And by strict rules, you mean free...

And by strict rules, you mean free entry, free exit, paid exit? Why don’t you organize a dance with a tambourine at the stage of depositing funds. Okay, a person registered without verification, used the functionality of the site, then you can do the same – decided to trade pass verification, then replenish the account. This is like the first option. The second – make 100$ input withdrawal without verification, ie if a person enters from a certain account and withdrawal to this account is possible and is equal to the amount of deposit, and then the restriction for non-verified users, input from 10 to 100$.
The logic is simple. If a person has entered a payment, then he is already verified in this bank. And you are counting on the fact that people just come and pour you their dough, and you are happy and do not boil. And as soon as a person comes and starts to raise profits, you immediately remember about verification.
And in the eyes of ANY user it’s like cheating. You accept money and don’t ask any questions, but how to withdraw and so on.
And yes for identification of a person is enough his passport data and passport selfies to confirm that the passport is his, and not so that you came card statement, etc. Maybe the pin code to the card at once and keys to khaza????