Protocol
Identity & Compliance
KYA (Know Your Agent/Asset) credential system built on W3C DID + Verifiable Credentials — proving compliance without revealing underlying data via zero-knowledge proofs.
Key figures
How it works
From identity verification to zero-knowledge proof.
Entity onboarding
Borrower entity submits KYC documents — companies registry verification, beneficial ownership disclosure, OFAC screening — through Caviar's credentialing system.
Verifiable credential issuance
Upon verification, entity receives W3C Verifiable Credentials: KYC status, beneficial ownership, OFAC clearance, and payment history — bound to their DID.
ZK proof generation
When transacting, entity generates a zero-knowledge proof: "this VC was issued by Caviar, entity meets criteria, VC has not expired" — without revealing underlying data.
On-chain verification
Counterparties verify the ZK proof on-chain in under 5ms. Compliance proven cryptographically. No data shared, no privacy compromise, full regulatory satisfaction.
Capabilities
Compliance without compromise.
ZK-KYC proofs
Prove KYC completion, jurisdiction eligibility, and accredited investor status without revealing any personal or corporate data to counterparties.
OFAC screening oracle
Daily SDN list updates feed into a ZK AML proof circuit. Proves not-on-list status without revealing the identity being screened. Fully automated.
BIS Entity List hard-block
Electronics archetype requires export control compliance. SMIC and other restricted entities are hard-blocked at the protocol level — no override possible.
Beneficial ownership verification
Companies registry APIs (CAC Nigeria, ACRA Singapore, ADGM, KRA Kenya) verify beneficial ownership. ZK proof confirms verification without disclosing ownership structure.
Payment history proofs
Encrypted credit proof circuit proves borrower meets payment history threshold without disclosing financial details. Enables data-driven pricing with full privacy.
Cross-border credential portability
KYA credentials issued in Singapore are verifiable in DIFC, Kenya, and all other corridors. One verification, global portability, zero re-onboarding friction.
Comparison
Traditional vs. Caviar
| Traditional | Caviar | |
|---|---|---|
| KYC process | Weeks of paperwork per jurisdiction | Hours with portable KYA credentials |
| Data privacy | Full disclosure to every counterparty | Zero-knowledge proofs — prove without revealing |
| Cross-border portability | Re-onboard in every new jurisdiction | One credential, 7 corridors |
| Sanctions screening | Manual checks, delayed updates | Automated oracle, daily updates, ZK proof |
Use cases
Real-world applications
Vietnamese SME onboarding
Tier-2 electronics supplier verified once in Singapore corridor. KYA credential portable across all Caviar corridors. No re-onboarding when expanding to DIFC.
DRC conflict minerals compliance
OECD Due Diligence certification verified via ZK proof. Cobalt and copper sourcing proven conflict-free without revealing supply chain details to competitors.
Cross-corridor credit portability
Nigerian oil producer with 24-month clean payment history on Caviar proves creditworthiness to Gulf counterparties via encrypted credit proof — no financials shared.
Prove compliance without compromise.
One KYA credential. Seven corridors. Zero data exposure. Full regulatory satisfaction.