Oxygen – Compliance & Transaction Monitoring

Oxygen is Fiat Republic's embedded compliance and transaction monitoring product, built directly into the banking infrastructure layer so crypto platforms receive automated regulatory coverage without building or integrating separate compliance tooling.

Product Overview

Every transaction processed through the Fiat Republic Banking and Payments API is screened in real-time by Oxygen. This means sanctions checks, fraud detection, and AML/KYC workflow management happen at the banking layer itself — reducing operational burden for crypto exchanges, wallets, and other digital asset platforms. Oxygen is aligned with MiCA (Markets in Crypto Assets) requirements and supports multi-jurisdictional compliance postures across the UK, EU, and beyond.

Key Features

• Real-time transaction monitoring for every inbound and outbound payment
• Sanctions screening to detect and block prohibited parties
• Fraud detection and suspicious activity identification
• Automated risk scoring and risk management workflows
• Continuous regulatory tracking for emerging crypto regulations and policy changes
• Comprehensive audit trails with full transaction visibility
• Document exchange facilitation between Fiat Republic, banking partners, and crypto platforms
• Regulatory advocacy through EagleNet consortium membership, engaging with local regulators on behalf of crypto businesses

Compliance Coverage

Oxygen is built to satisfy AML/KYC compliance obligations and is aligned with MiCA requirements. By demonstrating continuous regulatory adherence, crypto businesses using Oxygen also reduce the risk of debanking — one of the most critical operational risks facing the industry.

Why Choose Fiat Republic

As an FCA-authorised and DNB-regulated electronic money institution, Fiat Republic brings institutional-grade compliance infrastructure to crypto platforms through a single API integration. Oxygen ensures that compliance monitoring is embedded at the core of every transaction, not bolted on as an afterthought.