Compliance overview

Reah is built to help businesses operate across fiat and stablecoin rails with the controls, audit trails, and verification processes that regulated financial operations require. This article covers how compliance works in Reah and where to find more detail on specific requirements.

Last updated 1 day ago

Summary

Reah operates with a tiered compliance model — different products carry different requirements depending on what your business is doing and where. This article covers how compliance works in Reah, what KYB involves, jurisdiction eligibility, and ongoing obligations.

What this covers

  • Compliance model and tiered requirements
  • KYB (Know Your Business) verification process
  • Jurisdiction eligibility for banking and card products
  • Ongoing compliance obligations for onboarded businesses
  • Data privacy under Reah's Sovereign AI Architecture

This applies to all Reah users. Banking and card activation require full KYB verification. Wallets, treasury, and onchain workflows are accessible before KYB is complete.

How Reah handles this

Tiered compliance model

The main area that carries full compliance requirements is:

  • Global business banking and corporate cards — these require full KYB verification before activation

You do not need to complete full KYB verification to start using Reah. Wallets, treasury, and onchain workflows are accessible immediately.

Know Your Business (KYB)

KYB is the business verification process Reah uses before activating banking and card products. It confirms your entity's legal status, ownership structure, and the source of your business funds.

What KYB covers:

  • Business registration and legal formation documents
  • Ownership and governance structure, including all Ultimate Beneficial Owners (UBOs) and Directors
  • Source of funds documentation
  • Proof of address for the entity
  • Individual KYC verification for all UBOs, Directors, and Control Persons

For the full document list and requirements by product, see Supported and prohibited countries.

Jurisdiction eligibility

Not all Reah products are available in every country. Eligibility varies by product:

  • The card program is supported in 51 countries globally, plus 44 US states
  • Virtual accounts have a separate eligibility list and are available in 150+ countries

Before onboarding, confirm your entity's jurisdiction is eligible for the products you need.

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📷 Diagram — Insert a diagram showing the compliance tiers or KYB verification flow.

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What you should know

  • KYB is skippable during account creation and can be started later from Overview → Tasks → KYB
  • Once onboarded, businesses are expected to:
    • Keep entity documentation current — update your Reah profile if ownership structure, directors, or registered address changes
    • Operate within the permitted use cases for your account type
    • Follow Reah's terms of service and acceptable use policies
  • Unusual activity may trigger a review, a request for additional documentation, or a temporary hold on specific actions
  • Reah uses a Sovereign AI Architecture — AI agents operate in isolated per-tenant environments. Your financial data is not pooled with other customers or exposed to shared model training

Regulatory notes

  • KYB/KYC verification follows standard financial compliance frameworks for business identity and beneficial ownership
  • Banking and card products are subject to jurisdiction-specific regulatory requirements
  • Reah monitors activity across the platform as part of standard financial compliance operations
  • For full country lists and restrictions, see Supported and prohibited countries

What you can do next

Still need help?

Reach out to Reah Support through the in-app chat or visit support.reah.com for more assistance.