AML/KYC for Enterprise Stablecoins: Meeting Regulatory Requirements
How to implement compliant onboarding, transaction monitoring, and suspicious activity reporting for stablecoin treasury operations.
KYC Requirements
- Entity Verification: Legal entity identification, beneficial owners
- Document Collection: Formation documents, tax IDs, authorized signers
- Sanctions Screening: OFAC, UN, EU sanctions list checking
- Risk Assessment: Business type, jurisdiction, transaction patterns
- Ongoing Monitoring: Periodic re-verification, trigger-based reviews
Transaction Monitoring
All GRAIN transactions are monitored for suspicious patterns. Our compliance infrastructure uses machine learning models trained on financial crime typologies to flag unusual activity: structuring patterns, rapid movement through multiple wallets, transactions with high-risk counterparties, or deviations from established customer behavior.
SAR Obligations
As a regulated financial service, Grain & Vault files Suspicious Activity Reports (SARs) when required. Enterprise customers should understand that their transaction activity may be reported if it meets SAR thresholds or exhibits suspicious characteristics.
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