> For the complete documentation index, see [llms.txt](https://docs.fractit.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fractit.com/compliance/kyc-and-eligibility.md). # KYC & Eligibility *** ### Who can participate Fractit is intended for: * Retail investors seeking compliant on-chain access to listed real estate index exposure * Crypto-native investors seeking regulated index products on Canton Network * Institutional participants requiring compliant, auditable index token exposure * Secondary market participants looking for flexible, continuously tradable access to index-linked products Access is subject to eligibility screening. Not all jurisdictions are permitted. See Jurisdiction Controls. *** ### KYC onboarding process All users must complete the following before any activity is permitted: | Step | Requirement | | --------------------- | --------------------------------------------------------------- | | Identity verification | Government-issued photo ID (passport or national ID card) | | Liveness check | Real-time selfie verification to confirm document ownership | | PEP screening | Check against Politically Exposed Persons lists | | Sanctions screening | Check against global sanctions lists (OFAC, UN, EU, and others) | | AML risk scoring | Risk-based assessment of the user profile | | Jurisdiction check | Confirmation that the user's jurisdiction is not restricted | Onboarding is conducted by Fractit's approved compliance vendor. Verification typically completes within minutes. *** ### Ongoing monitoring Active users are subject to continuous monitoring including: * Periodic re-verification of identity documents * Ongoing sanctions and PEP screening * Transaction monitoring for suspicious activity patterns * Wallet screening before any new activity *** ### Whitelist On successful completion of KYC, the user's Canton wallet address is added to the on-chain whitelist. Only whitelisted wallets may: * Hold DFMREIT tokens * Subscribe for new tokens * Transfer tokens to other wallets * Redeem tokens for CC or USDC The whitelist is enforced at the DAML contract layer on Canton — not just at the application interface. Transfers to non-whitelisted wallets are rejected by the contract regardless of the interface used. *** ### Multiple wallets If you wish to use more than one wallet address with your Fractit account, each address must be individually whitelisted. Contact support to add an additional wallet to your verified account. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.fractit.com/compliance/kyc-and-eligibility.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.