> For the complete documentation index, see [llms.txt](https://maxtronize.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://maxtronize.gitbook.io/docs/compliance-and-kyc-flow.md).
# Compliance and KYC Flow
KYC is performed once via Sumsub regardless of which chain the user intends to use. The backend then pushes the approved KYC status to the appropriate chain's whitelist based on which properties the user interacts with.
Diagram 7: Compliance and KYC Flow
### KYC Process
| Step | Actor | Action / Description |
| ---- | ----------- | ---------------------------------------------------------------------------------- |
| 01 | User | Submits identity documents via Sumsub on the platform |
| 02 | Sumsub | Performs liveness check, document OCR, face match |
| 03 | Sumsub | AML screening against global watchlists (PEP, sanctions, adverse media) |
| 04 | System | Jurisdiction detected from user profile and document country of issue |
| 05 | India | RBI and SEBI compliance - Aadhaar/PAN, FEMA rules for foreign investors |
| 06 | UAE | DFSA and VARA compliance - Emirates ID, CBUAE AML, VARA token regulations |
| 07 | USA | SEC accredited investor check - income or net worth threshold verification |
| 08 | KYC Service | On approval: pushes whitelist entry to Canton EVM KYC Registry |
| 09 | KYC Service | On approval: pushes whitelist entry to Cardano KYC Whitelist |
| 10 | User | Can now transact on Canton EVM, Cardano, or both - based on their property choices |
### Jurisdiction Requirements
| Requirement | India | UAE | USA |
| ------------------------------ | -------------- | -------------- | ----------------------- |
| Regulator | RBI / SEBI | DFSA / VARA | SEC / FinCEN |
| ID Required | Aadhaar + PAN | Emirates ID | SSN / Passport |
| Investor Type | Retail allowed | Retail allowed | Accredited only (Reg D) |
| AML Screening | Required | Required | Required |
| Tax Reporting | Form 26AS | No income tax | Form 1099 / K-1 |
| Token Classification (Canton) | Digital Asset | Virtual Asset | Security (per SEC) |
| Token Classification (Cardano) | Digital Asset | Virtual Asset | Security (per SEC) |
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