Service
Crypto Exchange KYC/AML Pipeline — Complete Compliance Architecture
A production crypto exchange KYC/AML pipeline involves multiple integrated systems working together. Here is the complete technical architecture.
USER SIGNUP → TIER 1: Email + Phone verification (Twilio Verify) → Limits: $1,000/day deposit, no withdrawal. → TIER 2: Identity Document Verification (Persona/Jumio/Onfido) → ID document scan + liveness check (selfie matching), OFAC sanctions screening (automated), PEP (Politically Exposed Person) screening → Limits:...
// KYC verification webhook handler import { PersonaClient } from '@persona/node'; const persona = new PersonaClient(process.env.PERSONA_API_KEY); app.post('/webhooks/persona', async (req, res) => { const event = req.body; if (event.data.attributes.payload.data.type === 'inquiry') { const inquiryId = event.data.attribu...
const SAR_TRIGGERS = { structuring: 'Multiple transactions just below $10K reporting threshold', rapidMovement: 'Funds deposited and immediately withdrawn (<1 hour)', highRiskJurisdiction: 'Transaction involving FATF grey/black list country', mixerUsage: 'Funds traced to mixing service (Tornado Cash, etc.)', unusualPat...
Common integrations: The Graph, Alchemy/Infura, OpenZeppelin Defender, and popular wallet providers.
Clarify requirements, compliance needs, architecture risks, and launch goals.
Implement core contracts, integrations, product flows, tests, and deployment automation.
Run QA, prepare audit handoff, deploy infrastructure, and support production rollout.
FinCEN requires SAR filing within 30 calendar days of initial detection of facts that may constitute a basis for filing. If no suspect is identified, the filing period can extend to 60 days. Late filing is a compliance violation subject to penalties. Build automated alerting so your compliance team has maximum time within the window to investigate and file.
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