🛡️Security and Compliance
Robust Security Framework
Constructkoin employs the latest security protocols and conducts regular audits to safeguard user funds and maintain platform integrity. This includes cyber security oversight, comprehensive vulnerability testing, secure smart contract development and thorough code reviews,
Our smart contract is in the process of being audited by Certik and we will be updating this information shorlty.
Multi-Jurisdictional Regulatory Framework
UK Compliance
Companies House Registration: England & Wales corporate compliance
UK Corporate Law: All operations governed by English law
Commercial Lending Focus: Business-to-business development finance for commercial entities
AML/KYC Compliance: AI-enhanced verification for all transactions
BVI Compliance
VASP License: Virtual Asset Service Provider authorisation in process
BVI FSC: Financial Services Commission registration
AML/CFT Protocols: AI-powered Anti-Money Laundering / Combating Financing of Terrorism
Risk Management Framework
Market Risk Mitigation
Property Market Protection
Conservative 60–70% LTV ratios protecting against lending and market exposure
Diversified loan portfolio across multiple developers
Geographic diversification initially focussed on UK
Regular property valuations and independent monitioring surveying
Operational Risk Management
Professional property development finance team with proven track record
Monthly reporting and site inspection requirements
Comprehensive legal documentation and security packages
Professional indemnity and operational insurance coverage
Liquidity Management
Multiple funding sources and credit facilities
Conservative cash reserve policies
Diversified revenue streams including interest from development loans, profit participation and rental incomes
Emergency asset disposal procedures if required
AML/KYC Technology Integration
AI-Enhanced Identity Verification Systems
SumSub: Primary KYC/AML verification platform with AI document verification, biometric checks, and liveness detection
Third-Party Payment Processors: Licensed fiat-to-crypto on-ramp providers with AI-enhanced KYC verification
Chainalysis: AI-powered blockchain transaction monitoring and compliance analytics
Jumio: Secondary identity verification with AI biometric verification
Refinitiv: AI-enhanced sanctions screening, PEP checking, and adverse media monitoring
Internal AI Systems: Proprietary AI risk scoring algorithms and behavioral analytics
AI-Integrated Compliance Flow
Fiat On-Ramp AI KYC: Licensed payment processors with AI verification for fiat transactions
Platform AI KYC: SumSub with AI enhancement for platform access and transaction limits
Ongoing Monitoring: Real-time AI transaction analysis across all payment channels
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