KYC & AML Compliance

Zybra will enforce compliance thresholds within its DeFi engine web access. We collaborate with KYC/AML integration partner to establish onboarding documentation processes.

Protocol KYC/AML compliance policy

Zybra implements a robust KYC/AML framework to ensure compliance with global financial standards while facilitating seamless integration of RWA DeFi with mobile money systems. Our policy encompasses data collection, transaction thresholds, compliance checks, and regulatory alignment, leveraging advanced vendor technology and strategic partnership.

Compliance enforcement and partner collaboration

Zybra enforces strict compliance thresholds within its DeFi operations to mitigate risks:

• We collaborate with Togggle to establish a decentralized KYC/AML and onboarding processes, sanctions screening and transactions monitoring.

• Detailed eligibility criteria are specified in Zybra’s terms of use, ensuring transparency.

Data collection

Zybra collects comprehensive user data to support KYC/AML processes, with retention periods aligned with international standards:

• Identity Documents: Government-issued IDs (e.g., passport, national ID) and proof of address (e.g., utility bill).

• Wallet Information: Crypto wallet addresses and transaction history for blockchain analytics.

• Enhanced Due Diligence (EDD): Source-of-funds verification (e.g., bank statements, contracts) for high-risk users.

Transaction thresholds and KYC limits

Tiered thresholds to manage transaction risks, with adjustments based on user risk profiles

Category	Threshold	Action
Single transaction	$10,000 (or equivalent)	Triggers automated alert for review
Aggregate daily	$50,000	Requires EDD if exceeded
High-risk users	Adjusted lower limits	Based on Togggle risk profiling
Other KYC limits	Volume tiers, activity-based	Subject to change without notice

Regulatory standards and future alignment

Zybra aligns with international and regional regulatory frameworks to ensure long-term compliance.

Standard	Details
FATF Recommendations	Adheres to Recommendation 11 (5 - 20 year record retention)
UAE VARA Preparation	Targets compliance at $2–4 million TVL, with annual and quarterly reviews.