Crypto Travel Rule

WickiePay supports the FATF Travel Rule for virtual asset transfers, ensuring compliance with international regulatory requirements.

What is the Travel Rule?

The Financial Action Task Force (FATF) Travel Rule requires Virtual Asset Service Providers (VASPs) to share originator and beneficiary information for transfers above certain thresholds.

When Does It Apply?

Jurisdiction	Threshold	Requirement
EU (TFR)	EUR 0 (all transfers)	Full originator and beneficiary data
Switzerland (FINMA)	CHF 1,000	Originator and beneficiary data
USA (FinCEN)	USD 3,000	Originator and beneficiary data
Singapore (MAS)	SGD 1,500	Originator and beneficiary data

Providing Compliance Details

Include complianceDetails when creating a payment:

POST /api/v1/pay/summary
Content-Type: application/json

{
  "merchantId": "your-merchant-id",
  "type": "OUT",
  "amount": 5000.00,
  "currency": "EUR",
  "reference": "payout-2026-001",
  "complianceDetails": {
    "originator": {
      "name": "WickiePay Merchant Ltd.",
      "accountNumber": "merchant-account-123",
      "country": "CH"
    },
    "beneficiary": {
      "name": "John Doe",
      "accountNumber": "0xBENEFICIARY...ADDR",
      "country": "DE"
    }
  }
}

Compliance Details Fields

Originator (Sender)

Field	Required	Description
name	Yes	Full legal name or business name
accountNumber	Yes	Account or wallet address
country	Yes	ISO 3166-1 alpha-2 country code
dateOfBirth	Conditional	Required for individuals in some jurisdictions
address	Conditional	Physical address (required for EU TFR)

Beneficiary (Receiver)

Field	Required	Description
name	Yes	Full legal name or business name
accountNumber	Yes	Wallet address
country	Conditional	ISO 3166-1 alpha-2 country code

Travel Rule Protocols

WickiePay supports industry-standard Travel Rule messaging protocols for VASP-to-VASP information exchange.

Next Steps

• Transaction Screening — AML/OFAC screening
• KYC / KYB — Customer verification