Cleanverse unveils compliance-native layer for on-chain finance

Cleanverse International has launched a new compliance-native layer for on-chain finance in Singapore, aiming to embed traditional financial governance directly into blockchain-based systems. The solution is designed to maintain regulatory standards such as the Travel Rule and provide traceability throughout on-chain transactions, addressing a major concern for institutional adoption of digital assets.

Compliance integration

The newly unveiled infrastructure links verified identity to regulated stablecoins. Every value transfer on the network is tied to bank-verified credentials, removing the need for retrospective compliance checks. This approach allows Cleanverse to create a traceable, regulation-ready environment for value transfer on public blockchains, broadening its appeal to established financial institutions.

Central to the offering is the APASS credential, a reusable, non-transferable identity linked to a user's bank-verified account. This is interlocked with access tokens (A-tokens), which mirror regulated stablecoins and can only be transferred between APASS-verified wallets. This mechanism is designed to guarantee that every transfer happens between verified parties and verified funds, effectively incorporating core traditional finance controls on-chain.

Regulatory alignment

As regulators increase their focus on enforcing compliance standards such as the Travel Rule, financial institutions face rising pressure to ensure certainty and transparency around digital asset onboarding and transfer. The Cleanverse infrastructure contains an on-chain policy engine which autonomously enforces compliance. This engine embeds regulatory metadata, blacklist controls and location-specific rules into every transaction.

The consortium-led governance model aims to replicate systems such as SWIFT, allowing banks, asset issuers, Web3 service providers and regulators to co-develop a rulebook for on-chain finance. This approach is intended to give institutions the ability to apply the same level of trust to digital asset transfers as they do to traditional system transfers.

Industry backing

Institutional appetite for such solutions is growing in light of accelerating global adoption of blockchain and tokenised assets. Data shows that blockchain transaction volumes topped USD $10 trillion worldwide in 2023, with projections that tokenised assets could reach USD $16 trillion by 2030. In the Asia-Pacific region, crypto transaction volumes rose from USD $1.4 trillion to USD $2.36 trillion in the twelve months to June 2025.

The Cleanverse launch secured support from dtcpay, DigiFT, FOMO Group and KUN as its founding members. These organisations are working jointly to define standards, pilot real-world transfers and prove that compliance can be maintained natively on-chain. The consortium model aims to encourage broad industry participation and co-creation of standards designed for large-scale adoption.

Autonomous agents

The growth of autonomous AI agents, which increasingly handle both micro and standard transactions, has placed further importance on embedded compliance. These agents require systems with innate KYC and anti-money laundering capabilities to ensure safe operation inside regulated financial ecosystems. The Cleanverse solution seeks to address these requirements through its built-in compliance and governance structure.

"Compliance is not a hurdle; it is the gateway to participation in on-chain finance," said Ceridwen Choo, CEO, Cleanverse International.