Who We Serve
Digital Asset and Crypto Compliance Services
InnReg provides compliance consulting and outsourcing for digital asset and crypto businesses, from regulatory assessments and licensing to AML and sanctions programs, ongoing compliance management, outsourced officers, independent testing, and regulatory examinations.
Since 2013
100+ fintechs supported
Digital asset and AML expertise
SOC 2® Type 2 Report
As seen on:
Compliance Built Around the Activity, Asset, and Transaction
Compliance Built Around the Activity, Asset, and Transaction
"Crypto company" is not a regulatory category. A digital asset business may exchange assets, transmit value, custody customer assets, issue a stablecoin, tokenize securities, provide staking services, operate trading infrastructure, or simply develop software. Those activities can produce very different regulatory outcomes even when they are delivered through the same application.
The asset itself is only part of the analysis. The SEC's recent interpretation distinguishes among digital commodities, digital collectibles, digital tools, stablecoins, and digital securities for purposes of the federal securities laws. It also makes an important distinction between the asset and the transaction: a crypto asset that is not itself a security can still be offered or sold as part of an investment contract.
Other regulatory frameworks operate independently. FinCEN's money-transmitter rules can apply when a business accepts and transmits convertible virtual currency. State money-transmission and digital-asset licensing requirements need separate analysis. Securities activities can require SEC and FINRA registration. Crypto derivatives fall within the CFTC framework. Custody can implicate state virtual-currency, trust, banking, securities, or other regimes. Payment stablecoin issuance is moving into a dedicated federal framework under the GENIUS Act.
InnReg helps connect those regulatory questions with the compliance infrastructure needed to operate. We can assess the regulatory perimeter, support licensing and registration, build AML and operating programs, manage recurring compliance obligations, provide compliance leadership, perform independent testing, and help address regulatory examinations and remediation.
Launching a Crypto Product or Changing Your Business Model?
InnReg can assess your assets, activities, transaction flows, custody model, customer locations, and proposed functionality before you commit to a regulatory structure. We translate the assessment into licensing, program, personnel, and implementation priorities.
Firm Types
Who We Work With
InnReg supports broker-dealers with different business models, operating structures, and compliance needs.
Crypto Exchanges and Trading Platforms
Platforms supporting fiat-to-crypto or crypto-to-crypto trading, brokerage-like activity, or exchange functionality, with requirements assessed based on the assets, transaction model, custody, and jurisdictions involved.
Crypto Exchanges and Trading Platforms
Platforms supporting fiat-to-crypto or crypto-to-crypto trading, brokerage-like activity, or exchange functionality, with requirements assessed based on the assets, transaction model, custody, and jurisdictions involved.
Wallet and Custody Providers
Hosted wallet providers, institutional custodians, and other businesses holding or controlling customer digital assets, as well as non-custodial models requiring analysis of actual control and functionality.
Wallet and Custody Providers
Hosted wallet providers, institutional custodians, and other businesses holding or controlling customer digital assets, as well as non-custodial models requiring analysis of actual control and functionality.
Crypto Payments, Remittance and On/Off-Ramp Businesses
Businesses using digital assets for payments, transfers, remittances, conversion, settlement, or fiat on- and off-ramps, with money-transmission and financial-crime requirements assessed separately.
Crypto Payments, Remittance and On/Off-Ramp Businesses
Businesses using digital assets for payments, transfers, remittances, conversion, settlement, or fiat on- and off-ramps, with money-transmission and financial-crime requirements assessed separately.
Stablecoin Issuers and Infrastructure
Payment stablecoin issuers, distributors, wallet providers, exchanges, and infrastructure businesses preparing for the GENIUS Act framework and other applicable federal and state requirements.
Stablecoin Issuers and Infrastructure
Payment stablecoin issuers, distributors, wallet providers, exchanges, and infrastructure businesses preparing for the GENIUS Act framework and other applicable federal and state requirements.
Tokenization and Digital Asset Securities Platforms
Businesses tokenizing securities or real-world assets, supporting digital securities, or building trading and settlement infrastructure where securities, broker-dealer, ATS, custody, or other requirements may apply.
Tokenization and Digital Asset Securities Platforms
Businesses tokenizing securities or real-world assets, supporting digital securities, or building trading and settlement infrastructure where securities, broker-dealer, ATS, custody, or other requirements may apply.
Staking, DeFi and On-Chain Yield Platforms
Businesses providing staking, liquid staking, decentralized finance, lending, yield, or other on-chain functionality requiring analysis of the service structure, asset handling, customer rights, and regulatory perimeter.
Staking, DeFi and On-Chain Yield Platforms
Businesses providing staking, liquid staking, decentralized finance, lending, yield, or other on-chain functionality requiring analysis of the service structure, asset handling, customer rights, and regulatory perimeter.
Crypto Derivatives and Market Infrastructure
Platforms supporting futures, options, perpetuals, or other crypto derivatives, and businesses developing trading, clearing, or other infrastructure governed by the applicable CFTC, SEC, or market-infrastructure framework.
Crypto Derivatives and Market Infrastructure
Platforms supporting futures, options, perpetuals, or other crypto derivatives, and businesses developing trading, clearing, or other infrastructure governed by the applicable CFTC, SEC, or market-infrastructure framework.
Requirements
Key Compliance Areas for Digital Assets and Crypto
Digital asset compliance depends on the interaction among the asset, transaction, service, customer, jurisdiction, and operating model. One license, regulatory conclusion, or asset classification should not be assumed to resolve the entire business.
Crypto Asset Classification and the Regulatory Perimeter
The SEC's recent interpretation distinguishes digital commodities, digital collectibles, digital tools, stablecoins, and digital securities. A crypto asset that is not itself a security can still be involved in an investment-contract transaction depending on how it is offered or sold. Tokenization likewise does not change the legal character of an underlying security.
Stablecoins and the GENIUS Act
The GENIUS Act establishes a federal framework for permitted payment stablecoin issuers, including reserve, redemption, disclosure, BSA/AML, sanctions, risk-management, and supervisory requirements. Implementation remains underway in 2026. Issuing a payment stablecoin should be distinguished from distributing, exchanging, custodying, or using stablecoins, which can produce different regulatory obligations.
Staking, Liquid Staking, DeFi, and Yield
The SEC's 2026 interpretation concludes that specified protocol-staking activities described in the release do not involve securities transactions, but that does not resolve every staking or DeFi model. Custody, money transmission, lending, pooling, token issuance, leverage, guarantees, yield structures, compensation, and service-provider discretion can still change the regulatory analysis.
FinCEN MSB Registration and BSA/AML
Businesses exchanging or transmitting convertible virtual currency can fall within FinCEN's money-transmitter framework. Covered MSBs generally must register with FinCEN and maintain risk-based AML, suspicious-activity, training, independent-review, and recordkeeping controls. Qualifying transfers can also trigger FinCEN Funds Transfer and Travel Rule requirements, while non-custodial software alone does not necessarily constitute money transmission.
Digital Asset Securities, Tokenization, Broker-Dealers, and ATSs
Tokenized securities remain securities. Depending on the activities performed, digital securities businesses can implicate Securities Act requirements, broker-dealer registration, FINRA membership, Regulation ATS, custody rules, books and records, transfer-agent requirements, and investment-adviser regulation. A blockchain-based trading interface does not remove registration obligations that would apply to the same underlying securities activity off-chain.
Sanctions, Blockchain Analytics, and the Crypto Travel Rule
OFAC sanctions apply to digital asset transactions just as they apply to fiat activity. Controls can include customer and wallet screening, geographic exposure, transaction tracing, investigation, escalation, and required reporting. Blockchain analytics can support those controls but does not replace compliance judgment. Covered money transmitters may also need to satisfy FinCEN Travel Rule requirements.
State Money Transmission and Digital Asset Licensing
FinCEN registration does not provide nationwide authority to conduct every digital asset activity. State requirements can include money-transmitter licensing, dedicated virtual-currency licenses, trust authority, or other permissions. New York regulates covered virtual-currency business under 23 NYCRR Part 200, while California's DFAL establishes a separate licensing framework for covered digital-financial-asset activity.
Digital Commodities and Crypto Derivatives
Spot digital commodities and crypto derivatives operate under different CFTC frameworks. The CFTC has anti-fraud and anti-manipulation authority over spot commodity markets, while futures, options, swaps, leveraged products, and other derivatives can trigger registration and operating requirements for DCMs, FCMs, DCOs, CPOs, CTAs, IBs, or other regulated entities.
Consumer Disclosures, Market Conduct, Cybersecurity, and Records
Customer disclosures should accurately address fees, execution, custody, withdrawals, staking, liquidity, conflicts, stablecoin reserves, insurance, and other material product features. Firms should not imply FDIC or SIPC protections where they do not apply. Cybersecurity, wallet access, incident response, business continuity, and records should also reflect the firm's actual custody and transaction model.
Crypto Asset Classification and the Regulatory Perimeter
The SEC's recent interpretation distinguishes digital commodities, digital collectibles, digital tools, stablecoins, and digital securities. A crypto asset that is not itself a security can still be involved in an investment-contract transaction depending on how it is offered or sold. Tokenization likewise does not change the legal character of an underlying security.
FinCEN MSB Registration and BSA/AML
Businesses exchanging or transmitting convertible virtual currency can fall within FinCEN's money-transmitter framework. Covered MSBs generally must register with FinCEN and maintain risk-based AML, suspicious-activity, training, independent-review, and recordkeeping controls. Qualifying transfers can also trigger FinCEN Funds Transfer and Travel Rule requirements, while non-custodial software alone does not necessarily constitute money transmission.
State Money Transmission and Digital Asset Licensing
FinCEN registration does not provide nationwide authority to conduct every digital asset activity. State requirements can include money-transmitter licensing, dedicated virtual-currency licenses, trust authority, or other permissions. New York regulates covered virtual-currency business under 23 NYCRR Part 200, while California's DFAL establishes a separate licensing framework for covered digital-financial-asset activity.
Stablecoins and the GENIUS Act
The GENIUS Act establishes a federal framework for permitted payment stablecoin issuers, including reserve, redemption, disclosure, BSA/AML, sanctions, risk-management, and supervisory requirements. Implementation remains underway in 2026. Issuing a payment stablecoin should be distinguished from distributing, exchanging, custodying, or using stablecoins, which can produce different regulatory obligations.
Digital Asset Securities, Tokenization, Broker-Dealers, and ATSs
Tokenized securities remain securities. Depending on the activities performed, digital securities businesses can implicate Securities Act requirements, broker-dealer registration, FINRA membership, Regulation ATS, custody rules, books and records, transfer-agent requirements, and investment-adviser regulation. A blockchain-based trading interface does not remove registration obligations that would apply to the same underlying securities activity off-chain.
Digital Commodities and Crypto Derivatives
Spot digital commodities and crypto derivatives operate under different CFTC frameworks. The CFTC has anti-fraud and anti-manipulation authority over spot commodity markets, while futures, options, swaps, leveraged products, and other derivatives can trigger registration and operating requirements for DCMs, FCMs, DCOs, CPOs, CTAs, IBs, or other regulated entities.
Staking, Liquid Staking, DeFi, and Yield
The SEC's 2026 interpretation concludes that specified protocol-staking activities described in the release do not involve securities transactions, but that does not resolve every staking or DeFi model. Custody, money transmission, lending, pooling, token issuance, leverage, guarantees, yield structures, compensation, and service-provider discretion can still change the regulatory analysis.
Sanctions, Blockchain Analytics, and the Crypto Travel Rule
OFAC sanctions apply to digital asset transactions just as they apply to fiat activity. Controls can include customer and wallet screening, geographic exposure, transaction tracing, investigation, escalation, and required reporting. Blockchain analytics can support those controls but does not replace compliance judgment. Covered money transmitters may also need to satisfy FinCEN Travel Rule requirements.
Consumer Disclosures, Market Conduct, Cybersecurity, and Records
Customer disclosures should accurately address fees, execution, custody, withdrawals, staking, liquidity, conflicts, stablecoin reserves, insurance, and other material product features. Firms should not imply FDIC or SIPC protections where they do not apply. Cybersecurity, wallet access, incident response, business continuity, and records should also reflect the firm's actual custody and transaction model.
Crypto Asset Classification and the Regulatory Perimeter
The SEC's recent interpretation distinguishes digital commodities, digital collectibles, digital tools, stablecoins, and digital securities. A crypto asset that is not itself a security can still be involved in an investment-contract transaction depending on how it is offered or sold. Tokenization likewise does not change the legal character of an underlying security.
FinCEN MSB Registration and BSA/AML
Businesses exchanging or transmitting convertible virtual currency can fall within FinCEN's money-transmitter framework. Covered MSBs generally must register with FinCEN and maintain risk-based AML, suspicious-activity, training, independent-review, and recordkeeping controls. Qualifying transfers can also trigger FinCEN Funds Transfer and Travel Rule requirements, while non-custodial software alone does not necessarily constitute money transmission.
State Money Transmission and Digital Asset Licensing
FinCEN registration does not provide nationwide authority to conduct every digital asset activity. State requirements can include money-transmitter licensing, dedicated virtual-currency licenses, trust authority, or other permissions. New York regulates covered virtual-currency business under 23 NYCRR Part 200, while California's DFAL establishes a separate licensing framework for covered digital-financial-asset activity.
Stablecoins and the GENIUS Act
The GENIUS Act establishes a federal framework for permitted payment stablecoin issuers, including reserve, redemption, disclosure, BSA/AML, sanctions, risk-management, and supervisory requirements. Implementation remains underway in 2026. Issuing a payment stablecoin should be distinguished from distributing, exchanging, custodying, or using stablecoins, which can produce different regulatory obligations.
Digital Asset Securities, Tokenization, Broker-Dealers, and ATSs
Tokenized securities remain securities. Depending on the activities performed, digital securities businesses can implicate Securities Act requirements, broker-dealer registration, FINRA membership, Regulation ATS, custody rules, books and records, transfer-agent requirements, and investment-adviser regulation. A blockchain-based trading interface does not remove registration obligations that would apply to the same underlying securities activity off-chain.
Digital Commodities and Crypto Derivatives
Spot digital commodities and crypto derivatives operate under different CFTC frameworks. The CFTC has anti-fraud and anti-manipulation authority over spot commodity markets, while futures, options, swaps, leveraged products, and other derivatives can trigger registration and operating requirements for DCMs, FCMs, DCOs, CPOs, CTAs, IBs, or other regulated entities.
Staking, Liquid Staking, DeFi, and Yield
The SEC's 2026 interpretation concludes that specified protocol-staking activities described in the release do not involve securities transactions, but that does not resolve every staking or DeFi model. Custody, money transmission, lending, pooling, token issuance, leverage, guarantees, yield structures, compensation, and service-provider discretion can still change the regulatory analysis.
Sanctions, Blockchain Analytics, and the Crypto Travel Rule
OFAC sanctions apply to digital asset transactions just as they apply to fiat activity. Controls can include customer and wallet screening, geographic exposure, transaction tracing, investigation, escalation, and required reporting. Blockchain analytics can support those controls but does not replace compliance judgment. Covered money transmitters may also need to satisfy FinCEN Travel Rule requirements.
Consumer Disclosures, Market Conduct, Cybersecurity, and Records
Customer disclosures should accurately address fees, execution, custody, withdrawals, staking, liquidity, conflicts, stablecoin reserves, insurance, and other material product features. Firms should not imply FDIC or SIPC protections where they do not apply. Cybersecurity, wallet access, incident response, business continuity, and records should also reflect the firm's actual custody and transaction model.
How We Help
How InnReg Supports Digital Asset and Crypto Businesses
InnReg can support a specific licensing or regulatory project, supplement an internal compliance team, or provide a broader outsourced compliance function. The engagement is built around the activities the business actually performs rather than a generic "crypto compliance" checklist.
Determining the Regulatory Path and Supporting Licensing
A digital asset business can cross multiple regulatory frameworks through a single customer journey.
InnReg begins by mapping the legal entities, assets, jurisdictions, customer types, wallets, money flows, custody arrangements, trading functionality, and service providers. We then identify the registrations, licenses, exemptions, and specialist legal questions that need to be addressed.
Our digital asset work has included federal MSB registration, state money-transmitter licensing, New York virtual-currency requirements, California digital-asset licensing, crypto-enabled payment models, trading platforms, and regulatory expansion across multiple jurisdictions.
Support can include:
Regulatory-perimeter assessment
FinCEN MSB registration
State money-transmitter licensing
Digital-asset and virtual-currency applications
New York BitLicense-related workstreams
California DFAL applications and maintenance
Business plans and funds-flow documentation
Policies and supporting application materials
Financial, personnel, and vendor coordination
Regulatory questions and responses
Post-license implementation planning
Determining the Regulatory Path and Supporting Licensing
A digital asset business can cross multiple regulatory frameworks through a single customer journey.
InnReg begins by mapping the legal entities, assets, jurisdictions, customer types, wallets, money flows, custody arrangements, trading functionality, and service providers. We then identify the registrations, licenses, exemptions, and specialist legal questions that need to be addressed.
Our digital asset work has included federal MSB registration, state money-transmitter licensing, New York virtual-currency requirements, California digital-asset licensing, crypto-enabled payment models, trading platforms, and regulatory expansion across multiple jurisdictions.
Support can include:
Regulatory-perimeter assessment
FinCEN MSB registration
State money-transmitter licensing
Digital-asset and virtual-currency applications
New York BitLicense-related workstreams
California DFAL applications and maintenance
Business plans and funds-flow documentation
Policies and supporting application materials
Financial, personnel, and vendor coordination
Regulatory questions and responses
Post-license implementation planning
Determining the Regulatory Path and Supporting Licensing
A digital asset business can cross multiple regulatory frameworks through a single customer journey.
InnReg begins by mapping the legal entities, assets, jurisdictions, customer types, wallets, money flows, custody arrangements, trading functionality, and service providers. We then identify the registrations, licenses, exemptions, and specialist legal questions that need to be addressed.
Our digital asset work has included federal MSB registration, state money-transmitter licensing, New York virtual-currency requirements, California digital-asset licensing, crypto-enabled payment models, trading platforms, and regulatory expansion across multiple jurisdictions.
Support can include:
Regulatory-perimeter assessment
FinCEN MSB registration
State money-transmitter licensing
Digital-asset and virtual-currency applications
New York BitLicense-related workstreams
California DFAL applications and maintenance
Business plans and funds-flow documentation
Policies and supporting application materials
Financial, personnel, and vendor coordination
Regulatory questions and responses
Post-license implementation planning
Building the AML and Operating Compliance Program
Crypto AML controls need to reflect both customer identity and what happens on-chain.
InnReg develops compliance programs around the firm's actual customer base, wallet model, asset flows, transaction volumes, geographic exposure, products, providers, and regulatory footprint. The program can connect written requirements to customer onboarding, blockchain analytics, alert handling, investigations, SAR decisions, Travel Rule workflows, sanctions screening, and supporting records.
Representative areas of support include:
Enterprise and AML risk assessments
AML policies and internal controls
KYC, KYB, CDD, and EDD procedures
Transaction-monitoring procedures
Blockchain analytics and wallet-risk workflows
Sanctions screening and escalation
SAR investigation and filing procedures
Travel Rule procedures
Fraud controls
Customer asset procedures
Vendor management
Complaints and customer communications
Training and implementation readiness
Building the AML and Operating Compliance Program
Crypto AML controls need to reflect both customer identity and what happens on-chain.
InnReg develops compliance programs around the firm's actual customer base, wallet model, asset flows, transaction volumes, geographic exposure, products, providers, and regulatory footprint. The program can connect written requirements to customer onboarding, blockchain analytics, alert handling, investigations, SAR decisions, Travel Rule workflows, sanctions screening, and supporting records.
Representative areas of support include:
Enterprise and AML risk assessments
AML policies and internal controls
KYC, KYB, CDD, and EDD procedures
Transaction-monitoring procedures
Blockchain analytics and wallet-risk workflows
Sanctions screening and escalation
SAR investigation and filing procedures
Travel Rule procedures
Fraud controls
Customer asset procedures
Vendor management
Complaints and customer communications
Training and implementation readiness
Building the AML and Operating Compliance Program
Crypto AML controls need to reflect both customer identity and what happens on-chain.
InnReg develops compliance programs around the firm's actual customer base, wallet model, asset flows, transaction volumes, geographic exposure, products, providers, and regulatory footprint. The program can connect written requirements to customer onboarding, blockchain analytics, alert handling, investigations, SAR decisions, Travel Rule workflows, sanctions screening, and supporting records.
Representative areas of support include:
Enterprise and AML risk assessments
AML policies and internal controls
KYC, KYB, CDD, and EDD procedures
Transaction-monitoring procedures
Blockchain analytics and wallet-risk workflows
Sanctions screening and escalation
SAR investigation and filing procedures
Travel Rule procedures
Fraud controls
Customer asset procedures
Vendor management
Complaints and customer communications
Training and implementation readiness
Managing Ongoing Licenses and Compliance Operations
Digital asset programs change quickly. Firms add assets, networks, wallets, payment methods, staking features, providers, and jurisdictions while their regulatory obligations continue in parallel.
InnReg can operate as an extension of the internal compliance team and administer recurring work across the agreed scope.
Our digital asset compliance work has included ongoing state license maintenance, AML operations, transaction-monitoring review, regulatory change management, regulator responses, examination remediation, and coordination between compliance, data, product, technology, and operations teams.
Ongoing support can include:
License and registration calendars
Regulatory filings and renewals
AML and sanctions program administration
Transaction-monitoring governance
SAR support
Blockchain analytics workflows
Policy maintenance
New-product reviews
Customer communication and complaint reviews
Vendor oversight
Regulatory change assessment
Examination and information-request support
Issue and remediation tracking
Managing Ongoing Licenses and Compliance Operations
Digital asset programs change quickly. Firms add assets, networks, wallets, payment methods, staking features, providers, and jurisdictions while their regulatory obligations continue in parallel.
InnReg can operate as an extension of the internal compliance team and administer recurring work across the agreed scope.
Our digital asset compliance work has included ongoing state license maintenance, AML operations, transaction-monitoring review, regulatory change management, regulator responses, examination remediation, and coordination between compliance, data, product, technology, and operations teams.
Ongoing support can include:
License and registration calendars
Regulatory filings and renewals
AML and sanctions program administration
Transaction-monitoring governance
SAR support
Blockchain analytics workflows
Policy maintenance
New-product reviews
Customer communication and complaint reviews
Vendor oversight
Regulatory change assessment
Examination and information-request support
Issue and remediation tracking
Managing Ongoing Licenses and Compliance Operations
Digital asset programs change quickly. Firms add assets, networks, wallets, payment methods, staking features, providers, and jurisdictions while their regulatory obligations continue in parallel.
InnReg can operate as an extension of the internal compliance team and administer recurring work across the agreed scope.
Our digital asset compliance work has included ongoing state license maintenance, AML operations, transaction-monitoring review, regulatory change management, regulator responses, examination remediation, and coordination between compliance, data, product, technology, and operations teams.
Ongoing support can include:
License and registration calendars
Regulatory filings and renewals
AML and sanctions program administration
Transaction-monitoring governance
SAR support
Blockchain analytics workflows
Policy maintenance
New-product reviews
Customer communication and complaint reviews
Vendor oversight
Regulatory change assessment
Examination and information-request support
Issue and remediation tracking
Providing Outsourced AML and Compliance Leadership
Digital asset businesses often need experienced compliance leadership before they have the scale to build every function internally. Others need interim support during licensing, remediation, rapid growth, or a leadership transition.
InnReg can provide outsourced AMLCO or other compliance leadership where appropriate to the firm's regulatory framework and engagement.
Support can include:
Formal AMLCO appointment where applicable
Compliance-program oversight
AML governance and escalation
Management reporting
Regulatory communications
License and examination coordination
Significant transaction and sanctions escalation
Remediation oversight
Regulatory-change management
Coordination with product, engineering, data, operations, and finance
Transition support as the internal team develops
The designated officer role is separate from simply maintaining compliance documentation. Authority, reporting lines, access to information, responsibilities, and escalation rights need to be clearly established.
Providing Outsourced AML and Compliance Leadership
Digital asset businesses often need experienced compliance leadership before they have the scale to build every function internally. Others need interim support during licensing, remediation, rapid growth, or a leadership transition.
InnReg can provide outsourced AMLCO or other compliance leadership where appropriate to the firm's regulatory framework and engagement.
Support can include:
Formal AMLCO appointment where applicable
Compliance-program oversight
AML governance and escalation
Management reporting
Regulatory communications
License and examination coordination
Significant transaction and sanctions escalation
Remediation oversight
Regulatory-change management
Coordination with product, engineering, data, operations, and finance
Transition support as the internal team develops
The designated officer role is separate from simply maintaining compliance documentation. Authority, reporting lines, access to information, responsibilities, and escalation rights need to be clearly established.
Providing Outsourced AML and Compliance Leadership
Digital asset businesses often need experienced compliance leadership before they have the scale to build every function internally. Others need interim support during licensing, remediation, rapid growth, or a leadership transition.
InnReg can provide outsourced AMLCO or other compliance leadership where appropriate to the firm's regulatory framework and engagement.
Support can include:
Formal AMLCO appointment where applicable
Compliance-program oversight
AML governance and escalation
Management reporting
Regulatory communications
License and examination coordination
Significant transaction and sanctions escalation
Remediation oversight
Regulatory-change management
Coordination with product, engineering, data, operations, and finance
Transition support as the internal team develops
The designated officer role is separate from simply maintaining compliance documentation. Authority, reporting lines, access to information, responsibilities, and escalation rights need to be clearly established.
Testing AML, Transaction Monitoring, and Sanctions Controls
Independent AML testing needs to evaluate how the program operates, not just whether a policy exists.
InnReg performs independent AML testing and other compliance reviews for digital asset businesses where the engagement satisfies applicable independence requirements. Our work can extend into transaction-monitoring and sanctions-control validation, including the data and technology supporting those systems.
InnReg has supported digital asset and money-transmitter clients with work involving transaction-monitoring logic, testing and validation, data quality, sanctions thresholds, AML data inventories, ETL controls, data lineage, vendor due diligence, and examination-readiness documentation.
Testing can include:
AML governance
Customer onboarding and due diligence
Transaction-monitoring samples
Blockchain analytics workflows
SAR decisioning
Sanctions screening
Travel Rule controls
Data completeness and lineage
Model or rule governance
License compliance
Vendor oversight
Findings and corrective actions
Follow-up validation
Smart-contract security audits, penetration testing, cryptographic reviews, and other specialist technical assurance are separate workstreams and should be performed by appropriately qualified technical specialists.
Testing AML, Transaction Monitoring, and Sanctions Controls
Independent AML testing needs to evaluate how the program operates, not just whether a policy exists.
InnReg performs independent AML testing and other compliance reviews for digital asset businesses where the engagement satisfies applicable independence requirements. Our work can extend into transaction-monitoring and sanctions-control validation, including the data and technology supporting those systems.
InnReg has supported digital asset and money-transmitter clients with work involving transaction-monitoring logic, testing and validation, data quality, sanctions thresholds, AML data inventories, ETL controls, data lineage, vendor due diligence, and examination-readiness documentation.
Testing can include:
AML governance
Customer onboarding and due diligence
Transaction-monitoring samples
Blockchain analytics workflows
SAR decisioning
Sanctions screening
Travel Rule controls
Data completeness and lineage
Model or rule governance
License compliance
Vendor oversight
Findings and corrective actions
Follow-up validation
Smart-contract security audits, penetration testing, cryptographic reviews, and other specialist technical assurance are separate workstreams and should be performed by appropriately qualified technical specialists.
Testing AML, Transaction Monitoring, and Sanctions Controls
Independent AML testing needs to evaluate how the program operates, not just whether a policy exists.
InnReg performs independent AML testing and other compliance reviews for digital asset businesses where the engagement satisfies applicable independence requirements. Our work can extend into transaction-monitoring and sanctions-control validation, including the data and technology supporting those systems.
InnReg has supported digital asset and money-transmitter clients with work involving transaction-monitoring logic, testing and validation, data quality, sanctions thresholds, AML data inventories, ETL controls, data lineage, vendor due diligence, and examination-readiness documentation.
Testing can include:
AML governance
Customer onboarding and due diligence
Transaction-monitoring samples
Blockchain analytics workflows
SAR decisioning
Sanctions screening
Travel Rule controls
Data completeness and lineage
Model or rule governance
License compliance
Vendor oversight
Findings and corrective actions
Follow-up validation
Smart-contract security audits, penetration testing, cryptographic reviews, and other specialist technical assurance are separate workstreams and should be performed by appropriately qualified technical specialists.
Assessing New Assets, Stablecoins, Custody, Staking, and Tokenization
A compliance framework that was appropriate at launch may no longer fit after a product change.
Adding a stablecoin, supporting a new network, introducing staking, changing custody architecture, creating a yield feature, tokenizing an asset, offering a new trading product, or expanding into another state can alter the regulatory analysis and operating controls.
InnReg can assess changes before implementation, including:
New asset listings
Token launches
Stablecoin issuance or distribution
GENIUS Act readiness
Custody and wallet changes
Staking and liquid staking
DeFi functionality
Lending and yield products
Tokenized securities and RWAs
Digital asset payment functionality
Crypto derivatives
New states or jurisdictions
Regulatory gaps in existing products
Required policy, licensing, and control changes
Where the question depends on formal asset classification, securities analysis, enforceability, or another legal conclusion, InnReg coordinates the compliance work with qualified counsel.
Assessing New Assets, Stablecoins, Custody, Staking, and Tokenization
A compliance framework that was appropriate at launch may no longer fit after a product change.
Adding a stablecoin, supporting a new network, introducing staking, changing custody architecture, creating a yield feature, tokenizing an asset, offering a new trading product, or expanding into another state can alter the regulatory analysis and operating controls.
InnReg can assess changes before implementation, including:
New asset listings
Token launches
Stablecoin issuance or distribution
GENIUS Act readiness
Custody and wallet changes
Staking and liquid staking
DeFi functionality
Lending and yield products
Tokenized securities and RWAs
Digital asset payment functionality
Crypto derivatives
New states or jurisdictions
Regulatory gaps in existing products
Required policy, licensing, and control changes
Where the question depends on formal asset classification, securities analysis, enforceability, or another legal conclusion, InnReg coordinates the compliance work with qualified counsel.
Assessing New Assets, Stablecoins, Custody, Staking, and Tokenization
A compliance framework that was appropriate at launch may no longer fit after a product change.
Adding a stablecoin, supporting a new network, introducing staking, changing custody architecture, creating a yield feature, tokenizing an asset, offering a new trading product, or expanding into another state can alter the regulatory analysis and operating controls.
InnReg can assess changes before implementation, including:
New asset listings
Token launches
Stablecoin issuance or distribution
GENIUS Act readiness
Custody and wallet changes
Staking and liquid staking
DeFi functionality
Lending and yield products
Tokenized securities and RWAs
Digital asset payment functionality
Crypto derivatives
New states or jurisdictions
Regulatory gaps in existing products
Required policy, licensing, and control changes
Where the question depends on formal asset classification, securities analysis, enforceability, or another legal conclusion, InnReg coordinates the compliance work with qualified counsel.
Our Methodology
How We Work With Digital Asset and Crypto Firms
Digital asset engagements often combine licensing, AML, product, technical, custody, and operational workstreams. InnReg uses a structured delivery model to keep those dependencies organized while connecting compliance requirements to the systems and processes that actually operate the product.
01
Understand the Activities and Set Priorities
We begin by reviewing the legal entities, assets, products, customers, jurisdictions, transaction flows, wallets, custody structure, trading or payment functionality, banking relationships, service providers, and existing compliance framework.
We identify the priority regulatory and compliance questions and the information needed to resolve them, including funds-flow diagrams, wallet architecture, agreements, licensing records, transaction data, policies, and product documentation.
01
Understand the Activities and Set Priorities
We begin by reviewing the legal entities, assets, products, customers, jurisdictions, transaction flows, wallets, custody structure, trading or payment functionality, banking relationships, service providers, and existing compliance framework.
We identify the priority regulatory and compliance questions and the information needed to resolve them, including funds-flow diagrams, wallet architecture, agreements, licensing records, transaction data, policies, and product documentation.
02
Establish the Team and Connect Compliance With Technology
Each engagement has a primary InnReg project lead who coordinates the day-to-day work. Licensing professionals, AML specialists, senior reviewers, and designated compliance officers are involved according to the scope.
We clarify responsibilities across compliance, legal counsel, product, engineering, security, data, wallet or custody operations, trading, finance, and service providers. Technical information is connected to the compliance controls and regulatory submissions it supports.
02
Establish the Team and Connect Compliance With Technology
Each engagement has a primary InnReg project lead who coordinates the day-to-day work. Licensing professionals, AML specialists, senior reviewers, and designated compliance officers are involved according to the scope.
We clarify responsibilities across compliance, legal counsel, product, engineering, security, data, wallet or custody operations, trading, finance, and service providers. Technical information is connected to the compliance controls and regulatory submissions it supports.
03
Execute and Track Regulatory and Compliance Work
Applications, regulator requests, policies, transaction reviews, testing, remediation, license maintenance, and product changes are tracked through an organized project-management process.
InnReg commonly uses tools such as Asana and Google Drive and can work within agreed client systems. Regular meetings and defined communication channels keep regulatory, product, operational, and technical dependencies visible.
03
Execute and Track Regulatory and Compliance Work
Applications, regulator requests, policies, transaction reviews, testing, remediation, license maintenance, and product changes are tracked through an organized project-management process.
InnReg commonly uses tools such as Asana and Google Drive and can work within agreed client systems. Regular meetings and defined communication channels keep regulatory, product, operational, and technical dependencies visible.
04
Review, Escalate, and Adapt
Asset classification questions, significant AML alerts, sanctions exposure, custody incidents, data-quality issues, licensing changes, or regulator-facing matters may require additional review by senior personnel, technical specialists, legal counsel, or the responsible internal function.
We maintain defined escalation paths and revisit the framework as assets, networks, products, providers, regulations, and jurisdictions change.
04
Review, Escalate, and Adapt
Asset classification questions, significant AML alerts, sanctions exposure, custody incidents, data-quality issues, licensing changes, or regulator-facing matters may require additional review by senior personnel, technical specialists, legal counsel, or the responsible internal function.
We maintain defined escalation paths and revisit the framework as assets, networks, products, providers, regulations, and jurisdictions change.
Case Studies
Digital Asset Compliance in Practice
Resources
Latest Content
Articles
Downloads
Why InnReg
Why Digital Asset Businesses Work With InnReg
InnReg combines financial-services compliance experience with digital asset expertise and a delivery model designed for businesses where regulation, technology, money movement, and product design are closely connected.
Support Across the Digital Asset Lifecycle
InnReg can support regulatory assessments, licensing, program development, launch, ongoing compliance, officer roles, testing, examinations, remediation, and subsequent product changes. Our support can evolve as the business and its regulatory footprint expand.
Experience With Different Crypto Business Models
We distinguish exchanges, wallets, custody, payments, stablecoins, tokenization, staking, DeFi, derivatives, and software rather than treating every digital asset company as the same regulatory problem.
Compliance Connected to On-Chain Activity
Customer identity, wallet exposure, blockchain transactions, off-chain records, custody, providers, and escalation workflows need to operate together. We build compliance around the actual asset and transaction flows rather than around generic policies.
Execution, Not Just Advice
Where included in the engagement, InnReg carries the work forward through applications, policies, licensing maintenance, transaction reviews, testing, regulator responses, issue tracking, and remediation.
Dedicated Digital Asset and AML Experience
InnReg's digital asset team includes professionals who have held compliance roles at some of the world's largest crypto exchanges and major global banks. Their experience spans digital asset regulation, AML/CTF, KYC and enhanced due diligence, transaction monitoring, sanctions, licensing, and compliance program development. The team also includes professionals with industry-recognized AML and blockchain analytics credentials.
Structured Coordination Across Compliance and Technology
Each engagement has a primary day-to-day lead supported by relevant specialists and senior reviewers. We coordinate with legal, product, engineering, data, security, operations, finance, and management while keeping decision ownership and specialist boundaries clear.
FAQ
Digital Asset and Crypto Compliance FAQs
Digital Asset and Crypto Compliance FAQs
What digital asset compliance services does InnReg provide?
Can InnReg help determine which crypto licenses or registrations we need?
Can InnReg build and manage our crypto AML program?
Can InnReg provide an outsourced AML Compliance Officer for a crypto company?
Can InnReg perform independent AML testing for a digital asset business?
Can InnReg assess new crypto products such as stablecoins, staking, custody, or tokenization?
Our Team
Meet the Team Supporting Digital Asset Compliance
Talk to Our Digital Asset and Crypto Compliance Team
Talk to Our Digital Asset and Crypto Compliance Team
Who We Serve
By Regulated Firm Type
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How We Help
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About InnReg
© 2026 InnReg LLC
305-908-1160
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156
Who We Serve
By Regulated Firm Type
Services
How We Help
Resources
Downloads
About InnReg
© 2026 InnReg LLC
305-908-1160
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
9100 S Dadeland Blvd
Suite 1500
Miami, Florida 33156