# Compliance

This Compliance Manifest is designed to be the primary document for legal and technical audits. It bridges the gap between our technology stack (AdonisJS/Vue/Solana) and the global standards financial regulators expect in 2026.

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### 🏛️ KYCB Hub: Compliance Manifest (2026)

#### 1. Identity & Data Model (W3C Alignment)

* Standard: [W3C Verifiable Credentials Data Model v2.0](https://www.w3.org/TR/vc-data-model-2.0/)
* Implementation: All Hub-issued credentials use the JSON-LD format.
* Compliance Feature: Selective Disclosure. Using `SD-JWT` or `BBS+` signatures, our Vue wallet allows users to prove "High-Risk Country: No" or "Age: 18+" without revealing their actual country or birth date. This satisfies GDPR Data Minimization requirements.

#### 2. Technical & Governance Stack (Trust Over IP)

* Standard: [ToIP Dual-Stack Architecture](https://trustoverip.org/)
* Implementation:
  * Layer 1 (Utility): Solana Blockchain (for DID anchoring and SBT issuance).
  * Layer 2 (Communication): DIDComm v2 via Credo-TS for encrypted peer-to-peer messaging.
  * Layer 3 (Credentials): W3C Verifiable Credentials.
  * Layer 4 (Governance): Our Trusted Entity Registry (AdonisJS) acts as the Machine-Readable Governance Framework, filtering for authorized financial institutions.

#### 3. On-Chain Compliance (Solana Token-2022)

* Standard: [Solana Token Extensions (SPL-2022)](https://spl.solana.com/token-2022)
* Implementation: Soulbound Bank Identities.
* Compliance Feature: Permanent Delegation & Transfer Hooks.
  * We use the Non-transferable extension to ensure identity tokens cannot be traded.
  * The Hub acts as a Permanent Delegate, allowing for the "Administrative Revocation" of a bank's status in case of regulatory failure—meeting the 2026 SEC Tokenization Guidance for issuer control.

#### 4. User Security & Authentication (FIDO Alliance)

* Standard: [FIDO2 / WebAuthn / Passkeys](https://fidoalliance.org/)
* Implementation: Biometric signing via the Vue Frontend.
* Compliance Feature: Cryptographic Proof of Possession.
  * The user’s private key is stored in the Secure Enclave of their device, unlocked only by FaceID/TouchID.
  * This eliminates "Phishing" and "Social Engineering" as a vector for credential theft, surpassing the FFIEC requirements for multi-factor authentication.

#### 5. Open Source Integrity (Linux Foundation)

* Standard: [LF Decentralized Trust](https://www.lfdecentralizedtrust.org/)
* Implementation: [Credo-TS](https://github.com/openwallet-foundation/credo-ts) (formerly Aries Framework JS).
* Compliance Feature: Auditability. \* By using the Apache 2.0 licensed Credo framework, our cryptographic engine is open for inspection by any bank’s CISO, ensuring no "backdoors" exist in the credential exchange logic.

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### 📊 Summary: The "Trust Chain"

| **Regulator Concern** | **Hub Solution**            | **Foundation Standard** |
| --------------------- | --------------------------- | ----------------------- |
| KYC/CIP Accuracy      | Tamper-evident VCs          | W3C / OpenID Foundation |
| Privacy / GDPR        | ZKPs & Selective Disclosure | W3C VC 2.0              |
| Phishing / Fraud      | DID Signature Verification  | FIDO Alliance / ToIP    |
| Accountability        | Immutable Audit Logs        | LF Decentralized Trust  |
| Revocation            | Permanent Delegate Hooks    | Solana Token-2022       |

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