mirror of
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zeekayandHanzo Dev
5c7d0fa655
Lux Partners Limited is not the entity behind this work. Every place the old name stood — copyright lines, site footers, brand config, legal and compliance text — now names the company that actually holds it. lux.fund is the exception and is not renamed to match: that site belongs to Lux Assets Management LLC, a different company, and it says so. Two kinds of line were left for a person rather than rewritten. A dated news item recording that Lux Partners Limited was established in the Isle of Man is a historical fact, and renaming it would falsify the record. And a sentence asserting that the company is domiciled in the Isle of Man is a claim about a jurisdiction, not a name — an Inc or an LLC is not an Isle of Man company, so swapping the name there would assert something untrue. Co-authored-by: Hanzo Dev <[email protected]>
112 lines
4.5 KiB
Go
112 lines
4.5 KiB
Go
// Copyright 2024-2026 Lux Industries Inc. All rights reserved.
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// Use of this source code is governed by the Apache 2.0
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// license that can be found in the LICENSE file.
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package regulatory
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// UAEDIFC implements the Jurisdiction interface for the Dubai International
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// Financial Centre (DIFC), regulated by the DFSA (Dubai Financial Services Authority).
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type UAEDIFC struct{}
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func (d *UAEDIFC) Name() string { return "UAE - DIFC" }
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func (d *UAEDIFC) Code() string { return "AE-DIFC" }
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func (d *UAEDIFC) RegulatoryFramework() string { return "dfsa" }
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func (d *UAEDIFC) PassportableTo() []string { return nil }
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func (d *UAEDIFC) Requirements() []Requirement {
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return []Requirement{
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{
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ID: "ae-difc-dfsa-licence",
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Category: "licensing",
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Description: "DFSA licence for financial services: dealing in investments, managing assets, arranging deals",
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Mandatory: true,
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Reference: "DFSA Rulebook, General (GEN) Module, s.2.2",
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},
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{
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ID: "ae-difc-dfsa-crypto",
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Category: "licensing",
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Description: "DFSA crypto token framework: recognised/accepted crypto token categories",
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Mandatory: false,
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Reference: "DFSA Rulebook, GEN Module s.2.2.2(j); Investment Tokens regime (2022 amendment)",
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},
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{
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ID: "ae-difc-dfsa-aml",
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Category: "aml",
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Description: "AML/CFT compliance per DFSA AML Module and Federal Decree-Law 20/2018",
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Mandatory: true,
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Reference: "DFSA Rulebook, Anti-Money Laundering (AML) Module",
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},
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{
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ID: "ae-difc-dfsa-cdd",
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Category: "kyc",
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Description: "Customer due diligence: verify identity, beneficial ownership, source of wealth/funds",
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Mandatory: true,
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Reference: "DFSA AML Module, s.7",
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},
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{
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ID: "ae-difc-dfsa-edd",
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Category: "kyc",
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Description: "Enhanced due diligence for PEPs and higher-risk customers",
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Mandatory: true,
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Reference: "DFSA AML Module, s.8",
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},
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{
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ID: "ae-difc-dfsa-str",
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Category: "reporting",
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Description: "Suspicious Activity Report to DFSA and UAE FIU",
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Mandatory: true,
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Reference: "DFSA AML Module, s.11",
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},
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{
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ID: "ae-difc-dfsa-conduct",
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Category: "kyc",
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Description: "Conduct of Business rules: client classification, suitability, disclosure",
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Mandatory: true,
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Reference: "DFSA Rulebook, Conduct of Business (COB) Module",
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},
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}
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}
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func (d *UAEDIFC) ValidateApplication(app *ApplicationData) []Violation {
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var violations []Violation
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if app.GivenName == "" {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-cdd", Field: "given_name", Message: "Full name is required for DFSA CDD", Severity: "error"})
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}
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if app.FamilyName == "" {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-cdd", Field: "family_name", Message: "Family name is required for DFSA CDD", Severity: "error"})
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}
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if app.DateOfBirth == "" {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-cdd", Field: "date_of_birth", Message: "Date of birth is required for DFSA CDD", Severity: "error"})
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}
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if len(app.Street) == 0 || app.Street[0] == "" {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-cdd", Field: "street", Message: "Residential address is required for DFSA CDD", Severity: "error"})
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}
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if app.Email == "" {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-cdd", Field: "email", Message: "Email address is required", Severity: "error"})
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}
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if app.FundingSource == "" {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-cdd", Field: "funding_source", Message: "Source of funds is required under DFSA AML Module s.7", Severity: "error"})
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}
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if app.IsPoliticallyExposed == nil {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-edd", Field: "is_politically_exposed", Message: "PEP status declaration is required under DFSA AML Module s.8", Severity: "error"})
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}
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if app.IsPoliticallyExposed != nil && *app.IsPoliticallyExposed {
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violations = append(violations, Violation{RequirementID: "ae-difc-dfsa-edd", Field: "is_politically_exposed", Message: "Enhanced due diligence required: customer is a PEP", Severity: "warning"})
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}
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return violations
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}
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func (d *UAEDIFC) TransactionLimits() *Limits {
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return &Limits{
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SingleTransactionMax: 500_000,
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DailyMax: 2_000_000,
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MonthlyMax: 10_000_000,
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CTRThreshold: 55_000,
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TravelRuleMin: 3_675,
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Currency: "USD", // DIFC operates in USD
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}
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}
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