Compliance & KYC System

ON-CHAIN (43 bytes)                    OFF-CHAIN (Committee DB)
------------------------               ---------------------------
level: u16 (2 bytes)          <-hash-> region: KycRegion
status: u8 (1 byte)                    country: [u8; 2] (ISO)
verified_at: u64 (8 bytes)             expires_at: u64
data_hash: Hash (32 bytes)             committee_id: Hash
                                       approver: PublicKey
                                       signature: Signature
                                       documents: Vec<DocRef>

// Basic Individual Verification (bit 0-4)
EMAIL       = 1 << 0   // 1     - Email verification
PHONE       = 1 << 1   // 2     - Phone verification
BASIC_INFO  = 1 << 2   // 4     - Basic info (name, DOB)
GOV_ID      = 1 << 3   // 8     - Government ID
LIVENESS    = 1 << 4   // 16    - Face/liveness check
 
// Enhanced Verification (bit 5-7)
ADDRESS     = 1 << 5   // 32    - Proof of address
SOF         = 1 << 6   // 64    - Source of funds
SOW         = 1 << 7   // 128   - Source of wealth
 
// Due Diligence (bit 8-10)
BACKGROUND  = 1 << 8   // 256   - Background check
SCREENING   = 1 << 9   // 512   - PEP/sanctions screening
UBO         = 1 << 10  // 1024  - Ultimate beneficial owner
 
// Institutional (bit 11-14)
COMPANY     = 1 << 11  // 2048  - Company registration
DIRECTORS   = 1 << 12  // 4096  - Directors/shareholders
AUDIT       = 1 << 13  // 8192  - Compliance audit
LICENSE     = 1 << 14  // 16384 - Financial license

                    Global Committee
                          |
        +-----------------+-----------------+
        |                 |                 |
   Asia Pacific       Europe           Americas
        |                 |                 |
   +----+----+      +----+----+      +----+----+
   |    |    |      |    |    |      |    |    |
  JP   SG   AU     UK   DE   FR     US   CA   BR

use tako_sdk::*;
 
#[no_mangle]
pub extern "C" fn deposit() {
    let user = get_tx_sender();
    let amount = get_call_value();
 
    // Require Identity Verified (Tier 2) for deposits > $1000
    if amount > 1000_00000000 {
        let meets_req = tos_meets_kyc_level(&user, 31)
            .expect("KYC check failed");
 
        if !meets_req {
            panic!("KYC Tier 2 required for large deposits");
        }
    }
 
    // Process deposit...
}

use tako_sdk::*;
 
fn get_user_limit(user: &Address) -> u64 {
    let tier = tos_get_kyc_tier(user).unwrap_or(0);
 
    match tier {
        0 => 100_00000000,        // $100
        1 => 1_000_00000000,      // $1,000
        2 => 10_000_00000000,     // $10,000
        3 => 50_000_00000000,     // $50,000
        4 => 200_000_00000000,    // $200,000
        5 => 1_000_000_00000000,  // $1,000,000
        _ => u64::MAX,            // Unlimited
    }
}
 
fn check_transfer_limit(user: &Address, amount: u64) -> bool {
    let limit = get_user_limit(user);
    amount <= limit
}

// Check user's KYC tier
const response = await fetch('/get_kyc_tier', {
    method: 'POST',
    body: JSON.stringify({ address: userAddress })
});
const { tier } = await response.json();
 
// Check if user meets requirement
const meetsReq = await fetch('/meets_kyc_level', {
    method: 'POST',
    body: JSON.stringify({
        address: userAddress,
        required_level: 31  // Tier 2: Identity Verified
    })
}).then(r => r.json());

/// On-chain KYC data (43 bytes)
pub struct KycData {
    /// KYC level bitmask (u16)
    pub level: u16,
 
    /// Status: Active, Expired, Revoked, Suspended
    pub status: KycStatus,
 
    /// Verification timestamp
    pub verified_at: u64,
 
    /// Hash of off-chain data
    pub data_hash: Hash,
}
 
/// KYC status
pub enum KycStatus {
    Active = 0,
    Expired = 1,
    Revoked = 2,
    Suspended = 3,
}