> ## Documentation Index
> Fetch the complete documentation index at: https://docs.crossmint.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Solution Architecture

> How Crossmint handles stablecoin compliance on your behalf and how to architect your integration

Crossmint's infrastructure is designed so that you do not need to [build or run compliance systems](/stablecoin-orchestration/concepts/regulatory-landscape) yourself. Instead, Crossmint acts as the regulated party and handles all compliance on your behalf — you orchestrate your flows by calling APIs.

This page explains the architecture behind this approach and the three steps involved in setting up a compliant stablecoin integration.

<Tip>
  Every production customer gets access to a forward-deployed solutions architecture team. Before go-live, the team reviews the full flow of funds, identifies edge cases, and ensures the integration is structured correctly from a compliance standpoint. <a href="https://www.crossmint.com/contact" target="_blank" rel="noopener">Contact the team</a> to get started.
</Tip>

## How Crossmint Handles Compliance

Rather than providing compliance tooling for customers to operate themselves, Crossmint structures the flow of funds so that **Crossmint is the regulated party** — the entity that holds the licenses, runs the AML program, and assumes the legal liability. You call APIs; Crossmint handles the rest.

| Your Responsibilities                                                                                      | Crossmint Responsibilities                                        |
| ---------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------- |
| Design an appropriate flow of funds for your use case                                                      | Review your flow of funds                                         |
| Call Crossmint APIs to create wallets, register identities, and trigger transfers, on-ramps, and off-ramps | KYC/KYB identity verification                                     |
|                                                                                                            | Sanctions screening                                               |
|                                                                                                            | AML program (SARs, transaction monitoring, ongoing due diligence) |
|                                                                                                            | Obtain and maintain licenses and licensed vendor relationships    |
|                                                                                                            | Travel Rule compliance                                            |
|                                                                                                            | Safeguarding and fund protection                                  |

## Building Your Integration

Using Crossmint's stablecoin APIs generally follows three steps.

### 1. Create Wallets for Relevant Entities

Use the [Wallets API](/wallets/overview) to create wallets for every entity in your system:

* **Company wallets** for your own holdings and operations
* **User wallets** for your customers (or they can connect their own external wallets)
* **Agent wallets** for AI agents that need to hold or move stablecoins autonomously

Wallets are the foundation — they represent the accounts that send and receive stablecoins.

### 2. Register Identities for Every External Party

Every external third party that interacts with your system — whether it is a customer using your platform, a contractor receiving a payout, or any other counterparty — must be registered using Crossmint's [Identity APIs](/identity/overview).

When you register an identity, Crossmint's APIs automatically determine what level of verification is needed based on:

* The type of entity (individual vs. business)
* The activity they will perform (receiving a payout vs. on-ramping fiat)
* The jurisdictions involved

You do not need to decide the KYC/KYB level yourself. The API tells you what is required and guides the verification flow.

### 3. Call Money Movement APIs — Crossmint Handles the Checks

Use the money movement APIs to execute your stablecoin flows:

* [Payouts](/stablecoin-orchestration/regulated-transfers/overview) for wallet-to-wallet stablecoin transfers
* [On-ramp](/onramp/overview) to convert fiat to stablecoins
* Off-ramp to convert stablecoins back to fiat

Crossmint performs all the compliance checks necessary on your behalf on every call.

## See Also

<CardGroup cols={2}>
  <Card title="Regulatory Landscape" icon="scale-balanced" href="/stablecoin-orchestration/concepts/regulatory-landscape">
    Why stablecoin transfers are regulated and what compliance requirements apply
  </Card>

  <Card title="Treasury Wallet Guide" icon="rocket" href="/wallets/guides/treasury-wallets">
    Create a wallet and check balances in minutes
  </Card>
</CardGroup>