Please note: The name on the bank wire must be correct otherwise the bank is returning the transfer. This is a basic rule in AML.
When using SEPA what you are saying is simply wrong. I tried it myself a few weeks ago. Maybe this is how it should be, but as a matter of fact it is NOT like this.
You don't have to do the AML if we follow your own T&C for crypto withdrawal, so it is only a matter for you to be convinced OP is still the same. So a signature SHOULD be enough.
You are deviating from topic. Also you did not answer the question regarding what would happen to the funds in case of no documentation from OP.
Finally did the metadata of OP change significantly to back up your doubts?
To me you are desperately looking for reasons to hold that money back. If op proves ownership through signature, AML requires you to exactly nothing and you are legally entitled to release the funds.
PS: I cannot post private correspondece with Susana on a public chat as you can understand. But they are quite clear about it ... at least back in 2013/2014
With her approval you could.