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Compliance Overview

Overview​

NOAH supports two compliance-forward regulatory models, accommodating both regulated and unregulated businesses, enabling your business to perform compliant transactions across global jurisdictions. We partner with a range of businesses— from those relying on NOAH’s regulatory framework to those who already hold their own licenses.

tip

NOAH has a Trust Center to simplify the Compliance and Security policy handover process.

You can request access to our Trust Center here.

Regulatory Models​

Technology Providers​

A Technology Provider is an app or organization without the relevant licensing and/or registration, that can use NOAH’s regulatory infrastructure to enable fiat/crypto transactions.

  • Leverage NOAH’s existing regulatory and licensing framework.
  • Embed Hosted KYC flows to onboard your customers (coming soon).
  • Facilitate payments across global jurisdictions.

Licensed Providers​

Licensed Providers have the required regulatory approvals to conduct KYC and handle regulated transactions in their respective jurisdictions. They can also rely on NOAH’s compliance coverage for regions where they do not hold licensing.

  • Integrate with NOAH through a Reliance Model structure, enabling KYC Data Transfer via API.
  • Collect and withdraw accrued fees through the Business Dashboard.
  • Expand your reach by leveraging NOAH's global coverage.

KYC Models​

Reliance Model​

In Reliance Model, your business performs the compliance & regulatory obligations to enable customers to transact through NOAH, including KYC & Identity Verification checks; AML, Fraud and Risk checks and Transaction Monitoring.

Once you've verified your customer, you can share the simplified KYC data with NOAH when conducting transactions. This data is used to perform ongoing screening and monitoring on payment methods created by your customer, or your customer's counterparties. The Reliance Model data provided by your business is subject to regular spot checks, where you may be asked to provide a Full KYC pack for the customer, to validate the data provided is a match.

Requirements​

  • Your business must be a regulated entity.
  • You must complete KYB & compliance onboarding with NOAH.
  • You must disclose to customers that NOAH is a recipient of their data (as per our T&Cs).
  • You must ensure that Customers enabled to transact through NOAH, via the Reliance Model Customers endpoint, have a valid KYC status in your system, when transacting.
  • You must ensure that customers with expired identification are not permitted to transact with NOAH.

Advantages​

  • Streamline Customer Onboardings: Remove the need for your customers to KYC again.
  • Control Your Customer Data: You retain ownership and management of your customer's KYC data.
  • Transact Immediately: Customers are able to transact, after you upload their simplified data to one API endpoint.
  • Onboard En Masse: Onboard customers programmatically using the PUT Customers endpoint.

Standard Model​

Under the Standard Model, NOAH enables you to generate and embed a Hosted Onboarding session, where we onboard your customer directly by allowing them to accept our terms and complete their Identity Verification attempt through interface. We will notify you once the customer's KYC status has been updated, via a webhook notification.

In this scenario, NOAH enters into a contractual relationship with your customer, and absorbs the regulatory-compliance requirements to enable the customer to transact. This includes Transaction Monitoring, AML Fraud and Risk Checks as well as Identity Verification.

Your customer may be contacted via email, in regards to their compliance status and transactional activity, including scenarios where we need to conduct Extra Due Diligence to facilitate their transaction.

Advantages​

  • Embed a Streamlined Interface: Avoid the hassle in building a user interface to facilitate onboardings.
  • No License Required: NOAH employs strategic licensing, enabling us to facilitate transactions globally, so that you don't have to worry about it.
  • Secure Management of Data: Allow us to manage the secure collection and handling of customer data. This data will only be used in the context of the transactions your customers are performing.
  • Compliance, AML, Fraud, Risk and Transaction Monitoring handled: Leverage our expertise in compliance and our global regulatory frameworks, to build solutions which matter to your customers.
  • Stay True to Web3: Web3 ecosystems need-not de-anonymise their users. Enable NOAH, as a trusted fiat <> crypto exchange to own the compliance relationship with your customers. You can reference your customers by passing their self-custody wallet address as an identifier.

Integration Types​

White-Label Integration​

White-label integrations can use either the Reliance Model or the Standard Model (with Hosted KYC). This approach gives you full control of your branding and user experience while relying on NOAH’s backend compliance and payment functionality.

Explore Business API →

Hosted Checkout​

Hosted Checkout also supports both Reliance and Standard Models. It provides a pre-built, consumer-friendly interface for rapid deployment — and can be configured to perform KYC onboarding checks as part of its user flow.

Explore Hosted Checkout →