Skill 09 compliance aml

Skill vaquarkhan/web3-agent-skills/skills/skill-09-compliance-aml

Production-grade Agent Skills for Web3 AI agents: 15 workflows, 6 MCP servers, DeFi/NFT/compliance guardrails, and VS Code/JetBrains installers.

Install

npx -y skills add vaquarkhan/web3-agent-skills --skill skill-09-compliance-aml

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

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Handles crypto compliance including sanctions screening, Travel Rule, MiCA requirements, tax reporting, and SEC Howey test analysis. Use for regulated workflows, KYC/AML checks, or jurisdictional compliance questions.

SKILL.md

2.8 KB, as published. Nobody here has run it

Compliance & AML

When to Use

Screening wallet addresses against sanctions lists
Implementing Travel Rule for VASP transfers
Assessing MiCA token classification (ART, EMT, other crypto-assets)
Tax reporting (IRS 1099-DA, cost basis)
Evaluating whether a token passes the Howey test

Prerequisites

MCP: compliance-screening-server (required for all outbound transfers)
Knowledge base: knowledge-base/regulations/

Jurisdiction Coverage

Jurisdiction	Regulations
EU	MiCA, Travel Rule (TFR), DORA, AMLD6
US	SEC Howey, FinCEN BSA, IRS 1099-DA
UK	FCA crypto registration, financial promotions
Singapore	MAS Payment Services Act
Japan	FSA exchange registration, stablecoin rules
UAE	VARA (Dubai), ADGM
Global	FATF Travel Rule, risk-based approach

Workflow

1. Sanctions Screening

Required before every transfer to an external address:

Call compliance-screening-server → screen_address
Check OFAC SDN, EU consolidated list, UN sanctions
BLOCK if match score > threshold
Log screening result with timestamp and case ID

2. Travel Rule (FATF R.16)

For VASP-to-VASP transfers > jurisdiction threshold:

Identify beneficiary VASP
Exchange originator info (name, account, address) via TRP (Travel Rule Protocol)
Verify beneficiary before releasing funds
Retain records ≥ 5 years

3. MiCA Classification

Category	Criteria	Requirements
EMT	Single fiat-pegged stablecoin	Reserve backing, redemption
ART	Multi-asset or algo stable	Stricter reserve rules
Other crypto-asset	Default	Whitepaper, CASP authorization
Utility token	Access to good/service	Exempt if no investment expectation

4. Howey Test (US)

Four prongs — investment contract if ALL met:

Investment of money
Common enterprise
Expectation of profits
Derived from efforts of others

Document analysis for any token launch or marketing in US.

5. Tax Reporting

Track cost basis (FIFO default; specific ID if elected)
Report disposals on Form 8949 / 1099-DA (2025+)
Flag staking rewards as income at FMV on receipt

Hard Rules

Never bypass sanctions screening
Escalate PEP (Politically Exposed Person) matches
Require enhanced due diligence for transactions > $3,000 (FinCEN)

References

knowledge-base/regulations/mica/
knowledge-base/regulations/travel-rule/
knowledge-base/regulations/fatf/
knowledge-base/regulations/sec-howey/