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International Bank Regulatory FAQ

100 regulatory compliance answers for overseas banks (SG/HK/UAE/US/EU) covering classification, AML, custody, and integration

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International Bank Regulatory FAQ

🟥 A. Regulatory Classification (1-20)

🟧 B. AML/CFT & KYC (21-40)

🟩 C. Custody & Settlement (41-60)

🟦 D. Technology & Operations (61-80)

🟫 E. Integration & Governance (81-100)

International Bank Regulatory FAQ

🟥 A. Regulatory Classification (1-20)

1.Does Lendler require a license in our jurisdiction?

2.Is Lendler a Money Transmitter?

3.Is Lendler a VASP/CASP?

4.Does it comply with MAS (Singapore) rules?

5.Does it comply with HKMA (Hong Kong) rules?

6.Does it comply with VARA (UAE) rules?

7.Does it comply with MiCA (EU)?

8.Does it comply with US regulations?

9.What is the legal entity structure?

10.Governing law?

11.Cross-border data transfer?

12.Sanctions exposure?

13.Is it a payment system?

14.Does it hold deposits?

15.Is it a shadow bank?

16.Regulatory reporting obligation?

17.Outsourcing classification?

18.Cloud outsourcing rules?

19.Token classification?

20.Liability for regulatory breach?

🟧 B. AML/CFT & KYC (21-40)

21.Who performs KYC?

22.Does Lendler see KYC data?

23.Travel Rule solution?

24.Transaction monitoring?

25.Sanctions screening?

26.Source of Wealth (SoW)?

27.Enhanced Due Diligence?

28.Correspondent banking impact?

29.FATF Guidance?

30.Unhosted wallets?

31.Privacy coins?

32.Mixers/Tumblers?

33.Chainalysis/Elliptic integration?

34.Suspicious Transaction Report?

35.Record keeping?

36.Risk-based approach?

37.Wire Transfer Regulation (EU)?

38.Red flag indicators?

39.Audit trail?

40.Training?

🟩 C. Custody & Settlement (41-60)

41.Who holds the private keys?

42.Does Lendler have access to funds?

43.What if Lendler goes bankrupt?

44.Settlement finality?

45.Reversibility?

46.Segregation of funds?

47.Omnibus vs Segregated wallets?

48.Reconciliation?

49.Gas fee management?

50.Multi-sig support?

51.MPC (Multi-Party Computation)?

52.Hardware wallet support?

53.Cold storage?

54.Whitelisting?

55.Approval workflows?

56.Daily limits?

57.Velocity limits?

58.Dual control?

59.Audit logs?

60.Insurance?

🟦 D. Technology & Operations (61-80)

61.SLA?

62.Support hours?

63.Hosting location?

64.Data encryption?

65.Penetration testing?

66.Bug bounty?

67.Source code audit?

68.API standards?

69.Integration time?

70.Sandbox?

71.Version updates?

72.Disaster Recovery?

73.Business Continuity?

74.Incident Management?

75.Change Management?