Compliance

Regulated in 6+ jurisdictions.

KYC, AML, sanctions, Travel Rule, Reg ATS, OATS/CAT, and cross-border tax reporting — delivered as SDK calls. You focus on product; our compliance engine handles the filings.

Jurisdictions & licenses

Live in the US; licensed, passported, or partnering across Europe, the Crown Dependencies, and offshore financial centers.

RegionRegulators & rails
United States — SEC, FINRA, FinCEN, OCCReg ATS (Form ATS-N), Reg D/CF/S/A+, OATS/CAT reporting, MSB
United Kingdom — FCAMLR 2017, EMI / PI authorization, Travel Rule, PS23/6
Luxembourg — CSSFMiCA crypto-asset service provider, AIFMD, PSD2
Isle of Man — FSADesignated Businesses Act, Class 8 crypto business license
Liechtenstein — FMABlockchain Act (TVTG), Token & Trusted Technology Service Provider
Bermuda — BMADigital Asset Business Act (DABA) Class M / Class F

Onboarding pipeline

Four independent providers, one unified result. Sub-90-second median onboarding for retail.

Identity (KYC)

Jumio + Onfido document verification, liveness check, and biometric matching. 200+ country coverage, 5,000+ document types.

Sanctions & PEP

Continuous OFAC SDN, EU, UK, UN, HMT, and PEP screening against Chainalysis and Refinitiv World-Check. Re-scored on every transaction.

Chain Analytics

Chainalysis KYT + TRM Labs risk scoring on every address. Mixer, sanctioned-entity, and high-risk-cluster detection before settlement.

Accreditation

506(c) verified-accredited workflow (income, net-worth, licensed-professional). Investment-limit enforcement for Reg CF / Reg A+.

Securities exemptions — enforced in code.

Every offering and secondary trade is tagged with its exempting regulation. The matching engine refuses orders that would breach holding periods, investor caps, or jurisdictional bans. The audit log proves it.

ERC-1400 transfer restrictions enforced on-chain
Reg D 506(c) verified-accredited status refreshed every 90 days
Reg S offshore-only geofence + 40-day distribution lock
Rule 144 resale tracking and restricted-legend management
ExemptionLimit / eligibility
Reg D 506(b)
Unlimited accredited + 35 sophisticated
No general solicitation
Reg D 506(c)
Accredited only, verified
General solicitation allowed
Reg CF
$5M / 12 months
Non-accredited OK, investment limits per income
Reg A+ Tier 2
$75M / 12 months
Non-accredited, SEC-qualified offering circular
Reg S
Offshore only, no US persons
6 / 12 / 40-day distribution periods

Automated filings

Every trade, movement, and investor action is structured for direct export to regulators — no month-end scramble.

Form ATS-N

Alternative Trading System operator disclosure

OATS / CAT

Order audit trail reporting to FINRA / CAT

SAR / CTR

Suspicious Activity & Currency Transaction reports

FBAR / 8938

Foreign account reporting automation for US tax

Form D

Reg D exempt-offering notice filing

1042-S / 1099

Automated year-end tax form generation

Travel Rule — via ZK attestation.

FATF Recommendation 16 requires originator / beneficiary data sharing on crypto transfers > $1k. Lux satisfies it without leaking counterparty information by using ZAP proofs: the receiving VASP learns that KYC data exists and is valid, not what it contains.

Sumsub / Notabene / TRP interoperability for legacy VASPs
IVMS 101 data schema with selective disclosure
Groth16 attestation: ~240-byte proof, verifies in <1ms

Proof of reserves — on every block.

Because Lux Financial is non-custodial, there is nothing to hide: client holdings are on public chains, settlement is public, and every account exposes a continuous Merkle-sum proof-of-liabilities.

Public Merkle-sum tree — any client can verify inclusion
No rehypothecation — MPC signatures required for any movement
Third-party attestation by SOC 2 Type II auditor, annually

Ship regulated. Ship today.

Get on our broker-dealer network, inherit our compliance stack, and go live in weeks.