Bank Secrecy Act (BSA)
The Bank Secrecy Act (1970) requires US financial institutions — including crypto businesses and tokenization platforms — to maintain AML programs, report suspicious activity, and keep records of cash transactions over $10,000.
Digital Identity Standards for Tokenization
Digital identity standards — from W3C Verifiable Credentials to ONCHAINID and Circle's Verite — provide the KYC infrastructure that makes programmable compliance possible in tokenized asset markets.
FinCEN — AML, KYC, and the Travel Rule for Tokenized Assets
FinCEN governs AML and KYC compliance for crypto money services businesses and proposed Travel Rule implementation requiring sender and receiver information for crypto transfers over $3,000, directly shaping compliance infrastructure for tokenized assets.
On-Chain KYC/AML
On-chain KYC/AML systems store verified investor identity claims on a blockchain, enabling smart contracts to automatically check investor eligibility at the point of token transfer — eliminating the need for centralized compliance gatekeepers on every transaction.