Designing KYC/AML workflows for real-world assets
How to map investor types, suitability rules, approvals, and audit trails into a repeatable process.
Onboarding is where most tokenization programs earn (or lose) trust. A good workflow is clear, auditable, and aligned with jurisdiction scope.
Start with investor types and suitability
Define which investors you accept and why. Suitability rules influence the onboarding journey and approval steps.
Build decision points and documentation requirements upfront.
Make approvals and permissions explicit
Many workflows fail due to unclear approvals: who approves, what triggers re-checks, what happens on exceptions.
Explicit permissions reduce operational risk.
- Approval checkpoints
- Exception handling
- Ongoing monitoring triggers
Audit trails and reporting are part of onboarding
You’ll be asked for evidence: what checks ran, when, and with what result.
Design exports and audit trails early — it saves weeks later.
Good onboarding isn’t just KYC. It’s suitability + approvals + auditability.