> For the complete documentation index, see [llms.txt](https://t-blocks.gitbook.io/t-blocks-documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://t-blocks.gitbook.io/t-blocks-documentation/compliance-and-reporting/aml-kyc-framework.md).

# AML / KYC Framework

T-Blocks operates within Luxembourg's anti-money laundering and counter-terrorist financing framework, as implemented under the Luxembourg law of 12 November 2004, as amended (transposing EU AML Directives).

**Investor onboarding.** All investors (both ISIN rail and digital rail) complete a full KYC process before subscription. This includes identity verification, beneficial ownership identification, source-of-funds documentation, and risk assessment.

**Ongoing monitoring.** Investor profiles are monitored on an ongoing basis. Any material changes in investor circumstances, adverse media, or sanctions list updates trigger enhanced due diligence reviews.

**Suspicious activity reporting.** The Management Company's compliance function monitors for suspicious activity and reports to the Luxembourg Financial Intelligence Unit (Cellule de Renseignement Financier — CRF) where required.

**Record keeping.** KYC records are maintained for a mini