> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rem.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Compliance Engine

> KYC, KYB, KYT, and Travel Rule enforced at the token and contract layer — not bolted on as middleware.

> "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

<CardGroup cols={2}>
  <Card title="KYC / AML" icon="id-card">
    Checks on every counterparty in the ecosystem; integrated with established compliance vendors so participants are verified before they transact.
  </Card>

  <Card title="Regional regulation" icon="globe-asia">
    Focus on APAC; APIs map to the rules of each jurisdiction, working with local counsel.
  </Card>

  <Card title="Transaction monitoring" icon="chart-line">
    Every payment screened and logged; orchestration API provides real-time visibility and runs automated checks before settlement.
  </Card>

  <Card title="Data security" icon="lock">
    Institutional and user data encrypted in transit and at rest; international security standards; regular audits.
  </Card>
</CardGroup>

## 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:

<Steps>
  <Step title="Threshold detection">
    Auto-detect transactions exceeding the regional limit applicable to the parties.
  </Step>

  <Step title="Data attachment">
    Attach originator and beneficiary data in standard IVMS format.
  </Step>

  <Step title="Format validation">
    Confirm all compliance data meets global standards before transmission.
  </Step>

  <Step title="Endpoint orchestration">
    Call the counterparty VASP's Travel Rule endpoint and capture the response.
  </Step>

  <Step title="Caching">
    24-hour TTL cache for Travel Rule responses to optimize repeat counterparties.
  </Step>
</Steps>

## 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

<Warning>
  REM operates as a software provider and consulting firm. We do **not** hold client funds or provide custodial services. This allows us to serve licensed MPI and VASP clients as a technical partner efficiently.
</Warning>

***

## Custom solutions

Most clients use the off-the-shelf Compliance Engine. Banks, exchanges, and licensed VASPs in regulated APAC markets often need bespoke wiring.

<CardGroup cols={2}>
  <Card title="Regulatory mapping" icon="map">
    Discovery engagement to map your specific product against MAS, HKMA, JFSA, MiCA, or GENIUS Act exposure — including written legal-aligned recommendations.
  </Card>

  <Card title="Custom Travel Rule networks" icon="network-wired">
    Bespoke VASP-to-VASP connectivity, including private corridors, custom IVMS profiles, and counterparty onboarding workflows.
  </Card>

  <Card title="Vendor selection and integration" icon="screwdriver-wrench">
    KYC, KYT, and sanctions vendor evaluation, contracting, and integration into your REM deployment.
  </Card>

  <Card title="Audit and regulator readiness" icon="file-shield">
    Reporting pipelines, evidence packs, and direct support during regulator examinations or external audits.
  </Card>
</CardGroup>

<Card title="Talk to compliance" icon="envelope" href="mailto:hi@rem.money" horizontal>
  Share the jurisdiction, the license, and the corridor. We'll scope a compliance engagement with you.
</Card>