Capitalino operates at the intersection of traditional finance and digital assets, where regulatory clarity and compliance are not optional — they are foundational. We have built our infrastructure and operations to meet the requirements of multiple leading digital asset regulatory frameworks.
Regulatory Environment
Capitalino is headquartered in Dubai, United Arab Emirates — one of the world's most progressive and well-defined regulatory environments for digital assets. We operate within frameworks set by:
- VARA (Virtual Assets Regulatory Authority): Dubai's dedicated digital asset regulator, responsible for licensing and oversight of virtual asset service providers in the Emirate of Dubai
- CBUAE (Central Bank of the UAE): Governing payment services, stored value facilities, and certain financial intermediary activities
- ADGM (Abu Dhabi Global Market): FSRA-regulated framework for digital asset activities within the Abu Dhabi Global Market free zone
- DIFC (Dubai International Financial Centre): DFSA-regulated environment for digital token offerings and related services
AML & CFT Framework
Capitalino maintains a robust Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) program in full compliance with UAE Federal Decree-Law No. 20 of 2018 and FATF Recommendations as implemented by the UAE.
Know Your Customer (KYC)
All clients and counterparties are subject to thorough identity verification and risk assessment before onboarding. Our KYC procedures include:
- Identity verification for individuals and beneficial ownership verification for entities
- Sanctions screening against OFAC, UN, EU, and UAE local lists
- Politically Exposed Person (PEP) screening
- Adverse media and reputational risk assessment
- Risk-based enhanced due diligence for higher-risk relationships
Transaction Monitoring
All on-chain and off-chain transactions are monitored using automated blockchain analytics tools to detect suspicious activity, sanctions exposure, and high-risk transaction patterns. Suspicious activity is reported to the UAE Financial Intelligence Unit (UAEFIU) as required by law.
Travel Rule Compliance
Capitalino complies with the FATF Travel Rule as implemented under UAE regulations, requiring the collection and transmission of originator and beneficiary information for virtual asset transfers above applicable thresholds. We use industry-standard Travel Rule compliance solutions for counterparty data exchange with other regulated VASPs.
Data Protection
Our data handling practices comply with UAE Federal Decree-Law No. 45 of 2021 on Personal Data Protection (PDPL), as well as GDPR principles where applicable to EU data subjects. Client data is processed only for defined, lawful purposes and retained according to regulatory requirements — typically five years for AML/KYC records.
Token Issuance & RWA Compliance
Our tokenization infrastructure is designed for compliant issuance of on-chain representations of real-world assets. Each issuance is structured in accordance with applicable securities and commodity regulations in the relevant jurisdiction. We conduct regulatory analysis for every token issuance project to ensure the structure, disclosure requirements, and investor eligibility rules are properly followed.
White-Label Compliance Framework
For clients building on Capitalino's white-label infrastructure, we provide a compliance framework package that includes:
- AML/CFT policy templates and procedures tailored to the operating jurisdiction
- KYC workflow integration with leading identity verification providers
- Sanctions screening API integration
- Transaction monitoring rule sets and alert management workflows
- Regulatory reporting templates for applicable jurisdictions
- Ongoing regulatory advisory as frameworks evolve
Cross-Border Operations
Capitalino has mapped its compliance obligations across 40+ jurisdictions where our clients operate. We work with local legal counsel in each material jurisdiction to ensure our clients' operations remain compliant as they scale globally. This includes monitoring regulatory developments and updating our compliance frameworks accordingly.
Compliance Contact
For regulatory inquiries, due diligence requests, or compliance-related questions, please contact our compliance team at [email protected].
We are committed to full transparency with regulators and counterparties and are available to provide documentation supporting our compliance standing upon request.