skill-09-compliance-aml

name	skill-09-compliance-aml
description	Handles crypto compliance including sanctions screening, Travel Rule, MiCA requirements, tax reporting, and SEC Howey test analysis. Use for regulated workflows, KYC/AML checks, or jurisdictional compliance questions.
metadata	{"phase":3,"chains":"all"}

Compliance & AML

When to Use

• Screening wallet addresses against sanctions lists
• Implementing Travel Rule for VASP transfers
• Assessing MiCA token classification (ART, EMT, other crypto-assets)
• Tax reporting (IRS 1099-DA, cost basis)
• Evaluating whether a token passes the Howey test

Prerequisites

• MCP: compliance-screening-server (required for all outbound transfers)
• Knowledge base: knowledge-base/regulations/

Jurisdiction Coverage

Jurisdiction	Regulations
EU	MiCA, Travel Rule (TFR), DORA, AMLD6
US	SEC Howey, FinCEN BSA, IRS 1099-DA
UK	FCA crypto registration, financial promotions
Singapore	MAS Payment Services Act
Japan	FSA exchange registration, stablecoin rules
UAE	VARA (Dubai), ADGM
Global	FATF Travel Rule, risk-based approach

Workflow

1. Sanctions Screening

Required before every transfer to an external address:

1. Call compliance-screening-server → screen_address
2. Check OFAC SDN, EU consolidated list, UN sanctions
3. BLOCK if match score > threshold
4. Log screening result with timestamp and case ID

2. Travel Rule (FATF R.16)

For VASP-to-VASP transfers > jurisdiction threshold:

1. Identify beneficiary VASP
2. Exchange originator info (name, account, address) via TRP (Travel Rule Protocol)
3. Verify beneficiary before releasing funds
4. Retain records ≥ 5 years

3. MiCA Classification

Category	Criteria	Requirements
EMT	Single fiat-pegged stablecoin	Reserve backing, redemption
ART	Multi-asset or algo stable	Stricter reserve rules
Other crypto-asset	Default	Whitepaper, CASP authorization
Utility token	Access to good/service	Exempt if no investment expectation

4. Howey Test (US)

Four prongs — investment contract if ALL met:

1. Investment of money
2. Common enterprise
3. Expectation of profits
4. Derived from efforts of others

Document analysis for any token launch or marketing in US.

5. Tax Reporting

• Track cost basis (FIFO default; specific ID if elected)
• Report disposals on Form 8949 / 1099-DA (2025+)
• Flag staking rewards as income at FMV on receipt

Hard Rules

• Never bypass sanctions screening
• Escalate PEP (Politically Exposed Person) matches
• Require enhanced due diligence for transactions > $3,000 (FinCEN)

References

• knowledge-base/regulations/mica/
• knowledge-base/regulations/travel-rule/
• knowledge-base/regulations/fatf/
• knowledge-base/regulations/sec-howey/