Compliance Agents¶

Three agents covering AML scoring, full MiCA-aligned compliance checks, and RWA investor suitability. All are non-custodial and work on pure on-chain behavioural data.

chainaware-aml-scorer¶

Model: claude-haiku-4-5-20251001 | Tools: predictive_fraud

AML compliance scoring designed for KYC workflows, exchange onboarding, and regulatory screening. Returns a score from 0 to 100 using the formula (1 - probabilityFraud) × 100, automatically zeroing out any wallet with active forensic flags regardless of the model score.

Example prompts¶

AML score for 0x742d35Cc6634C0532925a3b8D4C9C4e5B7e1234 on Ethereum

Is this wallet AML compliant? 0xAbcd1234... on BNB Chain

KYC screening for new exchange registrant: 0x...

Run AML check before we onboard this user to our DeFi platform: 0x...

Batch AML screen these 20 wallets for our token sale whitelist: [list]

Example output¶

AML SCORE
Address: 0x742d35Cc... | Network: Ethereum

Score: 97 / 100 ✅ PASS

Forensic flags: None
Fraud probability: 0.03

Verdict: Wallet passes AML screening. Safe to onboard.

AML SCORE
Address: 0xMixer... | Network: Ethereum

Score: 0 / 100 🛑 FAIL

Forensic flags:
  ⚠️ Tornado Cash interaction (confirmed mixer)
  ⚠️ Connection to sanctioned address (OFAC list, 2 hops)

Verdict: Hard fail. Forensic flags override model score.
         Do not onboard. Escalate to compliance team.

Formula reference¶

AML Score = (1 - probabilityFraud) × 100
            → Returns 0 if ANY forensic flag is present
            (mixer, sanctions, darknet, known exploit)

chainaware-compliance-screener¶

Model: claude-haiku-4-5-20251001 | Tools: orchestrates fraud-detector, aml-scorer, transaction-monitor, counterparty-screener

The most thorough compliance agent. Orchestrates four sub-checks into a structured Compliance Report with a clear verdict: PASS / ENHANCED DUE DILIGENCE / REJECT.

Aligned with MiCA principles for pure DeFi contexts (~70–75% MiCA coverage without off-chain KYC data). Every report includes an explicit scope disclaimer so it can't be misrepresented as a full regulatory clearance.

Example prompts¶

Is this wallet compliant? 0xUser... on Ethereum

Compliance check for onboarding: 0xApplicant... on BNB Chain

Should we onboard this wallet to our DeFi lending platform? 0x...

MiCA screening for this counterparty before we sign the partnership: 0x...

Flag this wallet for Enhanced Due Diligence or clear it: 0x...

Batch onboarding compliance for 50 wallets — flag anything above EDD threshold: [list]

Example output¶

COMPLIANCE REPORT
Address: 0xUser... | Network: Ethereum
Type: Onboarding screening

Verdict: ✅ PASS
Risk Rating: LOW

Check results:
  Fraud Detection:     PASS   (probability: 0.04)
  AML Score:           PASS   (score: 96/100, no forensic flags)
  Behaviour Profile:   PASS   (veteran, 4 years on-chain)
  Counterparty Risk:   N/A    (onboarding check)

Recommendation: Proceed with standard onboarding.

Scope: On-chain behavioural screening only (~70–75% MiCA coverage).
       Does not substitute for off-chain KYC, identity verification,
       or full regulatory compliance review.

COMPLIANCE REPORT
Address: 0xFlagged... | Network: Ethereum
Type: Transaction screening

Verdict: 🔴 REJECT
Risk Rating: CRITICAL

Check results:
  Fraud Detection:     FAIL   (probability: 0.89)
  AML Score:           FAIL   (mixer interaction, sanctioned counterparty)
  Transaction Monitor: BLOCK  (composite risk: 91/100)

Recommendation: Reject. Do not process. File SAR if required by jurisdiction.

COMPLIANCE REPORT — ENHANCED DUE DILIGENCE
Address: 0xAmbiguous... | Network: BNB Chain

Verdict: 🟡 ENHANCED DUE DILIGENCE REQUIRED
Risk Rating: MEDIUM-HIGH

Check results:
  Fraud Detection:     CAUTION (probability: 0.41 — above normal, below threshold)
  AML Score:           CAUTION (score: 59/100 — elevated, no hard flags)
  Behaviour:           PASS    (moderate experience, 18 months on-chain)

Recommendation: Do not auto-approve. Request additional verification.
                Flag for manual compliance review before proceeding.

chainaware-rwa-investor-screener¶

Model: claude-haiku-4-5-20251001 | Tools: predictive_fraud, predictive_behaviour

RWA investor suitability screening. This is distinct from AML/KYC compliance — it assesses whether a wallet's on-chain experience and risk profile matches the declared risk tier of a Real World Asset offering. Used for whitelisting investors in tokenised funds, real estate tokens, private credit, and similar instruments.

Example prompts¶

Is this wallet suitable for our RWA tokenised real estate fund? 0x... on Ethereum
RWA risk tier: Conservative

RWA suitability check for our $50M tokenised credit fund:
Wallet: 0xInvestor... Network: ETH Risk tier: Moderate

Can this wallet invest in our tokenised government bonds offering? 0x...

Investor qualification for our DeFAI token pre-sale (aggressive tier): 0x...

Whitelist these 30 wallets for our RWA pre-sale — screen for suitability: [list]
Network: Ethereum | Tier: Moderate | Cap: $500k per wallet

Example output¶

RWA INVESTOR SUITABILITY REPORT
Address: 0xInvestor... | Network: Ethereum
RWA Risk Tier: Conservative | Max Cap: $500,000

Suitability Tier: ✅ QUALIFIED
Suitability Score: 88 / 100

Investor Profile:
  Experience:      Veteran (4.2 years on-chain)
  Risk Willingness: Conservative — matches declared tier ✅
  AML Status:      Clean
  Fraud Risk:      Very Low (0.03)

Recommended Investment Cap: $500,000 (full allocation approved)

Risk flags: None

RWA INVESTOR SUITABILITY REPORT
Address: 0xNew... | Network: BNB Chain
RWA Risk Tier: Moderate

Suitability Tier: 🟡 CONDITIONAL
Suitability Score: 52 / 100

Investor Profile:
  Experience:      Beginner (7 months on-chain)
  Risk Willingness: High — above moderate tier threshold ⚠️
  AML Status:      Clean
  Fraud Risk:      Low (0.09)

Recommended Investment Cap: $25,000 (reduced cap for limited experience)
Risk flags:
  - Insufficient on-chain history for full allocation
  - Risk willingness exceeds RWA tier (speculative patterns detected)

Recommendation: Conditional approval at reduced cap. Consider off-chain KYC
                to supplement experience verification.

RWA INVESTOR SUITABILITY REPORT
Address: 0xFlagged... | Network: Ethereum
RWA Risk Tier: Aggressive

Suitability Tier: 🔴 REFER_TO_KYC
Suitability Score: 18 / 100

Risk flags:
  - AML flag: mixer interaction 60 days ago
  - Fraud probability: 0.67

Recommendation: Cannot approve via on-chain screening alone.
                Refer to full KYC/AML compliance review before
                any allocation decision.

Supported RWA tiers¶

Tier	Minimum Experience	Max Fraud Probability	Notes
Conservative	12+ months	< 0.10	Stable, low-risk instruments
Moderate	6+ months	< 0.20	Balanced risk/return
Aggressive	3+ months	< 0.35	High-yield, higher volatility