Travel Rule Compliant Transfer Tool

WHAT IT DOES

Travel Rule Compliant Transfer Tool enables users to execute token transfers that meet Financial Action Task Force (FATF) Travel Rule requirements. The tool reads your connected wallet address, sender KYC/AML status, recipient address, recipient KYC/AML status, transfer amount, token address, token decimals, current block timestamp, compliance oracle data, jurisdiction requirements, and transfer limits. It checks both sender and recipient KYC/AML verification status against the compliance contract, verifies that the transfer amount does not exceed jurisdiction-specific limits, and confirms that the transfer is permitted under the applicable regulatory framework. Once all checks pass, it executes the transfer with attached compliance metadata, creating an auditable record of the transaction.

HOW TO USE

Connect your wallet and select your network. Enter the Travel Rule compliance contract address, the token address, the recipient address, the transfer amount, and the jurisdiction (e.g., US, EU, UK). Click "Check compliance eligibility" to verify that both you and the recipient have valid KYC/AML status and that the transfer is permitted. The tool will display the KYC/AML status for both parties, any applicable transfer limits, and whether the transfer is Travel Rule compliant. If compliant, click "Execute compliant transfer" to approve token spend and execute the transfer with compliance metadata attached. The transaction is signed by your wallet and recorded on-chain.

THE REAL MECHANISM — ON-CHAIN COMPLIANCE VERIFICATION WITH KYC/AML ORACLES

Unlike standard token transfers that only check balances and allowances, this tool implements a compliance-aware transfer pattern using a dedicated compliance contract. The tool first calls getKYCStatus to retrieve the sender's and recipient's verification status from the compliance oracle. Each status includes a boolean verified flag, a level (e.g., Basic, Enhanced), and an expiry timestamp. It then calls canTransfer, which performs jurisdiction-specific checks: verifying that both parties are verified, that the amount is below the jurisdiction's transfer limit (if any), and that the jurisdiction is supported by the protocol. The compliance contract may also check against sanctions lists via an oracle. If all checks pass, the tool approves the compliance contract to spend the tokens, then calls executeCompliantTransfer. This function transfers the tokens and emits an event containing the compliance metadata—including the jurisdiction, the parties' verification status, and a timestamp—creating an auditable record. All arithmetic uses ethers.js BigNumber with the token's decimal precision, and gas costs are reported using receipt.effectiveGasPrice.

WHAT IT CANNOT SEE

Cannot verify off-chain KYC/AML data accuracy—the tool relies on the compliance oracle's data and cannot audit how KYC information was collected or verified. It cannot ensure compliance with all jurisdictions—the tool only supports jurisdictions explicitly configured in the compliance contract. It cannot validate recipient identity off-chain—the tool cannot confirm that the wallet address belongs to the intended recipient or that the recipient's KYC status is current. It cannot detect if the compliance oracle contract contains vulnerabilities or malicious code—the tool does not audit the compliance logic. It cannot guarantee regulatory approval—compliance is ultimately determined by regulators and may require additional off-chain reporting.

PLEASE NOTE — EVM CHAINS ONLY

This tool exclusively supports EVM-compatible chains where ethers.js can connect via standard JSON-RPC. It does not support non-EVM chains such as Solana, Tron, Starknet, SUI, TON, Aptos, Bitcoin, Cosmos, or XRP. The compliance contract must implement the specific interface expected by this tool (getKYCStatus, canTransfer, executeCompliantTransfer, getTransferLimit). This tool is a compliance assistance interface, not a legal advisor. Travel Rule requirements vary by jurisdiction—consult with legal counsel regarding your specific obligations.