Customer compliance & Travel Rule
Customer context and wallet ownership, not just an address.
ChainGuard combines KYC/KYB, beneficial ownership, sanctions and PEP screening with wallet-ownership evidence and Travel Rule status. Every piece of information remains labeled by how it was obtained.
Customer profile
Three kinds of knowledge, kept apart on purpose.
Identity, declaration and attribution are different categories of fact. Collapsing them into one profile is how a compliance file becomes indefensible.
Who the customer is
- KYC / KYB
- Beneficial ownership
- PEP and sanctions screening
What they told us
- Source declarations
- Expected activity
- Economic profile
What we can attribute
- Wallet ownership evidence
- Customer risk assessment
Travel Rule
Originator, beneficiary and counterparty status, tracked explicitly.
Every transfer is positioned against these four roles before a decision is reached, so an obligation is never assumed away.
Originator
The customer or entity sending funds.
Beneficiary
The customer or entity receiving funds.
Regulated counterparty
A virtual asset service provider on the other side, subject to its own obligations.
Self-hosted address
An address not held by a regulated counterparty is tracked with its own ownership-evidence requirements on Bitcoin and account-based networks.
Where required Travel Rule information is missing, that is treated as a control condition in its own right. It is surfaced as part of the decision rather than silently ignored.
Evidence tiers
Declaration, verification, on-chain evidence and review are not the same thing.
Each fact in a customer file carries the tier it came from. An outcome built on declarations alone reads differently from one built on observed ledger activity, and the file states which it is.
- 1
Declaration
What the customer states about themselves, their funds or their intended activity. Recorded, but not yet established.
- 2
Verification
A declaration checked against a trusted source. The claim now has something behind it.
- 3
Blockchain evidence
What the ledger itself shows: transfers, unspent outputs, balances and counterparties. Observed rather than asserted.
- 4
Analyst review
A human compliance judgment applied where the automated evidence is insufficient or contradictory.
Bring wallet ownership and Travel Rule status into your compliance workflow.
Map ChainGuard to your institution’s transaction, policy and evidence workflows.