Accredit

Shared KYC/AML compliance infrastructure for Solana. Accredit provides on-chain transfer enforcement and compliant DEX routing as reusable building blocks for regulated token applications.

Overview

Accredit is organized into two layers:

Core Layer — KYC verification and transfer enforcement via Token-2022 transfer hooks. Every token transfer is validated against an on-chain whitelist that tracks KYC level, jurisdiction, expiry, and daily volume limits.

Routing Layer — Compliance-aware DEX aggregation built on top of Jupiter. Routes are filtered to only pass through audited, whitelisted liquidity pools. Includes optional zero-knowledge proof support for privacy-preserving compliance.

                        ┌───────────────────────────────┐
                        │           Accredit             │
                        │                                │
                        │  Core:                         │
                        │   transfer-hook program        │
                        │   accredit-types crate         │
                        │   @accredit/types              │
                        │   @accredit/sdk                │
                        │                                │
                        │  Routing:                      │
                        │   compliant-registry program   │
                        │   @accredit/router             │
                        └───────────────┬───────────────-┘
                                        │
                       ┌────────────────┴───────────────┐
                       │                                │
                  core + routing                   core only
                       │                                │
              ┌────────▼────────┐            ┌──────────▼────────┐
              │    Meridian     │            │    Continuum      │
              │  (securities)   │            │  (repo treasury)  │
              └─────────────────┘            └───────────────────┘

Repository Structure

accredit/
├── crates/
│   └── accredit-types/         # Shared Rust types (KycLevel, Jurisdiction, helpers)
├── programs/
│   ├── transfer-hook/          # Token-2022 transfer hook — KYC enforcement
│   └── compliant-registry/     # Pool compliance registry — route verification
├── packages/
│   ├── types/                  # @accredit/types — TypeScript type definitions
│   ├── sdk/                    # @accredit/sdk — PDA derivation + KycClient
│   └── router/                 # @accredit/router — compliance-aware Jupiter routing
└── tests/                      # Integration tests (ts-mocha)

Programs

Transfer Hook (5DLH2UrDD5bJFadn1gV1rof6sJ7MzJbVNnUfVMtGJgSL)

Token-2022 transfer hook that validates every token transfer against KYC/AML requirements:

• Wallet whitelist with KYC level, jurisdiction, and expiry
• Per-wallet daily volume tracking and limits
• Per-KYC-level transaction size limits
• Jurisdiction restrictions (USA blocked by default)
• Emergency pause/resume for the registry
• Authority transfer

See docs/programs/transfer-hook.md for full reference.

Compliant Registry (66tKcQqpv8GH2igWWBcLVrTjvo8cgpVJJAE8xadAgnYA)

On-chain registry of audited DEX pools for compliant route verification:

• Pool registration with audit hash, jurisdiction, and KYC requirements
• Pool lifecycle management (Active / Suspended / Revoked)
• Batch route verification (validate all hops in a single instruction)
• Compliance config linking pool registry to KYC registry

See docs/programs/compliant-registry.md for full reference.

TypeScript Packages

Package	Description	Layer
@accredit/types	Shared type definitions (enums, interfaces, constants)	Core
@accredit/sdk	PDA derivation, KycClient, RegistryClient	Core
@accredit/router	ComplianceAwareRouter, Jupiter integration, ZK proofs	Routing

See docs/sdk/ for usage guides.

Quick Start

Prerequisites

• Rust (1.79+)
• Solana CLI (2.2.1+)
• Anchor (0.32.1)
• Node.js (20+)
• pnpm (8+)

Build

# Install TypeScript dependencies
pnpm install

# Build Anchor programs
anchor build

# Build TypeScript packages
pnpm build

Test

# Run on-chain + SDK tests (requires solana-test-validator)
anchor test

# Run TypeScript package tests
pnpm test

Using as a Dependency

Rust crate (in your program's Cargo.toml):

[dependencies]
accredit-types = { path = "../accredit/crates/accredit-types" }

TypeScript packages (add accredit to your pnpm workspace):

# pnpm-workspace.yaml
packages:
  - "packages/*"
  - "../accredit/packages/*"

Then in your package.json:

{
  "dependencies": {
    "@accredit/types": "workspace:*",
    "@accredit/sdk": "workspace:*",
    "@accredit/router": "workspace:*"
  }
}

See docs/integration.md for detailed integration instructions.

KYC Levels

Level	Description	Per-Transaction Limit
Basic	Email + phone verification	100,000 JPY
Standard	Government ID document	10,000,000 JPY
Enhanced	Video call + address proof	100,000,000 JPY
Institutional	Corporate KYC/KYB	Unlimited

Jurisdictions

Jurisdiction	Code	Transfer Status
Japan	0	Allowed (primary market)
Singapore	1	Allowed
Hong Kong	2	Allowed
EU	3	Allowed
USA	4	Restricted
Other	5	Allowed

Documentation

• Architecture — System design, account structures, PDA derivation
• Transfer Hook Program — Instruction reference and account contexts
• Compliant Registry Program — Pool management and route verification
• SDK Guide — @accredit/types and @accredit/sdk usage
• Router Guide — @accredit/router compliance-aware routing
• Integration Guide — Adding Accredit to your project

Toolchain

Tool	Version
Anchor	0.32.1
Solana	2.2.1
Rust	2021 edition
TypeScript	5.6+
Node.js	20+

License

MIT