Compliance
Institution onboarding charter
Governance for onboarding institutions under explicit jurisdictions, aligned with the multi-jurisdiction master plan (policy profiles, per-jurisdiction compliance matrices, RTGS/Rail evidence, URA). Counsel owns statutory interpretation — this charter defines roles, artifacts, and “complete” for program execution.
Definitions
- Institution
- Licensed or contracted participant (bank, CSD, treasury entity, program operator) using DBIS RTGS / Rail / URA artifacts.
- Jurisdiction
- Legal regime under which the institution operates for a given activity (may be multiple per institution).
- Policy profile
- Versioned ruleset referenced by
policyProfileIdon URA resources. - Complete (institution)
- All in-scope matrix rows implemented or explicitly waived with sign-off; URA resources carry non-placeholder evidence where policy requires.
RACI (summary)
| Activity | Responsible | Accountable | Consulted |
|---|---|---|---|
| Jurisdiction / law inventory | Compliance | Legal | Local counsel |
| Compliance matrix draft | Compliance | Legal | Risk, Product |
| Production gate sign-off | Program | Executive sponsor | Legal, Risk |
Exit criteria (program slice 1)
- Jurisdiction catalog lists in-scope jurisdictions and activities.
- Slice 1 scope freeze agreed and references RTGS E2E requirements matrix.
- At least one full jurisdiction matrix (Indonesia) plus training stubs.
- Policy profiles registered and validated in CI.
- Traceability doc links controls to matrices.
Legal tracks (do not conflate)
- Track A — Order capacity: SMOM charter capacity under Order law (GUOSMM, prohibited claims).
- Track B — Operational transactability: Banking, AML, correspondent, licensing gates for external counterparty interaction.