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A Reference Architecture for Compliant Digital Asset Platforms

Author(s) Prashant Singh
Country United States
Abstract Digital asset platforms have revolutionized financial systems, making the issuance, custody, transfer, and trading of tokenized assets available over decentralized and programmable infrastructures. Powered in some instances using decentralized ledger technologies, these institutions champion the benefits of automation, transparency, and accessibility. However, the ramped pace of their emerging development has given rise to unique obstacles to meeting regulatory compliance, particularly in fields like AML, KYC, smart contract monitoring, and data privacy regulation. Regrettably, a comprehensive view of an architectural approach that encourages top-down compliance has not been available, resulting in a diversity of ad hoc implementations, legal uncertainty, and constrained institutional participation.
This paper presents a holistic reference architecture to design, implement, and operate digital asset platforms with embedded compliance as a core tenet. The infrastructure includes modular and interoperable layers of identity and access management, regulatory policy enforcement, smart contract auditability, transactional traceability, and secure data management. To maintain operational agility, scalability, and auditability, with an emphasis on the separation of concerns, it supports adaptable compliance logic based on changing jurisdictional requirements. The architecture allows interaction between blockchain networks, legacy financial systems, and regulators through interfaces and policy engines.
Based on well-known concepts in building enterprise systems, information security, and financial regulation, the architectural framework yields a standard that minimizes risk and promotes platform integrity. It incorporates features of real-time monitoring, dynamic risk assessment, privacy-preserving identity verification, and auto audit contract execution with no performance and decentralization compromises. In so doing, the model provides real-world solutions for enabling not only trust, but also legal enforceability of digital asset transactions, even in sophisticated multi-jurisdictional environments.
A comprehensive review of existing digital asset structures makes it clear that trying to shoehorn compliance into decentralized landscapes has its constraints and that a compliance-by-design approach is overdue. Technological robustness and regulatory alignment can be achieved through the methodology focused on employing mature patterns, such as layered architecture, service abstraction, and policy-centric control, to create a technology platform. Experimental results are performed using synthetic transaction scenarios and compliance stress tests, showing the ability of the platform to correctly identify anomalies, enforce policy updates, and provide verifiable audit trails in response to simulated enforcement actions.
This paper provides an introductory reference to developers, compliance architects, financial institutions, and policy-makers for the design of digital asset platforms that are secure, resilient, and regulation-compliant. Such a framework will enable not only the short-term compliance, but also long-term sustainable and trustworthy digital finance systems against the backdrop of evolving regulatory landscapes.
Field Engineering
Published In Volume 13, Issue 2, July-December 2022
Published On 2022-09-03
Cite This A Reference Architecture for Compliant Digital Asset Platforms - Prashant Singh - IJAIDR Volume 13, Issue 2, July-December 2022. DOI 10.71097/IJAIDR.v13.i2.1443
DOI https://doi.org/10.71097/IJAIDR.v13.i2.1443
Short DOI https://doi.org/g9q34r
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