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Crossmint’s Regulated Transfers enable compliant movement of stablecoins without requiring you to get a license or deal with regulatory hurdles. Simply call a single API to make transfers, and Crossmint takes care of licensing, AML screening, sanctions checks, and travel-rule compliance automatically, so you can focus on your core operations. Key Features
  • Built-in Compliance: Automated AML screening, sanctions checks, and KYC verification for every transaction.
  • Travel Rule Compliance: Automatic IVMS101 data exchange with counterparties.
  • Real-time Screening: Instant verification against global sanctions lists and PEP databases.
  • Audit Trail: Complete transaction records for regulatory reporting and audits.

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When Do You Need Regulated Transfers?

Not all payments require regulated transfers. Understanding when compliance is required helps you choose the right approach:
Transfers between your own treasury wallets are unregulated and work like standard crypto transfers.Use cases:
  • Moving funds between treasury wallets on different chains
  • Rebalancing liquidity across your treasury positions
  • Internal fund management and allocation
Compliance requirements:
  • No compliance checks required
These transfers can be made using standard wallet transfer APIs.
Payouts to your customers require full compliance with travel rule requirements and comprehensive compliance checks.Use cases:
  • Customer refunds
  • Reward payouts
  • Loyalty program disbursements
  • Customer-facing payment operations
Compliance requirements:
  • Travel Rule Compliance: Automatic IVMS101 data exchange with counterparties
  • Sanctions Checks: Real-time screening against global sanctions lists
  • AML Screening: Automated anti-money laundering checks
  • KYC Verification: Identity verification for both parties
Payouts to external third parties such as vendors, suppliers, or service providers require sanctions checks with lighter compliance requirements compared to customer payouts.Use cases:
  • Vendor payments
  • Supplier disbursements
  • Service provider payments
  • B2B transactions
Compliance requirements:
  • Sanctions Checks: Real-time screening against global sanctions lists
For more details on payment types, see the Making Payments guide.

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Use Cases

Enable instant, compliant remittance flows across borders with automated regulatory compliance.
  • Instant settlement: Send cross-border payments in seconds, not days.
  • Automatic compliance: KYC, AML, and travel rule requirements handled automatically.
  • Cost effective: Significantly lower fees compared to traditional remittance corridors.
Send payments to suppliers, partners, and service providers globally with full compliance.
  • B2B transactions: High-value business payments with appropriate compliance controls.
  • Invoice matching: Link payments to invoices for reconciliation and audit trails.
  • Multi-currency: Support for payments in multiple fiat and stablecoin currencies.
  • Batch processing: Execute multiple compliant payments efficiently.
Pay employees and contractors worldwide while maintaining compliance with local regulations.
  • Global payroll: Distribute salaries to team members across borders.
  • Contractor payments: Pay freelancers and contractors in their preferred currency.
  • Tax compliance: Integration points for tax reporting and withholding.
  • Recurring payments: Set up automated, compliant recurring disbursements.
Enable compliant seller payouts and marketplace settlements with automatic compliance checks.
  • Seller verification: Automated KYB checks for marketplace vendors.
  • Payout automation: Schedule or trigger compliant payouts based on business rules.
  • Split payments: Distribute proceeds to multiple parties with compliance coverage.
  • Dispute handling: Full transaction history for dispute resolution.

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Why Crossmint Regulated Transfers

Compliance Automated

AML, sanctions, KYC, and travel rule compliance handled automatically.

Licensed Infrastructure

Operate under Crossmint’s regulatory licenses across multiple jurisdictions.

Instant Settlement

Stablecoin transfers settle in seconds with full compliance coverage.

Audit Ready

Complete audit trails and regulatory reporting built-in.

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How It Works

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1. Initiate Transfer

Create a transfer request with sender and recipient details. Crossmint validates all required information.

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2. Compliance Screening

Automated compliance checks run in real-time:
  • Identity Verification: Confirm KYC/KYB status of both parties
  • AML Screening: Check against global watchlists and sanctions lists
  • Risk Assessment: Evaluate transaction risk based on multiple factors
  • Travel Rule: Exchange IVMS101 data with counterparty VASPs if required

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3. Approval & Execution

Once compliance clears, the transfer is approved and executed:
  • Stablecoin transfer settles on-chain instantly
  • All compliance data is recorded and stored
  • If compliance checks fail, the transaction doesn’t go through

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Get Started

Quickstart ⚡

Get started with regulated transfers in minutes