“REM builds for regulated institutions. Compliance is enforced at the token and contract layer, not bolted on after. Every product we ship has to pass the same review a bank would run before connecting to it.”The Compliance Engine is the shared substrate under every other module. It runs the checks that decide whether a transfer settles, a token mints, or a counterparty can hold — before any value moves. REM operates as a software provider and compliance middleware. We help licensed institutions (VASPs, MPIs, banks) automate regulatory obligations without taking custody of funds.
Built-in standards
| Standard | What we cover |
|---|---|
| KYC | Identity verification on every counterparty before value moves |
| KYB | Business onboarding for institutional and merchant counterparties |
| KYT | Real-time transaction monitoring on every accept / transfer / redeem |
| Travel Rule | IVMS101.2023 orchestration across regional thresholds |
| TIP-403 | Tempo’s compliance standard for institutional rails (Mainnet and Zones) |
| Proof of reserves | On-chain attestations for issued stablecoins and tokenised assets |
Four pillars
KYC / AML
Checks on every counterparty in the ecosystem; integrated with established compliance vendors so participants are verified before they transact.
Regional regulation
Focus on APAC; APIs map to the rules of each jurisdiction, working with local counsel.
Transaction monitoring
Every payment screened and logged; orchestration API provides real-time visibility and runs automated checks before settlement.
Data security
Institutional and user data encrypted in transit and at rest; international security standards; regular audits.
Enforced at the token and contract layer
Three principles run through every module:- Single decision point — KYC, KYB, KYT, and sanctions resolve inside the contract, before settlement. There is no “compliance proxy” that can be bypassed.
- Auditable by default — Every transaction record carries the inputs that produced the decision.
- Regional alignment — The rail honors the jurisdiction of the parties; APAC counterparties settle on a rail tuned for MAS and HKMA.
Regional matrix
REM ships preconfigured with regional thresholds for key APAC and adjacent markets.| Jurisdiction | Authority | Travel Rule threshold |
|---|---|---|
| Singapore | MAS (PS-N02) | SGD 1,500 (~USD 1,100) |
| Hong Kong | SFC / HKMA | HKD 8,000 (~USD 1,000) |
| UAE | VARA / CBUAE | AED 3,500 (~USD 1,000) |
| Australia | AUSTRAC | AUD 1,000 (~USD 650) |
| Japan | JFSA | Per JFSA guidance |
| EU | MiCA | Per MiCA TFR |
| US | GENIUS Act / FinCEN | Per FinCEN guidance |
Travel Rule implementation
The IVMS101.2023 engine handles the orchestration end to end:Threshold detection
Auto-detect transactions exceeding the regional limit applicable to the parties.
Vendor integrations
REM integrates with leading compliance vendors based on client need:- KYC / KYB — Sumsub
- KYT (transaction monitoring) — Chainalysis, TRM Labs, Merkle Science, Scorechain
- Sanctions screening — real-time checks against global watchlists
Software vs. VASP model
Custom solutions
Most clients use the off-the-shelf Compliance Engine. Banks, exchanges, and licensed VASPs in regulated APAC markets often need bespoke wiring.Regulatory mapping
Discovery engagement to map your specific product against MAS, HKMA, JFSA, MiCA, or GENIUS Act exposure — including written legal-aligned recommendations.
Custom Travel Rule networks
Bespoke VASP-to-VASP connectivity, including private corridors, custom IVMS profiles, and counterparty onboarding workflows.
Vendor selection and integration
KYC, KYT, and sanctions vendor evaluation, contracting, and integration into your REM deployment.
Audit and regulator readiness
Reporting pipelines, evidence packs, and direct support during regulator examinations or external audits.
Talk to compliance
Share the jurisdiction, the license, and the corridor. We’ll scope a compliance engagement with you.