Ex-Ante Compliance Engine (KYC/AML)

SettleMint's ex-ante compliance engine is an embedded technology layer within the DALP platform that enforces investor identity verification, AML screening, and transaction eligibility rules in real time before any transaction reaches the blockchain. Non-compliant transactions are blocked before execution — not flagged after the fact — eliminating post-settlement compliance remediation.

The engine comprises 18 configurable compliance module types covering investor identity verification via the OnchainID identity protocol, accreditation status validation, jurisdictional eligibility controls, holding limit enforcement, and transfer restriction rules. Institutions configure the relevant modules for each asset class and jurisdiction, with the engine then operating autonomously across all subsequent transactions.

Key Capabilities

Identity Verification — OnchainID integration verifies investor identity and links on-chain addresses to verified identity credentials. Supports KYC verification workflows for institutional and retail investor onboarding across multiple jurisdictions.

AML Transaction Controls — AML/KYC enforcement across all tokenized asset classes including bonds, equities, tokenized deposits, stablecoins, funds, real estate, and precious metals. Includes transaction pausing, user blocklisting, and account blocking/unblocking capabilities for regulatory interventions.

Jurisdictional Compliance Modules — Pre-built compliance configurations supporting EU MiCA, Singapore MAS, UK FCA, Japan FSA, and regional regulatory frameworks. Jurisdictional transfer restrictions and cross-border eligibility rules are enforced at the smart contract level.

Audit and Reporting — All compliance actions and transaction screening outcomes are logged on-chain, providing immutable audit trails for regulatory reporting and examination readiness.

Supported Asset Classes

The compliance engine operates uniformly across all DALP asset classes: fixed-income bonds, equities, tokenized bank deposits, stablecoins, investment funds, real estate tokens, precious metals, and custom configurable digital assets.