System positioning and regulatory adaptation
eDon™ It is a transaction monitoring (Transaction Monitoring) platform for financial institutions and licensed entities.，The core goal is to make "risk identification - investigation and evidence collection - regulatory submission - review and optimization" auditable、Quantifiable、Sustainable iterative process system。
Applicable institutions include：Hong Kong MSO、Virtual asset service provider、payment institution、Cross-border settlement platform、OTC and high-risk merchant acquiring entities。The system can be used with account opening KYC、List screening、customer ratings、Case management linkage，Form an end-to-end AML/CFT control chain。
If you plan payment and digital asset business at the same time，Can be combined Payment Gateway (PSP) Compliance、Hong Kong VASP License and VASP/FinTech Compliance Serve，Achieve parallel advancement of system and license compliance。
Alarm、case、Disposal records and STR materials can directly map regulatory inquiry standards，Reduce temporary supplementary materials。
Pass customer tiering thresholds、Scenario-based rules and historical feedback training，Gradually reduce the proportion of invalid alarms。
Rule version、manual review、Traces are left throughout the entire chain of approval flow and conclusion evidence，Support internal and external audits。
Smoothly expands from MSO scenario to VASP、PSP or multi-jurisdictional business model。
Core functional architecture
eDon TM recommends using “Data layer - detection layer - investigation layer - governance layer"Four-tier architecture：
1) data layer：Access transaction flow、Customer portrait、Equipment and IP、Counterparty information、List screening results。
2) detection layer：Rule engine (threshold/frequency/pattern) + scoring model (behavior deviation/relationship network/timing anomaly)。
3) investigation layer：Case assignment、Graded disposal、Certificate supplement list、Management review、Suspicious transaction reporting materials。
4) Governance：Rule versioning、Hit rate and false alarm rate monitoring、Parameter tuning、Model validation and annual lookback。
In terms of customer risk pre-positioning，Suggestions and financial risk assessment system and Hong Kong Xintong AML/CRM Compliance System Linkage，Ensure that high-risk customers enter a stricter monitoring track。
Support split transactions、short time high frequency、Closed loop reflow、Unusual geographic migration、Typical risk scenarios such as sudden surges at night。
By customer type、Trading products、Dynamically set monitoring thresholds by region and historical behavior，rather than one size fits all。
T+0/T+1 case time limit and upgrade path can be set，Ensure priority handling of high-risk events。
Output alarms by day/week/month、case、Disposal efficiency、Residual risk and regulatory reporting status。
Implementation process and delivery standards
Sort out the business model、Licensing requirements、Historical alarms and regulatory concerns，Define monitoring boundaries。
Complete field dictionary、Data quality check、Unification of customer and transaction primary keys。
Deploy basic rules and high-risk scenario rules in batches，Set initial thresholds and tiering strategies。
Run 4-8 week parallel period，hit rate、False alarm rate、Calibrate for risk of false negatives。
Establish investigation SOP、Approval and submission template，Form a reusable evidence chain。
Optimize rules by quarter，Complete model retrospective verification and audit data archiving on an annual basis。
If the organization is involved in business development in the United States or other regions，Can be referenced 2026The US MSB license just applied for，Experience sharing and US MSB license regulatory practices，Turn transaction monitoring strategies into multi-jurisdiction compatible templates。
Cost and Budget Reference
The service fees are subject to applicable jurisdiction、Business scope、Main structure、Data complexity and delivery schedule assessment；Involving government fees，The latest fees announced by the corresponding regulatory agency shall prevail.。
hint：When an organization introduces eDon TM，It is recommended to synchronize and improve Customized compliance documents and data governance mechanisms，To avoid the audit gap of "the system is online but the system is not closed loop"。
Rules and Case Closed Loop of Transaction Monitoring System
Transaction monitoring should be driven by risk assessment，Override rules、threshold、scene、manual judgment、Reporting and continuous optimization。Simply setting an amount threshold cannot replace risk-based monitoring.。
- by customer、product、nation、channel、frequency、Speed and correlation design risk scenarios。
- Record rule version、threshold basis、Model testing、False alarm rate and reasons for manual adjustments。
- Create alarm classification、investigation、Supplementary information、upgrade、Reporting and closing case process。
- Regularly backtest with known risks and historical cases，And have the effect reviewed by independent personnel。
Official verification：FATF recommendations。Specific obligations must be combined with the subject、business、Customer location and latest regulatory confirmation。
FAQ：5 issues that companies are most concerned about
cannot。Systems are used to amplify team capabilities and standardize processes，critical judgment、Upgrade decision-making and regulatory communication still need to be led by the compliance officer。
Prioritize customer stratification and rule classification，Then adjust parameters through feedback during the parallel period.。Usually 1-2 quarters can significantly improve false positive performance。
Look at rule interpretability、Alarm handling evidence chain、Model backtest verification、Management oversight records，And whether the system is consistent with the system。
support。It is recommended to combine personal information classification、Minimize collection、Access control and log retention，Refer to https://Governance framework of www.gxt-hk.com/personal-data-protection/。
high trading volume、High cross-border ratio、Institutions with high cash flow complexity or during regulatory rectification period，Deployment should be prioritized and a monthly governance mechanism should be established。
