Built for regulatory scrutiny from day one.
Compliance is not an afterthought. It's built into every transaction, with real-time visibility for regulators and auditors.
Licensing roadmap
We are pursuing licences across three jurisdictions to serve global clients with appropriate regulatory oversight.
| Jurisdiction | Licence Type | Regulator | Target |
|---|---|---|---|
| Switzerland | Banking Licence | FINMA | Q4 2026 – Q1 2027 |
| DIFC | Providing Credit (Category 2) | DFSA | Q4 2026 – Q1 2027 |
| United Kingdom | Electronic Money Institution | FCA | Q3 2026 |
| United States | National Bank Charter (OCC) | OCC | Series B (deferred) |
Vayan does not hold client funds or execute live settlement prior to obtaining regulatory authorisation.
Our compliance approach
Built into the operating model from day one.
Screening before settlement
Every transaction is screened for sanctions and AML compliance before execution, not reconstructed afterward.
Real-time reporting
Regulators receive continuous visibility into our operations, not just annual reports.
Segregated funds
Client funds are held separately from our operating capital, with clear reserve attestation.
Complete audit trail
Every transaction carries a structured record of decisions, approvals, and compliance checks.
Security & Data Protection
We invest in security at every level of our business, from operations to the boardroom.
check_circle HSM-managed keys for critical operationscheck_circle Isolated execution environmentscheck_circle Multi-factor authenticationcheck_circle Regular penetration testingcheck_circle SOC 2 Type II (planned)check_circle ISO 27001 (planned)
Data Protection
We comply with GDPR and other applicable data protection regulations. Personal data is processed lawfully, transparently, and securely.
For data protection enquiries: compliance@vayan.finance
Questions?
Our compliance and regulatory team is available to discuss our licensing roadmap, security controls, and compliance approach.