Identity, screening, and monitoring built into the sovereign rail — proportionate by design, auditable end to end, and enforced at the protocol rather than bolted on after the fact.
In a sovereign currency, compliance can't be an external system that reconciles overnight. Identity, screening, and monitoring are enforced where value moves — so a non-compliant transaction is refused, not flagged after it settles.
Eligibility, limits, and screening are checked before a transfer settles — controls the ledger applies, not a downstream report.
Obligations scale with risk: a low-value citizen wallet and a correspondent-bank account carry different identity and monitoring requirements.
Supervisors get provable, auditable oversight; citizens keep calibrated privacy. The two are balanced in the design, not traded off.
Know who holds an account, to a depth that matches the risk they carry.
Graduated identity levels — from low-limit basic wallets to fully verified institutional accounts — each unlocking corresponding capability and limits.
Identity-document authentication with liveness and biometric checks, calibrated to national ID infrastructure where it exists.
Commercial banks and licensed providers can onboard to their own standards under the central bank's framework, with responsibility recorded on the ledger.
Periodic refresh, change-of-status handling, and revocation — identity is a lifecycle, not a one-time gate.
Every party checked against the lists that matter, before value moves.
OFAC, UN, EU, and national lists screened at onboarding and on every relevant transfer.
Politically-exposed-person and adverse-media checks with risk scoring.
Alias, transliteration, and fuzzy matching to catch evasion without drowning in false positives.
Detect the patterns that individual transactions never reveal.
Configurable rules for value, velocity, geography, and counterparty risk, enforced in real time.
Detection for structuring, layering, smurfing, and mule-network patterns across accounts.
Dynamic account and transaction risk scores that route the right activity to review.
Inline checks that can hold a transfer, plus retrospective analysis across the ledger's full history.
From alert to filed report, with the evidence trail intact.
Alerts consolidated into cases, deduplicated and prioritised by risk.
A full account and transaction graph for investigators, drawn from the tamper-evident ledger.
SAR / STR generation and submission to the relevant financial-intelligence unit.
Every decision, override, and filing recorded immutably for supervisors and external audit.
Who can do what — and the proof that the rules held.
Cryptographic separation between operators, supervisors, and investigators; no single actor holds unchecked power.
Screening and monitoring logic is versioned, tested, and auditable — changes are recorded, not silent.
Data minimisation and calibrated disclosure so oversight never becomes blanket surveillance.
Talk to us about the compliance model behind a sovereign pilot.