Chain-agnostic KYC/AML compliance infrastructure. On-chain transfer enforcement, compliant DEX routing, asset wrapping, and multi-provider KYC integration as reusable building blocks for regulated token applications.

Part of Fabrknt — plug-in compliance for existing DeFi protocols. npm install @fabrknt/accredit-core

Accredit is organized into four layers:

Core Layer — Chain-agnostic compliance types and logic. KYC levels, jurisdiction checks, trade limits, and whitelist/blacklist management work across any chain. The Solana implementation uses Token-2022 transfer hooks for on-chain enforcement.

Routing Layer — Compliance-aware DEX aggregation. Routes are filtered to only pass through audited, whitelisted liquidity pools. Currently integrates Jupiter (Solana) with the architecture ready for EVM aggregator support. Includes optional zero-knowledge proof support for privacy-preserving compliance.

Wrapper Layer — Compliant asset wrapping. Wraps existing tokens (e.g., USDC, SOL) into KYC-gated Token-2022 equivalents (cUSDC, cSOL) with 1:1 backing. Wrapped tokens automatically inherit transfer hook enforcement, pulling existing liquidity into the compliance layer.

Identity Layer — Multi-provider KYC integration and institutional tooling. Pluggable KYC providers (Civic Pass, World ID) with aggregation strategies, bridging provider verification to on-chain whitelist entries. An institutional dashboard provides compliance officers with KYC management, pool registry oversight, wrapper operations, and analytics.

                        ┌───────────────────────────────┐
                        │           Accredit             │
                        │                                │
                        │  Core (chain-agnostic):        │
                        │   @fabrknt/accredit-core               │
                        │   accredit-types crate         │
                        │                                │
                        │  Solana:                       │
                        │   transfer-hook program        │
                        │   compliant-registry program   │
                        │   compliant-wrapper program    │
                        │   sovereign program            │
                        │   @fabrknt/accredit-sdk                │
                        │                                │
                        │  Routing:                      │
                        │   @fabrknt/accredit-router             │
                        │                                │
                        │  Identity:                     │
                        │   @fabrknt/accredit-kyc-providers      │
                        │   @fabrknt/accredit-institutional-ui   │
                        └───────────────┬───────────────-┘
                                        │
                       ┌────────────────┴───────────────┐
                       │                                │
                  core + routing                   core only
                       │                                │
              ┌────────▼────────┐            ┌──────────▼────────┐
              │    Meridian     │            │    Continuum      │
              │  (securities)   │            │  (repo treasury)  │
              └─────────────────┘            └───────────────────┘

accredit/
├── crates/
│   └── accredit-types/         # Shared Rust types (KycLevel, Jurisdiction, helpers)
├── programs/
│   ├── transfer-hook/          # Token-2022 transfer hook — KYC enforcement (Solana)
│   ├── compliant-registry/     # Pool compliance registry — route verification (Solana)
│   ├── compliant-wrapper/      # Asset wrapper — KYC-gated token wrapping (Solana)
│   └── sovereign/              # Universal identity & multi-dimensional reputation (Solana)
├── packages/
│   ├── core/                   # @fabrknt/accredit-core — Chain-agnostic TypeScript types
│   ├── sdk/                    # @fabrknt/accredit-sdk — Solana PDA derivation + clients
│   ├── router/                 # @fabrknt/accredit-router — Compliance-aware DEX routing
│   ├── kyc-providers/          # @fabrknt/accredit-kyc-providers — Multi-provider KYC integration
│   ├── sovereign-sdk/          # Sovereign identity SDK
│   ├── qn-addon/               # Fabrknt On-Chain Compliance — QuickNode add-on
│   └── institutional-ui/       # Institutional compliance dashboard (React)
└── tests/                      # Integration tests (ts-mocha)

@fabrknt/accredit-core has zero chain-specific dependencies. All address fields use string (not PublicKey), making types consumable from any chain context:

import { KycLevel, Jurisdiction, isJurisdictionAllowed } from "@fabrknt/accredit-core";
import type { WhitelistEntry, ComplianceCheckResult, Chain } from "@fabrknt/accredit-core";

// Chain type: "solana" | "evm"
// All addresses are plain strings — Solana base58 or EVM hex

Chain-specific SDKs (@fabrknt/accredit-sdk for Solana) convert between on-chain types and the chain-agnostic interfaces at the deserialization boundary.

Token-2022 transfer hook that validates every token transfer against KYC/AML requirements:

• Wallet whitelist with KYC level, jurisdiction, and expiry
• Per-wallet daily volume tracking and limits
• Per-KYC-level transaction size limits
• Jurisdiction restrictions (USA blocked by default)
• Emergency pause/resume for the registry
• Authority transfer

See docs/programs/transfer-hook.md for full reference.

On-chain registry of audited DEX pools for compliant route verification:

• Pool registration with audit hash, jurisdiction, and KYC requirements
• Pool lifecycle management (Active / Suspended / Revoked)
• Batch route verification (validate all hops in a single instruction)
• Compliance config linking pool registry to KYC registry

See docs/programs/compliant-registry.md for full reference.

Wraps existing SPL tokens into KYC-gated Token-2022 equivalents:

• 1:1 backed wrapping (deposit USDC, receive cUSDC)
• Wrapped mint uses Token-2022 with transfer hook extension for automatic compliance
• KYC verification required for wrap/unwrap (reads WhitelistEntry from transfer-hook program)
• Configurable fee (basis points) and minimum KYC level
• Emergency pause/resume for the wrapper
• Per-wrapper vault holding underlying assets

See docs/programs/compliant-wrapper.md for full reference.

Universal identity and multi-dimensional reputation protocol:

• 5 reputation dimensions — Trading, Civic, Developer, Infra, Creator
• Tiered progression — Bronze, Silver, Gold, Platinum, Diamond
• Creator DAO extension — Governance for creator-led communities
• Admission Market extension — Marketplace for identity and access credentials
• On-chain identity aggregation linked to KYC and compliance state

See docs/programs/sovereign.md for full reference.

The @fabrknt/accredit-kyc-providers package integrates external identity providers to lower user friction:

• Civic Pass — Reads on-chain gateway tokens for liveness, ID verification, and uniqueness checks
• World ID — Verifies zero-knowledge proof-of-personhood via the Worldcoin API
• Provider Aggregator — Multi-provider consensus with strategies: any, all, majority, highest
• KYC Bridge — Converts provider verification results into on-chain whitelist parameters

See docs/sdk/kyc-providers.md for usage guide.

The @fabrknt/accredit-institutional-ui package provides a React-based compliance dashboard for institutional users:

• KYC management (whitelist entries, batch operations, provider verification)
• Pool registry oversight (compliant pools, status tracking)
• Wrapper operations (supply monitoring, wrap/unwrap)
• Compliance analytics (jurisdiction distribution, KYC level breakdown, audit trail)

See docs/sdk/institutional-ui.md for setup instructions.

The qn-addon package (fabrknt-onchain-compliance) exposes compliance and identity data via QuickNode Marketplace:

• KYC whitelist reads and provider-based verification
• Compliance checks
• Identity reads
• Trust assessment
• Route compliance
• ZK proof inputs
• Wrapper config and supply reads

Plans:

See docs/sdk/ for usage guides.

• Rust (1.79+)
• Solana CLI (2.2.1+)
• Anchor (0.32.1)
• Node.js (20+)
• pnpm (10.31.0+)

# Install TypeScript dependencies
pnpm install

# Build Anchor programs
anchor build

# Build TypeScript packages
pnpm build

# Run on-chain + SDK tests (requires solana-test-validator)
anchor test

# Run TypeScript package tests
pnpm test

Rust crate (in your program's Cargo.toml):

[dependencies]
accredit-types = { path = "../accredit/crates/accredit-types" }

TypeScript packages (add accredit to your pnpm workspace):

# pnpm-workspace.yaml
packages:
  - "packages/*"
  - "../accredit/packages/*"

Then in your package.json:

{
  "dependencies": {
    "@fabrknt/accredit-core": "workspace:*",
    "@fabrknt/accredit-sdk": "workspace:*",
    "@fabrknt/accredit-router": "workspace:*"
  }
}

See docs/integration.md for detailed integration instructions.

• Architecture — System design, account structures, PDA derivation
• Transfer Hook Program — Instruction reference and account contexts
• Compliant Registry Program — Pool management and route verification
• Compliant Wrapper Program — Asset wrapping and KYC-gated minting
• SDK Guide — @fabrknt/accredit-core and @fabrknt/accredit-sdk usage
• Router Guide — @fabrknt/accredit-router compliance-aware routing
• KYC Providers Guide — Multi-provider KYC integration
• Institutional Dashboard — Dashboard setup and usage
• Integration Guide — Adding Accredit to your project

MIT