KYCa vs KYCb – when and why

A dual compliance framework for institutional-grade onboarding.

OLTA distinguishes between two levels of Know Your Customer (KYC) procedures to balance regulatory alignment with user accessibility:

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KYCa — “Access-Level KYC”

This is the standard procedure required to interact with the OLTA protocol, such as depositing into or redeeming from index funds. It includes:

• Wallet signature and basic identity check

• Sanctions screening and address risk scoring

• Jurisdiction filter (blocklist-based)

This layer ensures that users interacting with OLTA are not subject to sanctions or blacklisted jurisdictions, in line with global AML/CFT standards.

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KYCb — “Benefit-Level KYC”

This enhanced verification is only required for users who wish to access additional benefits, such as:

• Participating in governance votes

• Receiving staking or liquidity rewards

• Accessing airdrops or protocol grants

KYCb may require full identity documentation (ID, proof of address) and is handled through an external compliance provider integrated into the platform.

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Why Two Levels?

This dual-layer KYC structure helps OLTA remain regulatory-ready without compromising the accessibility of DeFi features. KYCa guarantees protocol integrity and legal defensibility. KYCb unlocks advanced participation rights while protecting the platform from regulatory liabilities.