T338 · GENIUS Act · AML & Financial Crime · AP2 Export

GENIUS Act AML & Sanctions Program Scope Builder

Build the AML/BSA compliance program scope for permitted payment stablecoin issuers (PPSIs) per GENIUS Act §10 and the Treasury Department's April 2026 proposed AML/sanctions rule. Covers BSA financial institution registration, CIP/CDD requirements, transaction monitoring thresholds, OFAC sanctions screening, Travel Rule obligations ($3,000), and SAR filing triggers.

Effective Jan 18 2027 GENIUS Act §10 · BSA 31 USC §5318 FinCEN · OFAC · Travel Rule SAR · CIP · CDD Treasury Rule SB0435 (Apr 2026) Client-Side · Zero PII · CC BY 4.0

Apr 2026 Treasury proposed AML/sanctions rule for PPSIs (SB0435) ● Comment period

18 January 2027 GENIUS Act BSA/AML obligations effective for all PPSIs ● Compliance window

$3,000 Travel Rule threshold — originator/beneficiary data required ● FATF Rec. 16

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Step 01 Transaction Volume & Customer Profile

Monthly transaction volume (USD) Total USD value of stablecoin transactions processed per month

Average transaction size (USD) Used to determine Travel Rule applicability frequency

Retail customers (%) Individual / consumer accounts

Institutional customers (%) Businesses, funds, exchanges

Cross-border transactions (%) Transactions with non-US counterparties

Step 02 Blockchain Type & Analytics Infrastructure

Blockchain type

On-chain analytics vendor engaged?

Existing BSA/AML program in place?

OFAC screening currently performed?

Step 03 BSA Classification & Existing Registrations

Entity classification under BSA

FinCEN registration status

SAR filing capability in place?

Currency Transaction Report (CTR) filing?

AML / BSA Program Scope

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Program Scope Summary

CIP / CDD Required Components (GENIUS Act §10 · FinCEN Rule 31 CFR §1022)

Transaction Monitoring Rule Set

SAR Filing Trigger Matrix (31 CFR §1022.320)

Trigger category	Threshold	Filing deadline	Applicability

OFAC Sanctions Screening & Travel Rule Obligations

AP2 v1.0 · @ainumbers.co/genius-act-aml-sanctions-scope-v1

Regulatory Sources

[1]GENIUS Act §10 — AML/CFT obligations: PPSIs treated as financial institutions under BSA; FinCEN program requirements

[2]Bank Secrecy Act 31 USC §5318 — Program requirements for financial institutions: CIP, CDD, SAR, CTR, recordkeeping

[3]FinCEN Rule 31 CFR Part 1022 — Rules for money services businesses; MSB registration, SAR filing (§1022.320), CTR (§1022.310)

[4]Treasury proposed rule SB0435 (April 2026) — AML/CFT and sanctions program requirements for PPSIs; Travel Rule extension to stablecoin transactions

[5]OFAC 50 USC §1701 et seq (IEEPA) — Sanctions compliance obligations; SDN list screening requirements

[6]FATF Recommendation 16 (Travel Rule) — Originator and beneficiary information requirements for wire transfers ≥$3,000 (US implementation threshold)