name your own form never asked for. That is a design failure, not a compliance failure. THE ADDRESS ISSUE In Kenya, a national ID carries your place of origin, fixed for life regardless of where you currently live. My bank statement (Proof of Address) reflects my current urban address. These two will naturally differ for most Kenyan citizens. That is not fraud. That is how our documentation system works. Your KYC provider also requires a street address, house number, and flat number. Most of Kenya runs on P.O. Boxes. I cannot provide a street address that does not exist. I PREVIOUSLY COMPLETED KYC WITH THIS FIRM The firm underwent major structural changes over my three years here, including removing a KYC process I had already completed successfully. My identity was verified and accepted by this firm before. The documents have not changed. The firm's infrastructure did. I should not be penalized for that. SUMSUB OFFERS A MANUAL OVERRIDE. THE FIRM SAID NO. This is the most important detail. Sumsub, the firm's own KYC provider, recommended that my case could be resolved through manual verification with an exception. The firm has a clear path to resolve this fairly. They chose not to take it. Instead they kept the profits from my account, denied the payout, and refunded only the evaluation fee. After three years, 70+ attempts, and a legitimately earned payout, that was their choice. That is not compliance. That is deeply unethical. THE NUMBERS Check the firm's own payout success page. Over two years, only two Kenyan traders appear. Two. That is not coincidence. That is a systemic barrier quietly operating while the firm continues collecting challenge fees from across the continent. On top of all this, when I shared my experience on their Discord to warn other African traders, my posts were deleted and I was muted for 7 days. If you are based in Kenya, Nigeria, Ghana, Uganda, Tanzania or anywhere in Africa where P.O. Boxes are standard and national IDs carry origin addresses, understand this: you may pass every evaluation, trade perfectly, and still be denied at the finish line. And this firm will decline the tools available to them to fix it. This is not a rant. This is a record.