Demo #15 · FATF R.16 · EU TFR · FinCEN · UK MLR · MAS · Stablecoin + RegTech Hubs

5 jurisdictions modeled Field-by-field matrix @ainumbers.co/vasp-travel-rule-v1

Originator + beneficiary data sufficiency, across five regimes that don't agree.

Configure your VASP's originator + beneficiary data-collection policy and score it against FATF Recommendation 16 and four jurisdictional implementations: EU TFR (Regulation 2024/1624, applicable from 30 December 2024), FinCEN 31 CFR 1010.410(f), UK MLR 2017, and MAS Notice PSN02. The matrix surfaces which fields each regime requires and the de-minimis threshold each applies. Exports an AP2 mandate the agentic runtime can enforce on every VASP-to-VASP send.

Zero PII · Client-side Sunrise issue: not all counterparty VASPs implement R.16 — handle explicitly Last Reviewed · 2026-05-13

FATF R.16 · EU TFR · AMLA — convergence is uneven

FATF Recommendation 16 (the "Travel Rule") extends originator+beneficiary data-sufficiency obligations from wire transfers to virtual asset transfers between VASPs. The EU Transfer of Funds Regulation (Regulation (EU) 2024/1624, applicable from 30 December 2024) implements R.16 with no de-minimis for crypto-asset transfers. In the US, FinCEN 31 CFR 1010.410(f) applies at $3,000 with a 2020 NPR proposing a $250 threshold for cross-border crypto (still pending). The EU AML Authority (AMLA) (Regulation 2024/1620) begins direct supervision of selected obliged entities, including VASPs, in 2028.

Sources: FATF R.16 Interpretive Note · EU 2024/1624 (TFR) Art. 14 · 31 CFR 1010.410(f) · FinCEN-2020-NPR-FOR-COMMENT · MAS PSN02 · UK MLR 2017 reg. 64

Value at risk · travel-rule enforcement

EU TFR penalties up to €5M or 10% turnover · NYDFS Coinbase 2023: $50M for AML programme deficiencies · FinCEN Bittrex 2022: $24M

EU TFR (Article 18) sets administrative pecuniary sanctions up to €5,000,000 or 10% of total annual turnover, whichever is higher, for systematic breaches. Recent enforcement: NYDFS / Coinbase 2023 consent order ($50M civil penalty + $50M remediation budget) for systemic AML programme deficiencies including travel-rule data gaps; FinCEN / Bittrex 2022 ($24M) for failures spanning travel-rule and OFAC. The mandate binds the chosen data-sufficiency policy so the runtime cannot silently relax the field requirements between audits.

EU 2024/1624 Art. 14, 18 · 31 USC §5321 · NYDFS Coinbase consent order Jan 2023 · FinCEN Bittrex consent order Oct 2022 · MAS Notice PSN02

§1 · Primary Jurisdiction EU TFR

Pick the home regime

The primary jurisdiction sets baseline expectations; the matrix below scores your policy against all five regimes regardless.

§2 · Originator Data Matrix FATF · EU · US · UK · MAS

Originator fields

Toggle which fields your VASP collects on every outbound transfer. R = required, O = optional, — = not required.

Field	FATF	EU TFR	FinCEN	UK MLR	MAS	Collected

§3 · Beneficiary Data Matrix FATF · EU · US · UK · MAS

Beneficiary fields

Beneficiary requirements are universally lighter than originator. The unique reference (address or wallet ID) is the universal floor.

Field	FATF	EU TFR	FinCEN	UK MLR	MAS	Collected

§4 · Threshold & Policy De-minimis · sunrise

De-minimis & sunrise handling

De-minimis threshold (USD-equivalent) EU TFR: 0 (no threshold). FinCEN: $3,000 (NPR proposes $250). FATF: $1,000 recommended.

$1,000

Counterparty-VASP verification

On missing originator data

§5 · Compliance Scorecard — / 100

Composite + per-jurisdiction

Composite

—

Primary regime

—

Per-jurisdiction breakdown

AP2 v1.0 · valid · @ainumbers.co/vasp-travel-rule-v1

Compose with

Pair with #8 — Stablecoin Issuer Readiness (every issuer's redemption / on-and-off-ramp partners are travel-rule counterparties) or #11 — AML TM Rule Builder for the AML programme overlay. The mandate this demo emits is consumable by #27 — Agentic Mandate Sandbox via a custom-schema paste once a corresponding eval engine is registered. Position: Tool Chain Composer, T126 in the AML/KYC cluster.