CASP / Crypto Customer Onboarding (MiCA + TFR)

Procedures

1. CASP Licence Verificationproc_casp_license_verification

   Verify that the CASP (self or counterparty) holds a current MiCA authorisation or equivalent non-EU licence, and confirm the scope of authorised crypto-asset services per Article 60 MiCA.

2. Crypto Customer Identificationproc_customer_identification_crypto

   Perform crypto-specific customer identification including address derivation verification, on-chain history enrichment, and initial sanctions / PEP screening on both the natural person and the associated crypto addresses.

3. Wallet Ownership Verificationproc_wallet_ownership_verification

   Verify the customer's control of any self-hosted wallets linked to the relationship, using satoshi-test / message-sign / micro-transfer proofs per Article 38(1) AMLR and Article 14 TFR.

4. Travel Rule Data Handlingproc_travel_rule_data_handling

   Implement Article 14 TFR Travel Rule data handling for crypto-asset transfers: capture originator / beneficiary data, validate it on inbound, attach it on outbound, and pre-assess transaction risk.

5. Crypto Enhanced Due Diligenceproc_enhanced_due_diligence_crypto

   Crypto-EDD when a customer's on-chain footprint exposes them to mixers, tumblers, privacy coins, or sanctioned-cluster proximity.

6. On-chain Ongoing Monitoringproc_ongoing_monitoring_on_chain

   Continuous on-chain transaction monitoring for the customer's addresses, with alerting on mixer interactions, unusual transactions, and sanctioned-cluster exposure.