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Built-in Compliance

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Compliance Features on 1Money Network

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Introduction

Recognizing the crucial role of compliance in digital payments, the 1Money Network was designed from the ground up to meet the regulatory requirements of enterprises, financial institutions, and global payment platforms. Its integrated compliance framework enables seamless enforcement of regulations and policies, all without compromising the user experience or network efficiency. The following are built-into the network at the protocol level, accessible via REST APIs and SDKs.

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Whitelisting and Blacklisting

  • Address Whitelisting: Certain use cases, such as regulated stablecoin issuance or enterprise platforms, may require that only authorized addresses can participate. Whitelisting functionality allows for the creation of “permissioned zones” on the network, where only pre-approved accounts can hold or transfer specific tokens.

  • Blacklisting: The system supports immediate blacklisting of addresses involved in fraud, hacking, or regulatory non-compliance. Once blacklisted, these accounts are instantly prevented from transacting network-wide.

  • Token-Level Enforcement: Whitelisting and blacklisting are applied at the token level, providing flexibility for issuers and businesses to tailor the compliance level of their product lines.

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Authority Management System

  • Permissioned Authority Management: A robust authority management system governs who can update whitelists, and blacklists, pause tokens and update metadata. Organizations can choose to delegate role-based functions to specific parties, with assigned accounts that require signatures for performing actions.

  • On-Chain Auditing: Every change to compliance lists—or to the rules and roles that manage them—is tracked immutably on-chain. Comprehensive audit trails enable external regulators and internal teams to review actions at any time.

  • KYC/AML for Validators and Partners: All validators must undergo Know Your Customer (KYC) and Anti-Money Laundering (AML) due diligence prior to participation, ensuring only responsible and legitimate actors secure the network and enforce compliance measures.

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Sanctions Blocking

(coming soon)

  • Automated Sanctions Screening: All transactions on the 1Money Network are checked in real time against up-to-date global sanctions lists (such as OFAC, EU, UN, and others). This ensures sanctioned entities or addresses are immediately blocked from sending or receiving payments.

  • Preventative Enforcement: Attempts to interact with sanctioned accounts—whether directly or through relay—are automatically refused by validators at the consensus layer, providing proactive risk management and insulating network participants from inadvertent violations.

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Why Compliance Matters

The integrated compliance capabilities of 1Money empower partners to launch fully regulated payment applications that meet both local and international requirements. This approach protects users and institutions, enables global growth, and builds trust with both regulators and enterprises.

By embedding these features directly within the protocol—and ensuring delegated authority, transparent oversight, and native sanctions enforcement—1Money delivers a payments platform ready for mainstream adoption in regulated environments and beyond.

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