01
Onboarding & Issuance
User completes KYC with a regulated issuer. Terminal 3 encrypts and stores the data in the T3 Network and the Regulatory Vault, then issues a Smart VC to the user's wallet before recording the result to an immutable ledger.
Solutions/Stablecoin compliance
Identity infrastructure for regulated stablecoins
Stablecoin issuers satisfy KYC/AML obligations without storing private data. Issue Smart Verifiable Credentials at wallet creation, fulfill Travel Rule requirements, and enable compliant transfers across protocols and jurisdictions.
The problem
Stablecoins operate across borders and protocols — but compliance wasn't designed for that
Regulated stablecoin issuers must verify the identity of every wallet at onboarding, satisfy Travel Rule obligations on every transfer, and prove compliance to regulators across multiple jurisdictions. Today, that means running separate KYC checks at every integration point, building bespoke data pipelines, and accumulating PII liability with every new protocol partner.
The result is fragmented compliance coverage, redundant data collection, and no portable proof of identity that one institution's check can satisfy another. Every stablecoin issuer starts from scratch because there is no infrastructure layer that bridges KYC and the chain.
The solution
KYC credentials that work at the protocol layer, not just the application layer
KYC anchored to wallets at creation
Issue a Smart Verifiable Credential at wallet onboarding from any regulated KYC provider. Identity travels with the wallet across every protocol and chain — no re-verification at each touchpoint, no duplicate onboarding flows.
Travel Rule compliance without raw PII transfer
Satisfy FATF, FinCEN, and MiCA Travel Rule requirements by proving counterparty KYC status with a cryptographic proof. Originator and beneficiary institutions confirm compliance without exchanging personal data or creating new custody liabilities.
Ecosystem-wide on-chain whitelists
Verified wallet addresses are written to cross-protocol on-chain whitelists managed by the T3 Network. Smart contracts and applications reference these whitelists for trustless, permissionless KYC checks — no off-chain oracle required.
Instant revocation across the ecosystem
When a wallet is flagged, sanctioned, or a SAR is filed, the issuing institution revokes the credential immediately. Any subsequent presentation of that credential across any protocol fails — removing bad actors from the entire ecosystem in real time.
Features
The tools that power compliant stablecoin infrastructure
Identity, verification, and on-chain compliance for regulated digital assets.
Wallet KYC issuance
Issue verifiable credentials at wallet creation
T3 Identity converts KYC verification into a W3C Verifiable Credential signed by the issuing institution. The credential encodes identity claims rather than raw data and is held by the wallet owner. T3 stores no PII — GDPR and data residency obligations resolve at the architecture layer.
Built on open standards
Infrastructure-grade security and regulatory interoperability
W3C Verifiable Credentials
Credentials are issued in the W3C VC data model and OpenID for VCs standard. Any institution or protocol accepting these standards can verify wallet KYC without custom integration or bilateral data-sharing agreements.
GDPR compliant by architecture
All PII is stored encrypted in the T3 Network Regulatory Vault. Credentials encode claims, not data. Right-to-erasure, data subject access requests, and data residency requirements are satisfied without building bespoke compliance tooling.
Quantum-resistant signing
Credentials are signed using FIPS 204 post-quantum cryptography. Verification proofs remain valid against future cryptographic threats, ensuring stablecoin compliance infrastructure remains secure for the long term.
For developers
Integrate wallet KYC and Travel Rule verification into your stablecoin stack
T3 integrates with on-chain whitelist registries and off-chain KYC providers. Wallet credentialing, Travel Rule compliance, and revocation in a single API — no raw KYC data on-chain.
How it works
T3 Verify for regulated use cases
Designed for regulated financial use cases. Each credential is issued once and verifiable without data transfer, while authorized personnel retain the ability to audit and retrieve all necessary data.
RegulatoryData Vault
RegistriesOn-Chain
KYC Process
Regulated
Institution
Institution
Verifier
Regulator
02
Cross-Platform Verification
When a credential is accepted, T3 Network can dynamically provide retrieval process to the verifier's authorized personnel, satisfying data custody requirements without transferring raw PII. Applications see proof of compliance, never the underlying data.
03
Regulatory Retrieval
When KYC data is required, authorized personnel can retrieve data via a permissioned portal. SAR and STR compliant data is released by T3 Network while the retrieval request is cryptographically recorded.
Security & compliance
Built for stablecoin issuers operating across regulated jurisdictions
We take security seriously and have implemented robust measures to protect your data.
T3 credentials carry the metadata required by the FATF Travel Rule: originator identity, beneficiary identity, institution identifiers, and a cryptographic proof of KYC status. The credential can be presented to counterparty institutions to fulfill disclosure obligations without transmitting raw PII. In jurisdictions that have codified the Travel Rule — including the EU (MiCA), UK (FCA), Singapore (MAS), and the US (FinCEN) — T3's cryptographic verification approach aligns with the regulatory intent to prove identity without creating unnecessary data custody.
T3 Verify is protocol-agnostic. On-chain whitelists are deployed on major EVM networks and Solana. The credential verification API works with any protocol that can make an HTTP request or integrate a lightweight SDK. Issuance is compatible with any KYC provider that produces W3C Verifiable Credentials or can integrate via REST.
Revocation is immediate. When a wallet is flagged — due to a SAR filing, sanctions match, expired KYC, or relationship termination — the issuing institution revokes the credential. On-chain whitelists are updated in the same block. Any subsequent verification of that wallet fails across every protocol, exchange, and smart contract that checks T3 credentials.
Yes. T3 integrates via standard APIs and is compatible with major KYC providers including Jumio, Onfido, Sumsub, and others. Your existing onboarding flow is unchanged — T3 wraps the output of your KYC check into a verifiable credential at the end of the process. No rip-and-replace required.
Ready to build
Compliant stablecoin infrastructure without the data risks
Talk to our team about wallet KYC, Travel Rule compliance, and on-chain identity for your stablecoin or digital asset protocol.