KYC programme review
Identity verification methodology, document and liveness checks, and risk tiering for a remote, high-volume customer base.
Digital Assets / Compliance Review
Stablecoin & Digital Asset Compliance Review
A stablecoin or digital asset platform's compliance stack is only as strong as its weakest layer. We review the layers your AML/CFT and Travel Rule programme does not reach on its own: identity and business verification, on-chain monitoring, wallet security governance, fraud risk scoring and case management, then tell you where it would not hold up to a regulator or an auditor.
Overview
Stablecoin & Digital Asset Compliance Review
What it is
An independent review of the identity verification, business verification, on-chain monitoring, wallet security governance, fraud risk scoring and case management controls around a stablecoin or digital asset platform's payments.
Why organisations need it
AML/CFT and Travel Rule obligations get most of the attention because they are explicit regulatory requirements, and platforms build programmes to meet them. The controls around who is actually being onboarded, what a wallet's risk score is really based on, who can move funds and how an alert becomes a filed report get far less scrutiny, and are usually where a platform's real exposure sits.
Key features
What the engagement covers
KYB and beneficial ownership review
Business customer verification, registry checks and whether ownership is traced to the natural person who controls it.
On-chain analytics and KYT review
Wallet and address risk scoring as a standing control, tool configuration and alert triage, separate from Travel Rule messaging.
Wallet security and transaction policy review
Custody model, key management oversight, multisig and approval thresholds, and transaction limits and exceptions.
Fraud and risk-scoring framework review
Model governance for account takeover, synthetic identity and transaction anomaly detection, and how thresholds are set and revisited.
Case management and reporting review
Case workflow, investigation documentation, STR/SAR filing triggers and the audit trail a case management process produces.
Business value
What the business gets out of it
Finds the layer that AML/CFT review alone misses
Scoped to the controls around onboarding, monitoring, custody and case handling, not just the AML framework.
Evidence, not assurance
Findings are built on walkthroughs and sample testing, not a policy read-through.
Vendor-neutral
We do not sell or implement screening, analytics or custody tools, so the recommendation is what the programme needs.
Board-ready reporting
A summary that gives directors a real position, not a clean bill of health by default.
Connects to the rest of the stack
Findings cross-referenced against your existing AML/CFT, Travel Rule and sanctions screening controls.
How it works
How the engagement runs
01
Scoping
Platform model, customer base and systems in use.
02
Walkthrough
Tracing onboarding, monitoring, custody and case handling end to end.
03
Testing
Sample onboarding files, wallet screening decisions, case files and model thresholds.
04
Gap analysis
Findings ranked by exposure, not by framework section.
05
Report
Findings, remediation plan and a board summary.
Deliverables
What you receive
Compliance review report
Findings ranked by exposure, with evidence.
KYC/KYB test results
Sample onboarding and verification files reviewed.
On-chain monitoring and wallet security findings
Tool configuration, alert handling and custody governance.
Fraud scoring and case management findings
Model governance and case file quality.
Remediation plan and board summary
Owners, actions and a position statement for directors.
Who it is for
Who this is built for
Industries
Company sizes
Departments
Why Orbix
Why organisations choose Orbix
A governance approach, not a tool sale
We do not resell products, so nothing here is shaped by a vendor margin. The recommendation is whatever your risk and your budget actually justify, including telling you that you do not need the engagement yet.
Recommendations you can actually implement
Findings come with a sequence, an owner and a realistic effort estimate, sized to the team you have rather than the team a framework assumes. A report that cannot be acted on is an expense, not a control.
Consultants who have sat on your side of the table
Our people have carried the obligation internally, not only audited it. That shows up in what we consider proportionate, and in how much documentation we think you genuinely need.
Built for the Malaysian operating context
Work is grounded in Malaysian law and regulator expectation, from the PDPA and the Cyber Security Act 2024 to Bursa, BNM and SC requirements, rather than translated from a European or American template.
HRD Corp expertise where it applies
Where an engagement includes training, the training component is structured to be HRD Corp SBL-Khas claimable, which changes what the programme costs you in practice.
Questions
Questions we get asked
How is this different from the AML/CFT and Travel Rule review?
That review tests your AML/CFT programme and Travel Rule compliance directly. This review covers the layers around it: identity and business verification methodology, on-chain monitoring, wallet security governance, fraud scoring and case management.
Do you test our custody or screening systems directly?
We review how they are configured, used and governed, and sample test outcomes. We do not sell or implement the systems themselves.
What counts as a stablecoin or digital asset platform here?
Exchanges, stablecoin issuers, payment or e-money platforms handling digital assets, and crowdfunding platforms running token offerings.
Can you review just one layer, such as wallet security?
Yes. The review is scoped to your platform, and a single layer can be reviewed on its own.
How often should this be reviewed?
At least annually, and after a material change to onboarding, custody arrangements or risk-scoring models.