2.5 Compliance Overview

Status: Draft
Owner: Simon
Managed by: Maya
Last Edited: 2026-02-14

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Product-level compliance requirements for COOWN crypto and fiat services.

Purpose: Bridges product features with compliance obligations.

Key coverage: Client identification thresholds, enhanced due diligence triggers, ongoing monitoring requirements, record retention.

Risk areas: Regulatory non-compliance, onboarding false negatives, sanctions violations, fraud via identity theft.

Business process relevance: PolyReg membership, customer onboarding workflows, transaction authorization, incident response.

Review triggers: PolyReg rulebook updates, FINMA guidance, service expansion, security incidents.