---
title: "FATF 40 Recommendations — International AML/CFT Standards — KYE Protocol™ coverage"
description: "FATF 40 Recommendations — International AML/CFT Standards coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/fatf-40-recommendations/
lang: en
source: "KYE Protocol"
---

> FATF 40 Recommendations — International AML/CFT Standards coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

FATF 40 Recommendations — International AML/CFT Standards

# FATF 40 Recommendations — International AML/CFT Standards — 100% of in-scope requirements covered.

5 requirements · 5 in scope (5 enforced). The 100% is weighted over the in-scope base.

**Source:** The Financial Action Task Force (FATF) 40 Recommendations are the global authority anchor for anti-money-laundering and counter-terrorist-financing (AML/CFT). They require a risk-based approach (R.1), customer due diligence and beneficial-ownership identification (R.10), record-keeping (R.11), the FATF Travel Rule for wire transfers and virtual-asset transfers (R.16), and suspicious-transaction reporting to the financial intelligence unit (R.20). KYE Protocol™(TM) governs WHETHER an AI agent's AML action may proceed at the action boundary - alert triage, sanctions screening, SAR/STR drafting, KYC/CDD - under a named compliance officer's authority, with due diligence recorded before the action and replay-provable provenance, and section-36 two-person sign-off on consequential filings (SAR/STR). KYE™ does not run transaction-monitoring models, does not decide whether a transaction is truly money-laundering, and does not replace the institution's AML program. · **License:** The FATF Recommendations are published by the Financial Action Task Force; KYE™ registry cites their recommendation numbers for mapping purposes.

## By category

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| Risk-based approach | 1 | 1 | 0 | 0 | 0 | **100%** |
| Customer due diligence & beneficial ownership | 1 | 1 | 0 | 0 | 0 | **100%** |
| Record-keeping | 1 | 1 | 0 | 0 | 0 | **100%** |
| Travel Rule (wire / virtual-asset transfers) | 1 | 1 | 0 | 0 | 0 | **100%** |
| Suspicious transaction reporting | 1 | 1 | 0 | 0 | 0 | **100%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `fatf-40-recommendations.r1-risk-based-approach` | Risk-based approach (R.1): an AI AML action proceeds under a named-authority decision proportionate to assessed ML/TF risk | enforced | **rule\_packs**: `kye:rule-pack:aml-financial-crimes` **dictionaries**: `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md` |
| `fatf-40-recommendations.r10-customer-due-diligence` | Customer due diligence & beneficial ownership (R.10): CDD/KYC result recorded before an AI KYC/CDD action proceeds | enforced | **rule\_packs**: `kye:rule-pack:aml-financial-crimes` **dictionaries**: `internal` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md` |
| `fatf-40-recommendations.r11-record-keeping` | Record-keeping (R.11): a replay-provable provenance pin preserves the AI AML decision lineage | enforced | **rule\_packs**: `kye:rule-pack:aml-financial-crimes` **dictionaries**: `internal` **constitution\_refs**: `constitution/13-RESILIENCE-LOOP.md` |
| `fatf-40-recommendations.r16-travel-rule` | Travel Rule (R.16): originator/beneficiary data and counterparty VASP due diligence on wire / virtual-asset transfers | enforced | **rule\_packs**: `kye:rule-pack:travel-rule-fatf-r16`, `kye:rule-pack:aml-financial-crimes` **sector\_packs**: `kye:sector-pack:travel-rule-fatf-r16` **dictionaries**: `internal` **constitution\_refs**: `constitution/54-SECTOR-PACK-FOUNDRY.md` |
| `fatf-40-recommendations.r20-suspicious-transaction-reporting` | Suspicious transaction reporting (R.20): SAR/STR filing is the killer consequential action requiring section-36 two-person sign-off | enforced | **rule\_packs**: `kye:rule-pack:aml-financial-crimes` **constitution\_refs**: `constitution/36-GOVERNEDUI.md` |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).