Crypto Exchange Gold Standard
Global Best Practice Framework for Crypto Exchanges
US GENIUS + CLARITY Acts (Legitimization)
+
EU MiCA (Comprehensive Framework)
+
FATF Standards (AML/CFT Baseline)
=
de Risk Crypto Compliance Standard
The Three Pillars
PILLAR 1: US Framework — Market Legitimacy
- GENIUS Act (Stablecoins) — Full reserve backing, monthly audits, transparency disclosures
- CLARITY Act (Market Structure) — Clear CFTC/SEC jurisdiction, registration requirements, market integrity rules
PILLAR 2: EU MiCA — Comprehensive Regulation
- Licensing & Authorization — CASP licensing with EU passporting rights
- Asset Classification — Clear rules for ARTs, EMTs, and utility tokens
- Consumer Protection — Whitepaper requirements, capital adequacy, segregated reserves
PILLAR 3: FATF Standards — AML/CFT Foundation
- Travel Rule (R.16) — Collect and transmit originator/beneficiary data for transfers ≥ $1,000/€1,000
- Risk Assessment (R.15) — Comprehensive VA/VASP money laundering risk assessments
- Supervision — Registration/licensing and ongoing AML/CFT compliance monitoring
Compliance Requirements
1. Regulatory Licensing
- CASP authorization (MiCA) or equivalent
- VASP registration (FATF jurisdictions)
- State/federal licenses (US)
2. AML/CFT Program
- Travel Rule compliance infrastructure
- KYC/CDD procedures
- Transaction monitoring & suspicious activity reporting
- Sanctions screening
3. Asset Protection
- 1:1 reserve backing (stablecoins)
- Segregated customer assets
- Monthly reserve audits
- Custody standards
4. Governance & Controls
- Board oversight & compliance officer
- Risk management framework
- Internal audit function
- Cybersecurity measures
5. Transparency & Disclosure
- Public whitepaper (token issuers)
- Terms of service disclosure
- Fee transparency
- Regular public reporting
6. Market Integrity
- Market abuse prevention
- Insider trading controls
- Conflicts of interest management
- Fair pricing & execution
Certification Process
- Gap Assessment — Evaluate current compliance against all three pillars
- Remediation Plan — Address deficiencies with timeline and resources
- Implementation — Deploy policies, procedures, and technology
- Independent Audit — Third-party verification of compliance
- Certification — Receive de Risk Crypto Compliance Standard certification
- Ongoing Monitoring — Annual recertification and continuous compliance
de+ Certified Badge
The de+ badge signifies global best-in-class crypto compliance across US, EU, and FATF standards.
Upon achieving certification, firms may display the ‘de+’ badge on:
- Website homepage and footer
- Marketing materials and pitch decks
- Legal documentation and contracts
- Client communications
- Regulatory submissions
Key Benefits
- Global Market Access — Compliant with major jurisdictions (US, EU, FATF members)
- Competitive Advantage — Differentiate through proven compliance excellence
- Reduced Regulatory Risk — Proactive alignment with evolving standards
- Institutional Trust — Attract banks, financial institutions, and sophisticated investors
- Operational Efficiency — Unified framework reduces compliance complexity
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