{ "id": "travel-rule-identity-routing-problem", "title": "Travel Rule identity routing problem", "description": "A Finray Intelligence radar mapping MiCA/TFR Travel Rule identity-routing architecture, primary-source legal anchors, implementation controls, vendors, product artefacts and evidence obligations for EU/EEA CASPs and dual-rail payment institutions.", "layout": "cose-radar", "lastReviewed": "2026-05-09", "evidenceCutoff": "2026-05-09", "nodes": [ { "id": "casp-firm-segment", "label": "MiCA-authorised CASPs", "type": "firm-segment", "subtype": "regulated buyer segment", "summary": "CASPs authorised or preparing authorisation under MiCA that provide transfer services, custody, exchange or related crypto-asset services inside the EU/EEA perimeter.", "description": "This node is the primary buyer segment for the radar. It anchors the TFR identity-routing controls to MiCA-authorised CASP operating models rather than treating the Travel Rule as a stand-alone messaging integration.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng", "evidence": [ "Regulation (EU) 2023/1114 official text, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09", "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "eu-eea", "mica", "casp", "buyer-segment" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "pi-emi-with-crypto-services-firm-segment", "label": "PI/EMI dual-rail crypto service operators", "type": "firm-segment", "subtype": "dual-rail buyer segment", "summary": "Payment institutions and electronic-money institutions that intermediate between fiat and crypto rails, including firms using Article 60 grandfathering or authorisation crossover strategies.", "description": "This segment is included because Travel Rule evidence often has to be reconciled with payment transparency, sanctions and fiat-side AML control evidence before the crypto transfer decision is made.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 official text covering funds and certain crypto-asset transfers, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "ESMA Article 82 transfer-services guidelines under MiCA, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ], "tags": [ "eu-eea", "payment-institutions", "emi", "dual-rail" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "european-banking-authority", "label": "European Banking Authority", "type": "regulator", "subtype": "eu-supervisory-authority", "summary": "EBA is the EU supervisory authority issuing Travel Rule Guidelines under the TFR perimeter.", "description": "In this radar, EBA is the rulebook-operationalisation authority for information-accompanying-transfer controls, missing-information detection and deficient-transfer handling procedures.", "url": "https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "eu", "eba", "tfr", "guidelines" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "european-securities-and-markets-authority", "label": "European Securities and Markets Authority", "type": "regulator", "subtype": "eu-supervisory-authority", "summary": "ESMA is the EU securities markets authority responsible for MiCA supervisory convergence and transfer-services guidance under Article 82.", "description": "In this radar, ESMA anchors the MiCA transfer-services overlay: CASP procedure, policy, client-rights and authorisation-expectation evidence that sits next to TFR Travel Rule controls.", "url": "https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica", "evidence": [ "ESMA Guidelines on transfer services for crypto-assets under MiCA, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ], "tags": [ "eu", "esma", "mica", "article-82" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "european-parliament", "label": "European Parliament", "type": "regulator", "subtype": "eu-legislator", "summary": "European Parliament is one of the EU co-legislators adopting MiCA, TFR and the AML package.", "description": "This node appears only as legal-source provenance for EU regulations and directives; it is not used as an NCA implementation node.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Official Journal record for Regulation (EU) 2023/1113, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "legislator", "official-journal" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "council-of-the-european-union", "label": "Council of the European Union", "type": "regulator", "subtype": "eu-legislator", "summary": "Council of the European Union is one of the EU co-legislators adopting MiCA, TFR and the AML package.", "description": "This node anchors the legal issuance lineage for the EU instruments in the graph. It is distinct from NCA implementation and from EBA or ESMA guidance.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Official Journal record for Regulation (EU) 2023/1113, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "legislator", "official-journal" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "european-commission", "label": "European Commission", "type": "regulator", "subtype": "eu-institution", "summary": "European Commission is the EU institution responsible for proposing and maintaining the digital-finance and AML legislative framework.", "description": "The Commission is included for legislative-policy context and evidence lineage; the graph does not use it as the issuer for EBA or ESMA guidelines.", "url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng", "evidence": [ "Official Journal AML package legal text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "commission", "aml-package" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "financial-action-task-force", "label": "Financial Action Task Force", "type": "regulator", "subtype": "international-standard-setter", "summary": "FATF is the international AML/CFT standard-setter for Recommendation 16 Payment transparency and Recommendation 15 virtual-assets expectations.", "description": "In this radar, FATF is a standard-setting authority rather than an EU regulator. Its Recommendations inform the Travel Rule vocabulary and the virtual-asset risk framing but do not replace EU legal obligations.", "url": "https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09", "FATF Recommendation 16 Payment transparency update, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/update-Recommendation-16-payment-transparency-june-2025.html, accessed 2026-05-09" ], "tags": [ "fatf", "payment-transparency", "virtual-assets" ], "isFinrayProduct": false, "coiNote": null, "watching": "Future FATF Plenary amendments to Recommendation 15 and Recommendation 16 (Payment transparency) and the virtual-asset interpretive note." }, { "id": "autorite-des-marches-financiers", "label": "Autorité des marchés financiers", "type": "regulator", "subtype": "national-competent-authority", "summary": "AMF is the French market authority applying the EBA Travel Rule Guidelines to crypto-asset service providers under its jurisdiction.", "description": "AMF is included as a concrete NCA implementation example. It is not used to imply that every NCA has issued an equivalent Travel Rule position.", "url": "https://www.amf-france.org/en/regulation/policy/doc-2024-08", "evidence": [ "AMF position DOC-2024-08, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09", "AMF announcement applying EBA Travel Rule Guidelines, https://www.amf-france.org/en/news-publications/news/combating-money-laundering-and-terrorist-financing-amf-applies-guidelines-issued-european-banking, accessed 2026-05-09" ], "tags": [ "france", "nca", "eba-guidelines", "tfr" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "cyprus-securities-and-exchange-commission", "label": "Cyprus Securities and Exchange Commission", "type": "regulator", "subtype": "national-competent-authority", "summary": "CySEC is the Cyprus NCA that issued Circular C675 on the TFR and EBA Travel Rule Guidelines for CASPs.", "description": "CySEC is included because this radar is published by a Cyprus-headquartered firm and because C675 gives a concrete NCA example for reporting and implementation obligations.", "url": "https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c", "evidence": [ "CySEC Circular C675, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ], "tags": [ "cyprus", "nca", "c675", "tfr" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "de-nederlandsche-bank", "label": "De Nederlandsche Bank", "type": "regulator", "subtype": "national-competent-authority", "summary": "DNB is included as a Dutch authority publishing a compliance overview for ESA guidelines and recommendations.", "description": "DNB does not create a separate Travel Rule taxonomy in this radar. The node is used only as NCA evidence for how ESA guideline compliance is surfaced in supervisory documentation.", "url": "https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf", "evidence": [ "DNB compliance overview of ESA guidelines and recommendations, https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf, accessed 2026-05-09" ], "tags": [ "netherlands", "nca", "esa-guidelines" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "malta-financial-services-authority", "label": "Malta Financial Services Authority", "type": "regulator", "subtype": "national-competent-authority", "summary": "MFSA is included as a Maltese authority relevant to MiCA authorisation and crypto-asset service supervision.", "description": "In this radar, MFSA is an NCA perimeter node, not a named enforcement source for Travel Rule failure. No Malta CASP is named in the failure-mode analysis.", "url": "https://www.mfsa.mt/wp-content/uploads/2025/12/MFSA-Strategic-Update-2025-Securing-Our-Future-as-a-Resilient-and-Efficient-Jurisdiction.pdf", "evidence": [ "MFSA Strategic Update 2025, https://www.mfsa.mt/wp-content/uploads/2025/12/MFSA-Strategic-Update-2025-Securing-Our-Future-as-a-Resilient-and-Efficient-Jurisdiction.pdf, accessed 2026-05-09" ], "tags": [ "malta", "nca", "mica" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "federal-financial-supervisory-authority-bafin", "label": "BaFin", "type": "regulator", "subtype": "national-competent-authority", "summary": "BaFin is Germany’s federal financial supervisory authority and is included for TFR and MiCA perimeter context.", "description": "BaFin appears as a major EU NCA in the crypto-transfer perimeter through official reporting on application of the Funds Transfer Regulation. It is not used as evidence of a named Travel Rule enforcement case in this radar.", "url": "https://www.bafin.de/SharedDocs/Downloads/EN/Jahresbericht/dl_jb_2024_en.pdf?__blob=publicationFile&v=2", "evidence": [ "BaFin Annual Report 2024 reference to application of the Funds Transfer Regulation, https://www.bafin.de/SharedDocs/Downloads/EN/Jahresbericht/dl_jb_2024_en.pdf?__blob=publicationFile&v=2, accessed 2026-05-09" ], "tags": [ "germany", "nca", "tfr", "mica" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "authority-for-anti-money-laundering-and-countering-the-financing-of-terrorism", "label": "AMLA", "type": "regulator", "subtype": "eu-aml-authority", "summary": "AMLA is the EU anti-money-laundering authority established by Regulation (EU) 2024/1620.", "description": "AMLA is legally established but not yet the direct supervisor of selected obliged entities. The graph flags its 2028 direct-supervision activation as a watch item for future refreshes.", "url": "https://www.amla.europa.eu/about-amla_en", "evidence": [ "AMLA about page, https://www.amla.europa.eu/about-amla_en, accessed 2026-05-09", "AMLA announcement on 2028 direct supervision, https://www.amla.europa.eu/amla-takes-major-step-toward-harmonised-eu-supervision_en, accessed 2026-05-09" ], "tags": [ "eu", "amla", "watch-2028", "aml-package" ], "isFinrayProduct": false, "coiNote": null, "watching": "AMLA direct-supervision activation from 1 January 2028 and the selected obliged-entity list publication; Travel Rule perimeter touch-points." }, { "id": "regulation-eu-2023-1113-tfr", "label": "Regulation (EU) 2023/1113 (TFR)", "type": "regulation", "subtype": "eu-regulation", "summary": "The EU Transfer of Funds Regulation recast creates information-accompanying-transfer obligations for funds and certain crypto-asset transfers.", "description": "For this radar, the relevant legal mapping is Article 14 for information accompanying crypto-asset transfers, Article 15 for batch-file transfers, Article 16 for beneficiary-side missing-information detection and Article 17 for handling missing or incomplete information.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "tfr", "travel-rule", "articles-14-17" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "regulation-eu-2023-1114-mica", "label": "Regulation (EU) 2023/1114 (MiCA)", "type": "regulation", "subtype": "eu-regulation", "summary": "MiCA is the EU crypto-asset markets regulation. Article 82 covers CASPs providing transfer services for crypto-assets on behalf of clients.", "description": "The graph deliberately uses Article 82 for transfer-services architecture. MiCA is not the Travel Rule itself, but Article 82 makes transfer-service procedures, client agreements and ESMA/EBA guidance relevant to the routing layer.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng", "evidence": [ "Regulation (EU) 2023/1114 official text, Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "mica", "article-82", "transfer-services" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "regulation-eu-2024-1624-amlr", "label": "Regulation (EU) 2024/1624 (AMLR)", "type": "regulation", "subtype": "eu-regulation", "summary": "AMLR is the directly applicable EU AML/CFT regulation forming part of the new AML package.", "description": "The Travel Rule is operationally adjacent to customer due diligence, sanctions screening, monitoring and evidence retention controls under the EU AML perimeter; the graph does not collapse AMLR into the TFR.", "url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "amlr", "aml-package" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "directive-eu-2024-1640-amld6", "label": "Directive (EU) 2024/1640 (AMLD6)", "type": "regulation", "subtype": "eu-directive", "summary": "AMLD6 is the EU directive on AML/CFT institutional mechanisms and supervisory architecture.", "description": "This node provides the supervisory architecture context around the Travel Rule control stack. It does not impose the Article 14 to Article 17 crypto-transfer information duties directly.", "url": "https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng", "evidence": [ "Directive (EU) 2024/1640 official text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "amld6", "supervisory-architecture" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "regulation-eu-2024-1620-amla", "label": "Regulation (EU) 2024/1620 (AMLA Regulation)", "type": "regulation", "subtype": "eu-regulation", "summary": "The AMLA Regulation establishes the EU Authority for Anti-Money Laundering and Countering the Financing of Terrorism.", "description": "This node is a future-supervision perimeter source for AML governance and supervisory convergence. It is included with a watch flag because direct AMLA supervision begins later than the current Travel Rule implementation date.", "url": "https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng", "evidence": [ "Regulation (EU) 2024/1620 official text, https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng, accessed 2026-05-09" ], "tags": [ "eu", "amla", "aml-package", "watch-2028" ], "isFinrayProduct": false, "coiNote": null, "watching": "AMLA Regulation implementation milestones, RTS workstream output, CASP-perimeter touch-points." }, { "id": "fatf-recommendations-october-2025", "label": "FATF Recommendations, October 2025 operative version", "type": "regulation", "subtype": "international-standard", "summary": "The FATF Recommendations are the international AML/CFT standards, last updated in October 2025, including Recommendation 16 Payment transparency and Recommendation 15 virtual-asset expectations.", "description": "For this radar, the key correction is that Recommendation 16 is Payment transparency. Virtual-asset service-provider application is framed through Recommendation 15 and its interpretive material, not by retitling Recommendation 16 as a crypto-specific rule.", "url": "https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09", "FATF update on Recommendation 16 Payment transparency, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/update-Recommendation-16-payment-transparency-june-2025.html, accessed 2026-05-09" ], "tags": [ "fatf", "recommendation-16", "payment-transparency", "recommendation-15" ], "isFinrayProduct": false, "coiNote": null, "watching": "Future FATF Plenary updates to Recommendation 15 and Recommendation 16 Payment transparency interpretive material." }, { "id": "eba-travel-rule-guidelines", "label": "EBA Guidelines EBA/GL/2024/11", "type": "standard", "subtype": "eu-guideline", "summary": "EBA Guidelines on information requirements in relation to transfers of funds and certain crypto-assets transfers.", "description": "These guidelines operationalise missing-information detection, deficient-transfer handling and risk-based Travel Rule procedures for PSPs, CASPs and intermediary CASPs under Regulation (EU) 2023/1113.", "url": "https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09", "EBA/GL/2024/11 final guidelines PDF, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ], "tags": [ "eba", "tfr", "travel-rule", "guideline" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "eba-travel-rule-final-report", "label": "EBA Final Report on Travel Rule Guidelines", "type": "standard", "subtype": "eu-final-report", "summary": "The EBA final report supporting EBA/GL/2024/11 explains the policy objectives and implementation rationale for the Travel Rule Guidelines.", "description": "This node is separated from the guidelines page because the report is the source most useful for understanding interpretive rationale, proportionality and the reasons for avoiding divergent implementations.", "url": "https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf", "evidence": [ "EBA Final Report Travel Rule Guidelines PDF, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ], "tags": [ "eba", "final-report", "tfr", "policy-rationale" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "esma-transfer-services-guidelines", "label": "ESMA Guidelines on transfer services for crypto-assets under MiCA", "type": "standard", "subtype": "eu-guideline", "summary": "ESMA guidelines under MiCA Article 82 for CASPs providing transfer services for crypto-assets on behalf of clients.", "description": "These guidelines sit next to the TFR stack. They inform the client-service and procedure layer for transfers but do not replace the Travel Rule information duties in Regulation (EU) 2023/1113.", "url": "https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica", "evidence": [ "ESMA transfer-services guidelines page, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09", "ESMA transfer-services guidelines PDF, https://www.esma.europa.eu/sites/default/files/2025-02/ESMA35-1872330276-2032_Guidelines_on_transfer_services_for_crypto-assets_under_MiCA.pdf, accessed 2026-05-09" ], "tags": [ "esma", "mica", "article-82", "transfer-services" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "esma-casp-authorisation-supervisory-briefing", "label": "ESMA Supervisory Briefing on Authorisation of CASPs", "type": "standard", "subtype": "supervisory-briefing", "summary": "ESMA supervisory briefing for NCAs on authorisation of CASPs under MiCA.", "description": "The briefing is included because pre-application architecture evidence is judged as part of the authorisation file. The radar does not claim that Travel Rule tooling alone determines application outcomes.", "url": "https://www.esma.europa.eu/sites/default/files/2025-01/ESMA75-453128700-1263_Supervisory_Briefing_on_Authorisation_of_CASPs.pdf", "evidence": [ "ESMA Supervisory Briefing on Authorisation of CASPs PDF, https://www.esma.europa.eu/sites/default/files/2025-01/ESMA75-453128700-1263_Supervisory_Briefing_on_Authorisation_of_CASPs.pdf, accessed 2026-05-09" ], "tags": [ "esma", "mica", "authorisation", "supervisory-briefing" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "fatf-stablecoins-unhosted-wallets-targeted-report", "label": "FATF Targeted Report on Stablecoins and Unhosted Wallets, March 2026", "type": "standard", "subtype": "fatf-report", "summary": "FATF March 2026 targeted report on stablecoins, unhosted wallets and peer-to-peer transactions.", "description": "This report supports the self-hosted-address and stablecoin risk context. It is not used to assert EU protocol convergence or to create an extra EU legal threshold.", "url": "https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html", "evidence": [ "FATF targeted report page, https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html, accessed 2026-05-09", "FATF targeted report PDF, https://www.fatf-gafi.org/content/dam/fatf-gafi/publications/targeted-report-on-stablecoins-and-unhosted-wallets.pdf.coredownload.inline.pdf, accessed 2026-05-09" ], "tags": [ "fatf", "stablecoins", "unhosted-wallets", "p2p" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "fatf-best-practices-travel-rule-supervision", "label": "FATF Best Practices on Travel Rule Supervision", "type": "standard", "subtype": "fatf-guidance", "summary": "FATF best-practices paper for supervising Travel Rule implementation.", "description": "This node provides supervisory-pattern context, especially on implementation discipline and evidence. It is not treated as an EU NCA decision or as proof of named EU CASP enforcement.", "url": "https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf", "evidence": [ "FATF Best Practices on Travel Rule Supervision PDF, https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf, accessed 2026-05-09" ], "tags": [ "fatf", "travel-rule", "supervision" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "amf-doc-2024-08", "label": "AMF DOC-2024-08", "type": "standard", "subtype": "nca-position", "summary": "AMF position incorporating the EBA Travel Rule Guidelines for crypto-asset transfers in France.", "description": "This node is the French implementation example. It describes information accompanying transfers, identification of missing or incomplete information and measures for deficient transfers.", "url": "https://www.amf-france.org/en/regulation/policy/doc-2024-08", "evidence": [ "AMF DOC-2024-08, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09" ], "tags": [ "amf", "france", "nca-position", "eba-guidelines" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "amf-travel-rule-guidelines-announcement", "label": "AMF announcement applying EBA Travel Rule Guidelines", "type": "standard", "subtype": "nca-announcement", "summary": "AMF public announcement that it applies the EBA Travel Rule Guidelines from 30 December 2024.", "description": "The announcement is included as a dated NCA implementation source. It supports the editorial choice to cite AMF specifically rather than overclaiming every NCA implementation posture.", "url": "https://www.amf-france.org/en/news-publications/news/combating-money-laundering-and-terrorist-financing-amf-applies-guidelines-issued-european-banking", "evidence": [ "AMF announcement applying the EBA Guidelines, https://www.amf-france.org/en/news-publications/news/combating-money-laundering-and-terrorist-financing-amf-applies-guidelines-issued-european-banking, accessed 2026-05-09" ], "tags": [ "amf", "france", "announcement", "tfr" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "cysec-circular-c675", "label": "CySEC Circular C675", "type": "standard", "subtype": "nca-circular", "summary": "CySEC Circular C675 on Regulation (EU) 2023/1113, the EBA Travel Rule Guidelines and reporting obligations for CASPs.", "description": "This node is the Cyprus implementation example. It supports the repeated-failure and reporting emphasis without naming any specific CASP failure case.", "url": "https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c", "evidence": [ "CySEC Circular C675 PDF, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ], "tags": [ "cysec", "cyprus", "nca-circular", "reporting" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "dnb-esa-guidelines-compliance-overview", "label": "DNB ESA Guidelines compliance overview", "type": "standard", "subtype": "nca-compliance-overview", "summary": "DNB’s compliance overview for European Supervisory Authority guidelines and recommendations.", "description": "This node appears as a supervisory documentation example for ESA guideline compliance. It is not used to claim a Dutch Travel Rule enforcement finding.", "url": "https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf", "evidence": [ "DNB compliance overview of ESA guidelines and recommendations PDF, https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf, accessed 2026-05-09" ], "tags": [ "dnb", "netherlands", "esa-guidelines", "compliance-overview" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "information-accompanying-transfer-originator", "label": "Information accompanying transfer: originator side", "type": "control", "subtype": "legal-control", "summary": "Originator-side collection and transmission of required information accompanying crypto-asset transfers under TFR Article 14.", "description": "This control is the core Travel Rule data obligation for crypto-asset transfers. It is intentionally separated from Article 15, which is a batch-file provision.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 Article 14, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "tfr", "article-14", "originator-side", "data" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "batch-file-transfer-handling", "label": "Batch-file transfer handling", "type": "control", "subtype": "legal-control", "summary": "Handling of batch-file transfers under TFR Article 15.", "description": "The node prevents a common drafting error: Article 15 is not the general Travel Rule obligation; it is the batch-file handling provision.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 Article 15, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "tfr", "article-15", "batch-file" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "beneficiary-side-missing-info-detection", "label": "Beneficiary-side missing-information detection", "type": "control", "subtype": "legal-control", "summary": "Detection by beneficiary CASPs of missing or incomplete required information under TFR Article 16.", "description": "This control converts incoming Travel Rule messages into pre-transfer or post-receipt decision evidence rather than relying on a network message having been sent.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 Article 16, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "tfr", "article-16", "beneficiary-side", "detection" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "beneficiary-side-handling-procedures", "label": "Beneficiary-side handling procedures", "type": "control", "subtype": "legal-control", "summary": "Procedures for transfers with missing or incomplete information under TFR Article 17.", "description": "This control captures rejection, return, suspension, follow-up and risk-based handling logic at the beneficiary side.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 Article 17, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA/GL/2024/11 final guidelines PDF, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ], "tags": [ "tfr", "article-17", "beneficiary-side", "procedures" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "self-hosted-ownership-control-assessment", "label": "Self-hosted address ownership-or-control assessment", "type": "control", "subtype": "threshold-control", "summary": "Ownership-or-control assessment for self-hosted addresses when the relevant EUR 1,000 threshold is met.", "description": "The threshold is modelled as an ownership-or-control assessment threshold for self-hosted addresses, not as a Travel Rule de minimis exemption.", "url": "https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng", "evidence": [ "Regulation (EU) 2023/1113 self-hosted address provisions, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "FMA explanatory page on the TFR self-hosted address ownership-or-control check, https://www.fma.gv.at/en/cross-sectoral-topics/prevention-of-money-laundering-terrorist-financing/transfer-of-funds-regulation-tfr/, accessed 2026-05-09" ], "tags": [ "tfr", "self-hosted-address", "eur-1000", "ownership-control" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "counterparty-resolution-layer", "label": "Counterparty resolution layer", "type": "control", "subtype": "architecture-control", "summary": "Resolution of the sending or receiving counterparty before selecting a Travel Rule transmission path.", "description": "This layer maps wallet, customer, VASP and network evidence before a CASP decides whether it has enough information to execute, reject, suspend or escalate a transfer.", "url": "https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "architecture", "counterparty-resolution", "pre-transfer" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "customer-and-wallet-control-layer", "label": "Customer and wallet control layer", "type": "control", "subtype": "architecture-control", "summary": "Linkage between verified customer identity, wallet/address evidence and transfer instruction evidence.", "description": "The layer makes transfer decisions auditable: it ties CDD, wallet ownership, sanctions and transaction-monitoring evidence to the originator or beneficiary role.", "url": "https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica", "evidence": [ "ESMA transfer-services guidelines under MiCA Article 82, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09", "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ], "tags": [ "architecture", "customer", "wallet", "identity" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "route-policy-layer", "label": "Route-policy layer", "type": "control", "subtype": "architecture-control", "summary": "Policy rules selecting whether a transfer can be sent, delayed, rejected, returned or routed through a supported messaging path.", "description": "Route policy is not protocol convergence. It is a control layer that chooses the permitted evidence and transport route for a transfer under legal and risk constraints.", "url": "https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "architecture", "routing", "policy", "decisioning" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "protocol-agnostic-transport", "label": "Protocol-agnostic transport", "type": "control", "subtype": "architecture-control", "summary": "Ability to exchange required Travel Rule information without making one network protocol the compliance control.", "description": "This control avoids the buyer trap of treating TRP, Notabene-supported messaging, IVMS-101 or any other transport artefact as a complete compliance architecture.", "url": "https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09", "OpenVASP Travel Rule Protocol page, https://www.openvasp.org/trp, accessed 2026-05-09" ], "tags": [ "architecture", "transport", "protocol-agnostic" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "exception-and-evidence-layer", "label": "Exception and evidence layer", "type": "control", "subtype": "architecture-control", "summary": "Operational evidence for exceptions, missing data, rejected transfers, returned transfers and escalation decisions.", "description": "This layer is the audit trail for the decision, not merely the message trace. It should be reconstructable by compliance, operations, internal audit and supervisory reviewers.", "url": "https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf", "evidence": [ "EBA Final Report Travel Rule Guidelines PDF, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ], "tags": [ "architecture", "evidence", "exceptions", "audit-trail" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "repeated-failure-reporting", "label": "Repeated-failure reporting", "type": "control", "subtype": "legal-control", "summary": "Identification and reporting/escalation of repeated failures to provide required Travel Rule information.", "description": "This control is included because Article 17 handling procedures and NCA circulars make repeated failures a supervisory evidence issue, not just a message-processing issue.", "url": "https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c", "evidence": [ "Regulation (EU) 2023/1113 Article 17, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "CySEC Circular C675 PDF, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ], "tags": [ "tfr", "article-17", "reporting", "cysec" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "management-information-layer", "label": "Management information layer", "type": "control", "subtype": "governance-control", "summary": "MI for Travel Rule exceptions, unresolved counterparties, self-hosted checks and repeated failures.", "description": "The layer converts event-level Travel Rule decisions into board, MLRO and supervisory evidence. It links TFR operations to broader AML governance.", "url": "https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf", "evidence": [ "DNB compliance overview of ESA guidelines and recommendations PDF, https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "governance", "mi", "mlro", "supervisory-evidence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "sanctions-screening-tfr-relevant", "label": "Sanctions screening linked to TFR information", "type": "control", "subtype": "financial-crime-control", "summary": "Sanctions screening using Travel Rule identity, wallet and counterparty data where relevant.", "description": "This control captures the compliance value of the Travel Rule data payload: it should improve sanctions screening and escalation evidence, not sit in a parallel message silo.", "url": "https://www.fatf-gafi.org/en/publications/Fatfrecommendations/update-Recommendation-16-payment-transparency-june-2025.html", "evidence": [ "FATF Recommendation 16 Payment transparency update, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/update-Recommendation-16-payment-transparency-june-2025.html, accessed 2026-05-09", "EBA restrictive measures final report referencing EBA/GL/2024/11, https://www.eba.europa.eu/sites/default/files/2024-11/eaeae49d-81a5-4154-8af9-5014f6ee8881/Final%20Report%20Guidelines%20restrictive%20measures%20.pdf, accessed 2026-05-09" ], "tags": [ "sanctions", "screening", "payment-transparency", "tfr" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "transaction-monitoring-tfr-coupling", "label": "Transaction monitoring coupled to TFR data", "type": "control", "subtype": "financial-crime-control", "summary": "Transaction monitoring that uses Travel Rule identity, counterparty, asset and transfer context as risk inputs.", "description": "The control prevents a common design failure: Travel Rule messages are not useful if the monitoring system cannot use them before, during or after transfer decisioning.", "url": "https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html", "evidence": [ "FATF targeted report on stablecoins and unhosted wallets, https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "transaction-monitoring", "tfr", "stablecoins", "risk" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "case-management", "label": "Case management", "type": "control", "subtype": "operations-control", "summary": "Workflow for investigation, escalation, remediation and evidence closure of Travel Rule exceptions.", "description": "Case management is a required operational layer whenever missing information, self-hosted address evidence, sanctions hits or repeated counterparty failures need documented handling.", "url": "https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf", "evidence": [ "EBA Final Report Travel Rule Guidelines PDF, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ], "tags": [ "case-management", "operations", "exceptions" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "evidence-reconstruction-pre-transfer-decision", "label": "Evidence reconstruction before transfer decision", "type": "control", "subtype": "architecture-control", "summary": "Ability to reconstruct the evidence available before the transfer decision was made.", "description": "This is the highest-value architectural control in the radar. It separates audit-ready identity routing from a vendor demo that proves only that a message was technically sent.", "url": "https://www.esma.europa.eu/sites/default/files/2025-02/ESMA35-1872330276-2032_Guidelines_on_transfer_services_for_crypto-assets_under_MiCA.pdf", "evidence": [ "ESMA transfer-services guidelines PDF, https://www.esma.europa.eu/sites/default/files/2025-02/ESMA35-1872330276-2032_Guidelines_on_transfer_services_for_crypto-assets_under_MiCA.pdf, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ], "tags": [ "architecture", "pre-transfer", "audit-readiness", "decision-evidence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "finray-technologies", "label": "Finray Technologies", "type": "vendor", "subtype": "platform-vendor", "summary": "Finray Technologies is the publisher and operator of XZiel.", "description": "Finray is included only to provide the produced-by edge for XZiel and to carry the conflict-of-interest context required by the editorial methodology.", "url": "https://finray.tech/company/", "evidence": [ "Finray company page describing XZiel, https://finray.tech/company/, accessed 2026-05-09" ], "tags": [ "finray", "xziel", "publisher" ], "isFinrayProduct": false, "coiNote": "XZiel is built and operated by Finray Technologies Ltd, the publisher of this graph. XZiel is recused from any qualitative ranking. Inclusion is for completeness in the buyer-guide vendor universe under the editorial methodology at /intelligence/methodology/.", "watching": null }, { "id": "trm-labs", "label": "TRM Labs", "type": "vendor", "subtype": "blockchain-intelligence-vendor", "summary": "TRM Labs provides blockchain-intelligence tooling used for wallet screening, transaction monitoring and investigations.", "description": "TRM Labs is included in the same vendor-neutral universe as other blockchain-intelligence vendors. Its partner status is disclosed in coiNote and tags, and it is not marked as a Finray product.", "url": "https://www.trmlabs.com/resources/blog/trm-labs-and-finray-technologies-partner-to-deliver-audit-ready-crypto-transaction-monitoring-to-banking-and-payments-workflows", "evidence": [ "TRM Labs and Finray Technologies partnership press release, https://www.trmlabs.com/resources/blog/trm-labs-and-finray-technologies-partner-to-deliver-audit-ready-crypto-transaction-monitoring-to-banking-and-payments-workflows, accessed 2026-05-09", "TRM Wallet Screening product page, https://www.trmlabs.com/blockchain-intelligence-platform/wallet-screening, accessed 2026-05-09" ], "tags": [ "blockchain-intelligence", "wallet-screening", "transaction-monitoring", "finray-partner" ], "isFinrayProduct": false, "coiNote": "TRM Labs is a signed blockchain-intelligence partner of Finray Technologies under the TRM Labs press release of February 2026 (Data Governance, Reseller, Mutual Referral and Press Release agreements). Inclusion in this graph is on the same vendor-neutral basis as every other listed vendor; TRM Labs is recused from any qualitative ranking by Finray.", "watching": null }, { "id": "chainalysis", "label": "Chainalysis", "type": "vendor", "subtype": "blockchain-intelligence-vendor", "summary": "Chainalysis provides blockchain data, investigations and KYT tooling for crypto transaction monitoring.", "description": "In this radar Chainalysis is mapped as a blockchain-intelligence support vendor for wallet risk, transaction monitoring and investigation evidence, not as a Travel Rule protocol authority.", "url": "https://www.chainalysis.com/product/kyt/", "evidence": [ "Chainalysis KYT product page, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ], "tags": [ "blockchain-intelligence", "kyt", "transaction-monitoring" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "elliptic", "label": "Elliptic", "type": "vendor", "subtype": "blockchain-intelligence-vendor", "summary": "Elliptic provides blockchain-intelligence products including wallet and transaction risk analysis.", "description": "Elliptic is included as a blockchain-intelligence support vendor for address screening, exposure analysis and investigation evidence around Travel Rule decisions.", "url": "https://www.elliptic.co/platform/lens", "evidence": [ "Elliptic Lens product page, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ], "tags": [ "blockchain-intelligence", "wallet-screening", "risk" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "notabene", "label": "Notabene", "type": "vendor", "subtype": "travel-rule-network-vendor", "summary": "Notabene provides Travel Rule compliance infrastructure and SafeTransact/Network capabilities.", "description": "Notabene is mapped as a Travel Rule messaging and counterparty-discovery vendor. The graph uses current Notabene product naming and does not rely on unsupported legacy naming.", "url": "https://notabene.id/solutions/safe-transact", "evidence": [ "Notabene SafeTransact page, https://notabene.id/solutions/safe-transact, accessed 2026-05-09", "Notabene homepage, https://notabene.id/, accessed 2026-05-09" ], "tags": [ "travel-rule", "counterparty-messaging", "safe-transact" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "sumsub", "label": "Sumsub", "type": "vendor", "subtype": "identity-and-travel-rule-vendor", "summary": "Sumsub provides identity verification and Travel Rule compliance tooling.", "description": "Sumsub appears as a KYC plus Travel Rule support vendor: it can contribute customer verification, counterparty data and Travel Rule workflow evidence.", "url": "https://sumsub.com/travel-rule/", "evidence": [ "Sumsub Travel Rule page, https://sumsub.com/travel-rule/, accessed 2026-05-09", "Sumsub Travel Rule product and compliance guide, https://docs.sumsub.com/docs/travel-rule-product-and-compliance-guide, accessed 2026-05-09" ], "tags": [ "kyc", "travel-rule", "identity" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "onfido", "label": "Onfido (Entrust)", "type": "vendor", "subtype": "identity-verification-vendor", "summary": "Onfido, now part of Entrust, provides identity verification capabilities.", "description": "The Onfido node is included for the identity-control layer that supports customer evidence, not as a crypto Travel Rule messaging protocol.", "url": "https://www.entrust.com/products/identity-verification", "evidence": [ "Entrust identity verification product page, https://www.entrust.com/products/identity-verification, accessed 2026-05-09" ], "tags": [ "identity-verification", "kyc", "customer-evidence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "complyadvantage", "label": "ComplyAdvantage", "type": "vendor", "subtype": "financial-crime-intelligence-vendor", "summary": "ComplyAdvantage provides sanctions, watchlist and financial-crime risk intelligence.", "description": "ComplyAdvantage is mapped to sanctions and screening controls linked to TFR identity data, not to Travel Rule message transport.", "url": "https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/", "evidence": [ "ComplyAdvantage sanctions and watchlists screening page, https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/, accessed 2026-05-09", "ComplyAdvantage homepage, https://complyadvantage.com/, accessed 2026-05-09" ], "tags": [ "sanctions", "watchlists", "financial-crime-intelligence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "sardine", "label": "Sardine", "type": "vendor", "subtype": "fraud-and-aml-platform-vendor", "summary": "Sardine provides fraud, AML and transaction monitoring capabilities.", "description": "Sardine is included for transaction-monitoring and case-management support around fiat and crypto risk signals, especially in dual-rail operating models.", "url": "https://www.sardine.ai/", "evidence": [ "Sardine homepage, https://www.sardine.ai/, accessed 2026-05-09", "Sardine transaction monitoring page, https://www.sardine.ai/transaction-monitoring, accessed 2026-05-09" ], "tags": [ "fraud", "aml", "transaction-monitoring" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "complycube", "label": "ComplyCube", "type": "vendor", "subtype": "identity-and-screening-vendor", "summary": "ComplyCube provides KYC, AML screening, sanctions and compliance automation tooling.", "description": "ComplyCube is mapped to identity verification, screening and workflow support. It is not treated as a Travel Rule protocol governance body.", "url": "https://www.complycube.com/en/", "evidence": [ "ComplyCube homepage, https://www.complycube.com/en/, accessed 2026-05-09", "ComplyCube product guides, https://docs.complycube.com/documentation/product-guides, accessed 2026-05-09" ], "tags": [ "kyc", "screening", "compliance-automation" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "openvasp-association", "label": "OpenVASP Association", "type": "vendor", "subtype": "protocol-standards-organisation", "summary": "OpenVASP Association develops the Travel Rule Protocol standard.", "description": "This node is included as a protocol standards organisation. The graph does not claim that TRP has converged with other Travel Rule networks unless a regulator or EBA source says so.", "url": "https://www.openvasp.org/trp", "evidence": [ "OpenVASP Travel Rule Protocol page, https://www.openvasp.org/trp, accessed 2026-05-09", "OpenVASP TRP specification repository, https://gitlab.com/OpenVASP/travel-rule-protocol/-/blob/master/core/specification.md?ref_type=heads, accessed 2026-05-09" ], "tags": [ "openvasp", "trp", "protocol", "standards" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "intervasp-standards-working-group", "label": "InterVASP Standards Working Group", "type": "vendor", "subtype": "data-standard-working-group", "summary": "InterVASP Standards Working Group is the standards group associated with IVMS-101 Travel Rule data-model work.", "description": "The node separates the IVMS-101 data standard from TRP governance. IVMS-101 is a payload/data standard, not the governance body for TRP.", "url": "https://vaspnet.com/articles/intervasp-standards-working-group-updates-global-language-vasps-use-to-communicate-mandated-travel-rule-data", "evidence": [ "VASPnet article on InterVASP Standards Working Group and IVMS-101, https://vaspnet.com/articles/intervasp-standards-working-group-updates-global-language-vasps-use-to-communicate-mandated-travel-rule-data, accessed 2026-05-09", "InterVASP Messaging Standard repository, https://gitlab.com/intervasp/interVASP-Messaging-Standard, accessed 2026-05-09" ], "tags": [ "ivms-101", "data-standard", "travel-rule" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "xziel", "label": "XZiel", "type": "product", "subtype": "finray-product", "summary": "XZiel is Finray’s fiat and crypto transaction risk, sanctions, investigations and case-management platform.", "description": "In this radar XZiel is mapped only as an architecture-support product for evidence routing, sanctions, transaction monitoring and case management. It is recused from qualitative ranking.", "url": "https://finray.tech/company/", "evidence": [ "Finray company page describing XZiel, https://finray.tech/company/, accessed 2026-05-09" ], "tags": [ "finray-product", "transaction-risk", "case-management", "sanctions" ], "isFinrayProduct": true, "coiNote": "XZiel is built and operated by Finray Technologies Ltd, the publisher of this graph. XZiel is recused from any qualitative ranking. Inclusion is for completeness in the buyer-guide vendor universe under the editorial methodology at /intelligence/methodology/.", "watching": null }, { "id": "trm-transaction-monitoring-wallet-screening", "label": "TRM Transaction Monitoring and Wallet Screening", "type": "product", "subtype": "blockchain-intelligence-product", "summary": "TRM transaction-monitoring and wallet-screening capabilities support wallet risk, transaction monitoring and investigation evidence.", "description": "The product node supports blockchain intelligence around Travel Rule decisions. It is third-party tooling and is not marked as a Finray product.", "url": "https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring", "evidence": [ "TRM Transaction Monitoring page, https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring, accessed 2026-05-09", "TRM Wallet Screening page, https://www.trmlabs.com/blockchain-intelligence-platform/wallet-screening, accessed 2026-05-09" ], "tags": [ "blockchain-intelligence", "transaction-monitoring", "wallet-screening", "finray-partner" ], "isFinrayProduct": false, "coiNote": "TRM Labs is a signed blockchain-intelligence partner of Finray Technologies under the TRM Labs press release of February 2026 (Data Governance, Reseller, Mutual Referral and Press Release agreements). Inclusion in this graph is on the same vendor-neutral basis as every other listed vendor; TRM Labs is recused from any qualitative ranking by Finray.", "watching": null }, { "id": "chainalysis-kyt", "label": "Chainalysis KYT", "type": "product", "subtype": "blockchain-intelligence-product", "summary": "Chainalysis KYT supports crypto transaction monitoring and risk detection.", "description": "In the Travel Rule architecture, KYT contributes wallet and transaction risk evidence but does not replace originator and beneficiary information duties.", "url": "https://www.chainalysis.com/product/kyt/", "evidence": [ "Chainalysis KYT product page, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ], "tags": [ "kyt", "transaction-monitoring", "blockchain-intelligence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "elliptic-lens", "label": "Elliptic Lens", "type": "product", "subtype": "blockchain-intelligence-product", "summary": "Elliptic Lens supports wallet screening and address risk analysis.", "description": "The product is mapped to customer-and-wallet control, counterparty resolution and monitoring evidence where address risk is relevant to a transfer decision.", "url": "https://www.elliptic.co/platform/lens", "evidence": [ "Elliptic Lens product page, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ], "tags": [ "wallet-screening", "address-risk", "blockchain-intelligence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "notabene-safetransact-network", "label": "Notabene SafeTransact / Network", "type": "product", "subtype": "travel-rule-product", "summary": "Notabene SafeTransact and Network capabilities support counterparty identification, screening and Travel Rule information exchange.", "description": "This product node uses current Notabene-supported messaging nomenclature. It is mapped as a transport and counterparty-resolution layer, not as the whole compliance architecture.", "url": "https://notabene.id/solutions/safe-transact", "evidence": [ "Notabene SafeTransact page, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ], "tags": [ "travel-rule", "safe-transact", "network", "messaging" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "sumsub-travel-rule", "label": "Sumsub Travel Rule", "type": "product", "subtype": "travel-rule-product", "summary": "Sumsub Travel Rule supports Travel Rule compliance workflows and counterparty data exchange.", "description": "This node maps Sumsub to Travel Rule workflow support and KYC-linked evidence, not to supervisory interpretation of Articles 14 to 17.", "url": "https://sumsub.com/travel-rule/", "evidence": [ "Sumsub Travel Rule page, https://sumsub.com/travel-rule/, accessed 2026-05-09", "Sumsub Travel Rule product and compliance guide, https://docs.sumsub.com/docs/travel-rule-product-and-compliance-guide, accessed 2026-05-09" ], "tags": [ "travel-rule", "kyc", "workflow" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "entrust-onfido-identity-verification", "label": "Entrust Onfido Identity Verification", "type": "product", "subtype": "identity-verification-product", "summary": "Entrust Onfido identity verification supports customer identity evidence.", "description": "The product maps to customer verification and wallet-control evidence, not to Travel Rule messaging or protocol governance.", "url": "https://www.entrust.com/products/identity-verification", "evidence": [ "Entrust identity verification product page, https://www.entrust.com/products/identity-verification, accessed 2026-05-09" ], "tags": [ "identity-verification", "kyc", "customer-evidence" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "complyadvantage-screening-platform", "label": "ComplyAdvantage Screening Platform", "type": "product", "subtype": "screening-product", "summary": "ComplyAdvantage screening supports sanctions and watchlist screening.", "description": "The product is mapped to sanctions-screening controls that may use Travel Rule identity and counterparty data as inputs.", "url": "https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/", "evidence": [ "ComplyAdvantage sanctions and watchlists screening page, https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/, accessed 2026-05-09" ], "tags": [ "sanctions", "watchlists", "screening" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "sardine-agentic-financial-crime-platform", "label": "Sardine Agentic Financial Crime Platform", "type": "product", "subtype": "aml-monitoring-product", "summary": "Sardine’s financial-crime platform supports fraud prevention, AML and transaction monitoring.", "description": "This product is mapped to dual-rail monitoring, exception workflow and case-management support in fiat and crypto transfer operations.", "url": "https://www.sardine.ai/", "evidence": [ "Sardine homepage, https://www.sardine.ai/, accessed 2026-05-09", "Sardine transaction monitoring page, https://www.sardine.ai/transaction-monitoring, accessed 2026-05-09" ], "tags": [ "aml", "fraud", "transaction-monitoring", "case-management" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "complycube-kyc-aml-platform", "label": "ComplyCube KYC/AML Platform", "type": "product", "subtype": "identity-and-screening-product", "summary": "ComplyCube supports identity verification, sanctions screening, fraud detection and compliance automation.", "description": "The product maps to customer evidence, screening and case workflow controls that can be connected to a Travel Rule decision record.", "url": "https://docs.complycube.com/documentation/product-guides", "evidence": [ "ComplyCube product guides, https://docs.complycube.com/documentation/product-guides, accessed 2026-05-09", "ComplyCube homepage, https://www.complycube.com/en/, accessed 2026-05-09" ], "tags": [ "kyc", "aml", "screening", "workflow" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "travel-rule-protocol-trp", "label": "Travel Rule Protocol (TRP)", "type": "product", "subtype": "protocol-standard", "summary": "TRP is an open Travel Rule Protocol standard developed by the OpenVASP Association.", "description": "TRP is treated as a transport/protocol artefact. The graph does not assert that protocol-bridge convergence has been regulator-confirmed.", "url": "https://www.openvasp.org/trp", "evidence": [ "OpenVASP Travel Rule Protocol page, https://www.openvasp.org/trp, accessed 2026-05-09", "OpenVASP TRP specification repository, https://gitlab.com/OpenVASP/travel-rule-protocol/-/blob/master/core/specification.md?ref_type=heads, accessed 2026-05-09" ], "tags": [ "trp", "openvasp", "protocol", "transport" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "ivms-101-data-model", "label": "IVMS-101 data model", "type": "product", "subtype": "data-standard", "summary": "IVMS-101 is a data model for communicating Travel Rule information between VASPs.", "description": "IVMS-101 is included as a data-standard artefact. It is not the governance body for TRP and should not be described as protocol governance.", "url": "https://gitlab.com/intervasp/interVASP-Messaging-Standard", "evidence": [ "InterVASP Messaging Standard repository, https://gitlab.com/intervasp/interVASP-Messaging-Standard, accessed 2026-05-09", "VASPnet article on IVMS-101 update and InterVASP Standards Working Group, https://vaspnet.com/articles/intervasp-standards-working-group-updates-global-language-vasps-use-to-communicate-mandated-travel-rule-data, accessed 2026-05-09" ], "tags": [ "ivms-101", "data-standard", "payload" ], "isFinrayProduct": false, "coiNote": null, "watching": null } ], "edges": [ { "source": "casp-firm-segment", "target": "regulation-eu-2023-1113-tfr", "type": "requires", "label": "CASP transfer operations require TFR Travel Rule compliance", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "casp-firm-segment", "target": "regulation-eu-2023-1114-mica", "type": "requires", "label": "CASP transfer services sit under MiCA Article 82", "strength": "full", "evidence": [ "Regulation (EU) 2023/1114 Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "casp-firm-segment", "target": "regulation-eu-2024-1624-amlr", "type": "requires", "label": "CASPs operate inside the EU AML package perimeter", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "casp-firm-segment", "target": "directive-eu-2024-1640-amld6", "type": "requires", "label": "CASPs are supervised within the AML institutional perimeter", "strength": "partial", "evidence": [ "Directive (EU) 2024/1640 official text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "casp-firm-segment", "target": "regulation-eu-2024-1620-amla", "type": "requires", "label": "AMLA creates future EU AML supervisory convergence context", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1620 official text, https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng, accessed 2026-05-09" ] }, { "source": "casp-firm-segment", "target": "fatf-recommendations-october-2025", "type": "requires", "label": "FATF Recommendations inform VASP Travel Rule implementation expectations", "strength": "indirect", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "pi-emi-with-crypto-services-firm-segment", "target": "regulation-eu-2023-1113-tfr", "type": "requires", "label": "Dual-rail operators reconcile funds and crypto transfer evidence under TFR", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "pi-emi-with-crypto-services-firm-segment", "target": "regulation-eu-2024-1624-amlr", "type": "requires", "label": "Dual-rail operators sit in AMLR control perimeter where applicable", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "pi-emi-with-crypto-services-firm-segment", "target": "directive-eu-2024-1640-amld6", "type": "requires", "label": "Dual-rail operators face supervisory architecture under AMLD6 where applicable", "strength": "partial", "evidence": [ "Directive (EU) 2024/1640 official text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "pi-emi-with-crypto-services-firm-segment", "target": "regulation-eu-2023-1114-mica", "type": "requires", "label": "Crypto transfer services may trigger MiCA Article 82 transfer-service design", "strength": "partial", "evidence": [ "ESMA transfer-services guidelines under MiCA, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ] }, { "source": "pi-emi-with-crypto-services-firm-segment", "target": "fatf-recommendations-october-2025", "type": "requires", "label": "Payment transparency and virtual-asset expectations inform dual-rail controls", "strength": "indirect", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "european-parliament", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "council-of-the-european-union", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "european-parliament", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "council-of-the-european-union", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "european-parliament", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "council-of-the-european-union", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "directive-eu-2024-1640-amld6", "target": "european-parliament", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "directive-eu-2024-1640-amld6", "target": "council-of-the-european-union", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1620-amla", "target": "european-parliament", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1620-amla", "target": "council-of-the-european-union", "type": "issued-by", "label": "EU legal instrument adopted by European Parliament and Council", "strength": "full", "evidence": [ "Official Journal legal text, https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng, accessed 2026-05-09" ] }, { "source": "fatf-recommendations-october-2025", "target": "financial-action-task-force", "type": "issued-by", "label": "FATF Recommendations issued by FATF", "strength": "full", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "european-commission", "target": "regulation-eu-2024-1624-amlr", "type": "evidence-for", "label": "Commission policy context for the AML package", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "information-accompanying-transfer-originator", "type": "requires", "label": "TFR imposes or anchors this Travel Rule control", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "batch-file-transfer-handling", "type": "requires", "label": "TFR imposes or anchors this Travel Rule control", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "beneficiary-side-missing-info-detection", "type": "requires", "label": "TFR imposes or anchors this Travel Rule control", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "beneficiary-side-handling-procedures", "type": "requires", "label": "TFR imposes or anchors this Travel Rule control", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "self-hosted-ownership-control-assessment", "type": "requires", "label": "TFR imposes or anchors this Travel Rule control", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "repeated-failure-reporting", "type": "requires", "label": "TFR imposes or anchors this Travel Rule control", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "counterparty-resolution-layer", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "protocol-agnostic-transport", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "exception-and-evidence-layer", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "sanctions-screening-tfr-relevant", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "transaction-monitoring-tfr-coupling", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "case-management", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "evidence-reconstruction-pre-transfer-decision", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "management-information-layer", "type": "requires", "label": "TFR and EBA guidance make this architecture layer necessary for audit-ready implementation", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09", "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "customer-and-wallet-control-layer", "type": "requires", "label": "MiCA Article 82 transfer-services procedures support this control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1114 Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "route-policy-layer", "type": "requires", "label": "MiCA Article 82 transfer-services procedures support this control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1114 Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "exception-and-evidence-layer", "type": "requires", "label": "MiCA Article 82 transfer-services procedures support this control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1114 Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "evidence-reconstruction-pre-transfer-decision", "type": "requires", "label": "MiCA Article 82 transfer-services procedures support this control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2023/1114 Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "sanctions-screening-tfr-relevant", "type": "requires", "label": "AMLR perimeter supports this AML control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "transaction-monitoring-tfr-coupling", "type": "requires", "label": "AMLR perimeter supports this AML control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "case-management", "type": "requires", "label": "AMLR perimeter supports this AML control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "management-information-layer", "type": "requires", "label": "AMLR perimeter supports this AML control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1624-amlr", "target": "customer-and-wallet-control-layer", "type": "requires", "label": "AMLR perimeter supports this AML control layer", "strength": "partial", "evidence": [ "Regulation (EU) 2024/1624 official text, https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng, accessed 2026-05-09" ] }, { "source": "directive-eu-2024-1640-amld6", "target": "management-information-layer", "type": "requires", "label": "AMLD6 supervisory architecture supports governance evidence for this control", "strength": "partial", "evidence": [ "Directive (EU) 2024/1640 official text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "directive-eu-2024-1640-amld6", "target": "case-management", "type": "requires", "label": "AMLD6 supervisory architecture supports governance evidence for this control", "strength": "partial", "evidence": [ "Directive (EU) 2024/1640 official text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "directive-eu-2024-1640-amld6", "target": "repeated-failure-reporting", "type": "requires", "label": "AMLD6 supervisory architecture supports governance evidence for this control", "strength": "partial", "evidence": [ "Directive (EU) 2024/1640 official text, https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1620-amla", "target": "management-information-layer", "type": "requires", "label": "AMLA supervisory convergence makes this control a future watch item", "strength": "indirect", "evidence": [ "Regulation (EU) 2024/1620 official text, https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2024-1620-amla", "target": "case-management", "type": "requires", "label": "AMLA supervisory convergence makes this control a future watch item", "strength": "indirect", "evidence": [ "Regulation (EU) 2024/1620 official text, https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng, accessed 2026-05-09" ] }, { "source": "fatf-recommendations-october-2025", "target": "information-accompanying-transfer-originator", "type": "requires", "label": "FATF standards inform this payment-transparency or virtual-asset control", "strength": "indirect", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "fatf-recommendations-october-2025", "target": "sanctions-screening-tfr-relevant", "type": "requires", "label": "FATF standards inform this payment-transparency or virtual-asset control", "strength": "indirect", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "fatf-recommendations-october-2025", "target": "transaction-monitoring-tfr-coupling", "type": "requires", "label": "FATF standards inform this payment-transparency or virtual-asset control", "strength": "indirect", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "fatf-recommendations-october-2025", "target": "self-hosted-ownership-control-assessment", "type": "requires", "label": "FATF standards inform this payment-transparency or virtual-asset control", "strength": "indirect", "evidence": [ "FATF Recommendations last updated October 2025, https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1113-tfr", "target": "eba-travel-rule-guidelines", "type": "compliant-with", "label": "EBA/GL/2024/11 operationalises Regulation (EU) 2023/1113 without modelling it as a Lamfalussy RTS delegation", "strength": "full", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09", "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "regulation-eu-2023-1114-mica", "target": "esma-transfer-services-guidelines", "type": "delegates-to", "label": "MiCA Article 82(2) mandates ESMA, in close cooperation with EBA, to issue transfer-services guidelines", "strength": "full", "evidence": [ "ESMA transfer-services guidelines PDF, https://www.esma.europa.eu/sites/default/files/2025-02/ESMA35-1872330276-2032_Guidelines_on_transfer_services_for_crypto-assets_under_MiCA.pdf, accessed 2026-05-09", "Regulation (EU) 2023/1114 Article 82, https://eur-lex.europa.eu/eli/reg/2023/1114/oj/eng, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "european-banking-authority", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-final-report", "target": "european-banking-authority", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "esma-transfer-services-guidelines", "target": "european-securities-and-markets-authority", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ] }, { "source": "esma-casp-authorisation-supervisory-briefing", "target": "european-securities-and-markets-authority", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.esma.europa.eu/sites/default/files/2025-01/ESMA75-453128700-1263_Supervisory_Briefing_on_Authorisation_of_CASPs.pdf, accessed 2026-05-09" ] }, { "source": "fatf-stablecoins-unhosted-wallets-targeted-report", "target": "financial-action-task-force", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html, accessed 2026-05-09" ] }, { "source": "fatf-best-practices-travel-rule-supervision", "target": "financial-action-task-force", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf, accessed 2026-05-09" ] }, { "source": "amf-doc-2024-08", "target": "autorite-des-marches-financiers", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09" ] }, { "source": "amf-travel-rule-guidelines-announcement", "target": "autorite-des-marches-financiers", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.amf-france.org/en/news-publications/news/combating-money-laundering-and-terrorist-financing-amf-applies-guidelines-issued-european-banking, accessed 2026-05-09" ] }, { "source": "cysec-circular-c675", "target": "cyprus-securities-and-exchange-commission", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ] }, { "source": "dnb-esa-guidelines-compliance-overview", "target": "de-nederlandsche-bank", "type": "issued-by", "label": "Guidance or report issued by the authority", "strength": "full", "evidence": [ "Primary source for standard or guidance, https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "regulation-eu-2023-1113-tfr", "type": "implements", "label": "EBA Travel Rule material implements Regulation (EU) 2023/1113 operational expectations", "strength": "full", "evidence": [ "EBA Travel Rule Guidelines source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-final-report", "target": "regulation-eu-2023-1113-tfr", "type": "implements", "label": "EBA Travel Rule material implements Regulation (EU) 2023/1113 operational expectations", "strength": "full", "evidence": [ "EBA Travel Rule Guidelines source, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "esma-transfer-services-guidelines", "target": "regulation-eu-2023-1114-mica", "type": "implements", "label": "ESMA transfer-services guidelines implement MiCA Article 82 supervisory convergence", "strength": "full", "evidence": [ "ESMA transfer-services guidelines PDF, https://www.esma.europa.eu/sites/default/files/2025-02/ESMA35-1872330276-2032_Guidelines_on_transfer_services_for_crypto-assets_under_MiCA.pdf, accessed 2026-05-09" ] }, { "source": "esma-casp-authorisation-supervisory-briefing", "target": "regulation-eu-2023-1114-mica", "type": "compliant-with", "label": "ESMA CASP authorisation briefing supports MiCA authorisation convergence", "strength": "partial", "evidence": [ "ESMA CASP authorisation supervisory briefing PDF, https://www.esma.europa.eu/sites/default/files/2025-01/ESMA75-453128700-1263_Supervisory_Briefing_on_Authorisation_of_CASPs.pdf, accessed 2026-05-09" ] }, { "source": "fatf-stablecoins-unhosted-wallets-targeted-report", "target": "fatf-recommendations-october-2025", "type": "compliant-with", "label": "FATF targeted report is framed under FATF virtual-asset and payment-transparency standards", "strength": "partial", "evidence": [ "FATF targeted report page, https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html, accessed 2026-05-09" ] }, { "source": "fatf-best-practices-travel-rule-supervision", "target": "fatf-recommendations-october-2025", "type": "implements", "label": "FATF best practices support Travel Rule supervision under the FATF Recommendations", "strength": "partial", "evidence": [ "FATF Best Practices on Travel Rule Supervision PDF, https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf, accessed 2026-05-09" ] }, { "source": "amf-doc-2024-08", "target": "eba-travel-rule-guidelines", "type": "compliant-with", "label": "AMF DOC-2024-08 incorporates EBA Travel Rule Guidelines", "strength": "full", "evidence": [ "AMF DOC-2024-08, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09" ] }, { "source": "amf-travel-rule-guidelines-announcement", "target": "eba-travel-rule-guidelines", "type": "compliant-with", "label": "AMF announcement confirms application of the EBA Guidelines", "strength": "full", "evidence": [ "AMF announcement applying the EBA Guidelines, https://www.amf-france.org/en/news-publications/news/combating-money-laundering-and-terrorist-financing-amf-applies-guidelines-issued-european-banking, accessed 2026-05-09" ] }, { "source": "cysec-circular-c675", "target": "eba-travel-rule-guidelines", "type": "compliant-with", "label": "CySEC Circular C675 references the EBA Travel Rule Guidelines", "strength": "full", "evidence": [ "CySEC Circular C675 PDF, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ] }, { "source": "dnb-esa-guidelines-compliance-overview", "target": "eba-travel-rule-guidelines", "type": "compliant-with", "label": "DNB overview is used only as an ESA-guidelines compliance document", "strength": "partial", "evidence": [ "DNB compliance overview PDF, https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "beneficiary-side-missing-info-detection", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "beneficiary-side-handling-procedures", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "self-hosted-ownership-control-assessment", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "protocol-agnostic-transport", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "exception-and-evidence-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "repeated-failure-reporting", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-guidelines", "target": "management-information-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-final-report", "target": "counterparty-resolution-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-final-report", "target": "exception-and-evidence-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-final-report", "target": "case-management", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "eba-travel-rule-final-report", "target": "evidence-reconstruction-pre-transfer-decision", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "esma-transfer-services-guidelines", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ] }, { "source": "esma-transfer-services-guidelines", "target": "route-policy-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ] }, { "source": "esma-transfer-services-guidelines", "target": "evidence-reconstruction-pre-transfer-decision", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.esma.europa.eu/document/guidelines-transfer-services-crypto-assets-under-mica, accessed 2026-05-09" ] }, { "source": "esma-casp-authorisation-supervisory-briefing", "target": "management-information-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.esma.europa.eu/sites/default/files/2025-01/ESMA75-453128700-1263_Supervisory_Briefing_on_Authorisation_of_CASPs.pdf, accessed 2026-05-09" ] }, { "source": "esma-casp-authorisation-supervisory-briefing", "target": "evidence-reconstruction-pre-transfer-decision", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.esma.europa.eu/sites/default/files/2025-01/ESMA75-453128700-1263_Supervisory_Briefing_on_Authorisation_of_CASPs.pdf, accessed 2026-05-09" ] }, { "source": "fatf-stablecoins-unhosted-wallets-targeted-report", "target": "self-hosted-ownership-control-assessment", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html, accessed 2026-05-09" ] }, { "source": "fatf-stablecoins-unhosted-wallets-targeted-report", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.fatf-gafi.org/en/publications/Virtualassets/targeted-report-stablecoins-unhosted-wallets.html, accessed 2026-05-09" ] }, { "source": "fatf-best-practices-travel-rule-supervision", "target": "management-information-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf, accessed 2026-05-09" ] }, { "source": "fatf-best-practices-travel-rule-supervision", "target": "repeated-failure-reporting", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf, accessed 2026-05-09" ] }, { "source": "fatf-best-practices-travel-rule-supervision", "target": "case-management", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.fatf-gafi.org/content/dam/fatf-gafi/recommendations/Best-Practices-Travel-Rule-Supervision.pdf, accessed 2026-05-09" ] }, { "source": "amf-doc-2024-08", "target": "beneficiary-side-missing-info-detection", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09" ] }, { "source": "amf-doc-2024-08", "target": "beneficiary-side-handling-procedures", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09" ] }, { "source": "amf-doc-2024-08", "target": "exception-and-evidence-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.amf-france.org/en/regulation/policy/doc-2024-08, accessed 2026-05-09" ] }, { "source": "amf-travel-rule-guidelines-announcement", "target": "management-information-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.amf-france.org/en/news-publications/news/combating-money-laundering-and-terrorist-financing-amf-applies-guidelines-issued-european-banking, accessed 2026-05-09" ] }, { "source": "cysec-circular-c675", "target": "repeated-failure-reporting", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ] }, { "source": "cysec-circular-c675", "target": "management-information-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.cysec.gov.cy/CMSPages/GetFile.aspx?guid=476aed7e-384a-42d0-b436-7772aaa5571c, accessed 2026-05-09" ] }, { "source": "dnb-esa-guidelines-compliance-overview", "target": "management-information-layer", "type": "supports", "label": "Guidance supports this implementation control", "strength": "partial", "evidence": [ "Primary guidance source, https://www.dnb.nl/media/034jaxpl/compliance-guidelines-and-recommendations-of-the-european-supervisory-authorities.pdf, accessed 2026-05-09" ] }, { "source": "xziel", "target": "finray-technologies", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "trm-transaction-monitoring-wallet-screening", "target": "trm-labs", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring, accessed 2026-05-09" ] }, { "source": "chainalysis-kyt", "target": "chainalysis", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ] }, { "source": "elliptic-lens", "target": "elliptic", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "notabene", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "sumsub-travel-rule", "target": "sumsub", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "entrust-onfido-identity-verification", "target": "onfido", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://www.entrust.com/products/identity-verification, accessed 2026-05-09" ] }, { "source": "complyadvantage-screening-platform", "target": "complyadvantage", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/, accessed 2026-05-09" ] }, { "source": "sardine-agentic-financial-crime-platform", "target": "sardine", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://www.sardine.ai/, accessed 2026-05-09" ] }, { "source": "complycube-kyc-aml-platform", "target": "complycube", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://docs.complycube.com/documentation/product-guides, accessed 2026-05-09" ] }, { "source": "travel-rule-protocol-trp", "target": "openvasp-association", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://www.openvasp.org/trp, accessed 2026-05-09" ] }, { "source": "ivms-101-data-model", "target": "intervasp-standards-working-group", "type": "produced-by", "label": "Product or standard artefact is produced by this vendor or standards body", "strength": "full", "evidence": [ "Product primary source, https://gitlab.com/intervasp/interVASP-Messaging-Standard, accessed 2026-05-09" ] }, { "source": "xziel", "target": "counterparty-resolution-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "route-policy-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "exception-and-evidence-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "sanctions-screening-tfr-relevant", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "management-information-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "xziel", "target": "evidence-reconstruction-pre-transfer-decision", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "trm-transaction-monitoring-wallet-screening", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring, accessed 2026-05-09" ] }, { "source": "trm-transaction-monitoring-wallet-screening", "target": "sanctions-screening-tfr-relevant", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring, accessed 2026-05-09" ] }, { "source": "trm-transaction-monitoring-wallet-screening", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring, accessed 2026-05-09" ] }, { "source": "trm-transaction-monitoring-wallet-screening", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.trmlabs.com/blockchain-intelligence-platform/transaction-monitoring, accessed 2026-05-09" ] }, { "source": "chainalysis-kyt", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ] }, { "source": "chainalysis-kyt", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ] }, { "source": "chainalysis-kyt", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ] }, { "source": "elliptic-lens", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ] }, { "source": "elliptic-lens", "target": "counterparty-resolution-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ] }, { "source": "elliptic-lens", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "counterparty-resolution-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "protocol-agnostic-transport", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "information-accompanying-transfer-originator", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "beneficiary-side-missing-info-detection", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "exception-and-evidence-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "sumsub-travel-rule", "target": "information-accompanying-transfer-originator", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "sumsub-travel-rule", "target": "beneficiary-side-missing-info-detection", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "sumsub-travel-rule", "target": "counterparty-resolution-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "sumsub-travel-rule", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "sumsub-travel-rule", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "entrust-onfido-identity-verification", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.entrust.com/products/identity-verification, accessed 2026-05-09" ] }, { "source": "complyadvantage-screening-platform", "target": "sanctions-screening-tfr-relevant", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/, accessed 2026-05-09" ] }, { "source": "complyadvantage-screening-platform", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/, accessed 2026-05-09" ] }, { "source": "sardine-agentic-financial-crime-platform", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.sardine.ai/, accessed 2026-05-09" ] }, { "source": "sardine-agentic-financial-crime-platform", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.sardine.ai/, accessed 2026-05-09" ] }, { "source": "sardine-agentic-financial-crime-platform", "target": "management-information-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://www.sardine.ai/, accessed 2026-05-09" ] }, { "source": "complycube-kyc-aml-platform", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://docs.complycube.com/documentation/product-guides, accessed 2026-05-09" ] }, { "source": "complycube-kyc-aml-platform", "target": "sanctions-screening-tfr-relevant", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://docs.complycube.com/documentation/product-guides, accessed 2026-05-09" ] }, { "source": "complycube-kyc-aml-platform", "target": "case-management", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "partial", "evidence": [ "Product primary source, https://docs.complycube.com/documentation/product-guides, accessed 2026-05-09" ] }, { "source": "travel-rule-protocol-trp", "target": "protocol-agnostic-transport", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://www.openvasp.org/trp, accessed 2026-05-09" ] }, { "source": "travel-rule-protocol-trp", "target": "information-accompanying-transfer-originator", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://www.openvasp.org/trp, accessed 2026-05-09" ] }, { "source": "ivms-101-data-model", "target": "information-accompanying-transfer-originator", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://gitlab.com/intervasp/interVASP-Messaging-Standard, accessed 2026-05-09" ] }, { "source": "ivms-101-data-model", "target": "beneficiary-side-missing-info-detection", "type": "supports", "label": "Product supports this Travel Rule architecture control", "strength": "full", "evidence": [ "Product primary source, https://gitlab.com/intervasp/interVASP-Messaging-Standard, accessed 2026-05-09" ] }, { "source": "finray-technologies", "target": "exception-and-evidence-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "finray-technologies", "target": "case-management", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "finray-technologies", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://finray.tech/company/, accessed 2026-05-09" ] }, { "source": "trm-labs", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.trmlabs.com/resources/blog/trm-labs-and-finray-technologies-partner-to-deliver-audit-ready-crypto-transaction-monitoring-to-banking-and-payments-workflows, accessed 2026-05-09" ] }, { "source": "trm-labs", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.trmlabs.com/resources/blog/trm-labs-and-finray-technologies-partner-to-deliver-audit-ready-crypto-transaction-monitoring-to-banking-and-payments-workflows, accessed 2026-05-09" ] }, { "source": "chainalysis", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.chainalysis.com/product/kyt/, accessed 2026-05-09" ] }, { "source": "elliptic", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.elliptic.co/platform/lens, accessed 2026-05-09" ] }, { "source": "notabene", "target": "counterparty-resolution-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "notabene", "target": "protocol-agnostic-transport", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "sumsub", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "sumsub", "target": "information-accompanying-transfer-originator", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://sumsub.com/travel-rule/, accessed 2026-05-09" ] }, { "source": "onfido", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.entrust.com/products/identity-verification, accessed 2026-05-09" ] }, { "source": "complyadvantage", "target": "sanctions-screening-tfr-relevant", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://complyadvantage.com/fincrime-risk-intelligence/sanctions-watchlists-screening/, accessed 2026-05-09" ] }, { "source": "sardine", "target": "transaction-monitoring-tfr-coupling", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.sardine.ai/, accessed 2026-05-09" ] }, { "source": "complycube", "target": "customer-and-wallet-control-layer", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.complycube.com/en/, accessed 2026-05-09" ] }, { "source": "complycube", "target": "sanctions-screening-tfr-relevant", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.complycube.com/en/, accessed 2026-05-09" ] }, { "source": "openvasp-association", "target": "protocol-agnostic-transport", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://www.openvasp.org/trp, accessed 2026-05-09" ] }, { "source": "intervasp-standards-working-group", "target": "information-accompanying-transfer-originator", "type": "supports", "label": "Vendor capability supports this control layer", "strength": "partial", "evidence": [ "Vendor primary source, https://vaspnet.com/articles/intervasp-standards-working-group-updates-global-language-vasps-use-to-communicate-mandated-travel-rule-data, accessed 2026-05-09" ] }, { "source": "counterparty-resolution-layer", "target": "route-policy-layer", "type": "prerequisite-for", "label": "Counterparty resolution must happen before route policy can decide evidence and transport path", "strength": "full", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "customer-and-wallet-control-layer", "target": "self-hosted-ownership-control-assessment", "type": "prerequisite-for", "label": "Customer-wallet evidence is prerequisite for self-hosted address ownership-or-control assessment", "strength": "full", "evidence": [ "Regulation (EU) 2023/1113 official text, https://eur-lex.europa.eu/eli/reg/2023/1113/oj/eng, accessed 2026-05-09" ] }, { "source": "protocol-agnostic-transport", "target": "exception-and-evidence-layer", "type": "complementary-to", "label": "Transport evidence must be joined to exception evidence, not treated as sufficient on its own", "strength": "partial", "evidence": [ "EBA Travel Rule Guidelines page, https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers, accessed 2026-05-09" ] }, { "source": "exception-and-evidence-layer", "target": "evidence-reconstruction-pre-transfer-decision", "type": "prerequisite-for", "label": "Exception records are prerequisite for reconstructing a pre-transfer decision", "strength": "full", "evidence": [ "EBA Final Report Travel Rule Guidelines PDF, https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf, accessed 2026-05-09" ] }, { "source": "ivms-101-data-model", "target": "travel-rule-protocol-trp", "type": "complementary-to", "label": "IVMS-101 data payload is complementary to TRP transport without becoming TRP governance", "strength": "partial", "evidence": [ "InterVASP Messaging Standard repository, https://gitlab.com/intervasp/interVASP-Messaging-Standard, accessed 2026-05-09", "OpenVASP Travel Rule Protocol page, https://www.openvasp.org/trp, accessed 2026-05-09" ] }, { "source": "notabene-safetransact-network", "target": "ivms-101-data-model", "type": "supports", "label": "Notabene-supported messaging can exchange Travel Rule information using common data fields where supported", "strength": "partial", "evidence": [ "Notabene SafeTransact page, https://notabene.id/solutions/safe-transact, accessed 2026-05-09" ] }, { "source": "travel-rule-protocol-trp", "target": "ivms-101-data-model", "type": "supports", "label": "TRP transport may carry Travel Rule data payloads such as IVMS-101 where implemented", "strength": "partial", "evidence": [ "OpenVASP TRP specification repository, https://gitlab.com/OpenVASP/travel-rule-protocol/-/blob/master/core/specification.md?ref_type=heads, accessed 2026-05-09" ] } ], "legend": { "firm-segment": { "color": "#1F77B4", "shape": "round-rectangle", "note": "Firm segment" }, "regulator": { "color": "#6F42C1", "shape": "ellipse", "note": "Regulator / authority" }, "regulation": { "color": "#D62728", "shape": "rectangle", "note": "Regulation / legal instrument" }, "standard": { "color": "#FF7F0E", "shape": "diamond", "note": "Guideline / standard" }, "control": { "color": "#2CA02C", "shape": "hexagon", "note": "Control layer" }, "vendor": { "color": "#17A2B8", "shape": "octagon", "note": "Vendor / standards body" }, "product": { "color": "#8C564B", "shape": "triangle", "note": "Product / protocol artefact" } } }