Open for implementation work

New compliance rules, working in your product.

Your lawyers tell you what the law requires. I make it work in your app, with proof for your auditor, and your customers still get through sign-up.

Book a 30-min call → Try the free tool
KYCKYBKYTTravel RuleMiCADAC8AMLR
How it works
  1. You have a new rule

    From the law or your compliance team.

  2. I build it into your product

    Screens, settings and tests, without losing customers.

  3. You can prove it

    Every check is saved for your auditor.

01The gap

Your policy says what. Your engineers need to know how.

Lawyers and compliance decide the rules. Engineers need clear tasks. I turn one into the other and see it through.

Legal01
Lawyers and compliance
Decide the rules and sign them.
signed policy →
Me, in between02
Mariusz
Turns the policy into clear tasks for your team.
clear tasks →
Engineering03
Your engineers
Build it.
working product →
Audit04
Your auditor
Checks the proof.
← proof
What you have todayA 38-page policy

“The Company shall ensure that transfers of crypto-assets to self-hosted addresses are subject to appropriate measures to establish that the address is owned or controlled by the customer, where the amount exceeds EUR 1,000.”

Approved by compliance. Nobody in product owns it yet.

What your team gets4 clear tasks
Task 1Spot a private wallet when the customer types the addressReady
Task 2Ask them to prove it is theirs, only from €1,000Ready
Task 3Turn on the wallet check at your Travel Rule providerReady
Task 4Save each check so you can show it to an auditorReady

Example: Travel Rule for crypto withdrawals

02What I build

The six projects I do most often.

Pick yours. Each one ends live in your product, with proof for your auditor.

KYC01 / 06

A second identity check provider, picked by country, with a backup if one fails.

✓The right provider for each country and document
✓Automatic switch to the backup
✓See where people drop off, without asking engineers
Done before at UR · Sumsub, ReadIDThis is us →
KYB02 / 06

Business accounts that ask for directors and owners once, not three times.

✓Find the company and who owns it
✓A verification link for each person
✓One review list for your compliance team
Done before at UR · B2B and B2B2CThis is us →
KYT03 / 06

Crypto transfers checked for risk, with clear next steps when one looks wrong.

✓Risk limits agreed with compliance
✓Clear messages when a transfer is on hold
✓Every alert has an owner and a deadline
Done before at UR · crypto transfersThis is us →
Travel Rule04 / 06

Sender and receiver details on every crypto transfer, in 6 screens.

✓Receiver details asked at withdrawal
✓Proof of wallet ownership from €1,000
✓A backup plan when the other side does not reply
Done before at UR · (EU) 2023/1113This is us →
MiCA · AMLR · DAC805 / 06

New EU rules added to sign-up and payments before they start.

✓MiCA risk warnings, with a record that customers accepted
✓DAC8 tax details at sign-up, and a way to collect them from existing customers
✓AMLR changes ready before July 2027
EU · dates tracked in the free toolThis is us →
New market06 / 06

Sign-up for a new country, under the licence or partner you already have.

✓Local ID documents and language
✓Local legal texts
✓Provider settings for that country
EU · UK · CH · USThis is us →
03Example

One rule, from the law to the proof.

Every rule gets a line like this. When an auditor asks, you show it.

Travel Rule·Crypto sent to a private wallet, €1,000 or more Illustrative
04Done before

I have done this inside a regulated product.

I ran sign-up and compliance at UR, with a team supervised by the Swiss regulator FINMA. Before that, product at Mantle.

$1.5B

Held in mETH Protocol at Mantle, which I worked on. I also moved the BIT token to MNT with exchanges.

12 years

In product. Head of Product earlier, at QZ Solutions.

193 sets of rules

Mapped in my free tool, across 71 countries and regions.

Case · UR2025–2026

Product manager, sign-up and compliance

01Ran identity checks for people and companies, turning the rules into product.
02Added Sumsub and ReadID, crypto transfer checks and the Travel Rule.
03Got customers to their first transaction faster, with the same compliance.
04Built an AI tool that shows where sign-ups drop off, without asking engineers.
Mario owned some of the most complex areas of our fintech and compliance product stack.
Ng Ying ZhongChief Product Officer, UR · reference on request
05Prices

Start small. Keep the plan either way.

Four ways to work together. Most clients start with the two-week review.

00 · Freeself-serve

Regulatory Terminal

Ask which rules apply in which country. Every answer links to its source. Also works in Claude.

0 EUR
Start here
01 · Entry2 weeks

Two-week review

I compare your rules with your product: what is missing, where you lose customers, and a plan with cost.

5,000–10,000 EUR
02 · Projectfixed scope

Build project

One area, built end to end: Travel Rule, identity checks, business accounts, DAC8 or a new country.

20,000–60,000 EUR
03 · Ongoing2–4 days a week

Product lead on your team

I run the work, the providers and the audit proof until you hire someone.

600–1,000 EUR / day

Estimates. The price is fixed after the first call, before any work starts.

06Free tool

Check what applies before we talk.

The Regulatory Terminal tells you which rules apply to you and where. Every answer has a source. No sign-up.

terminal.szyma.co/ask
?What does MiCA require from onboarding?
01

MiCA itself sets conduct and disclosure duties, such as risk warnings. ◐ MiCA Art. 66

02

Customer due diligence at onboarding comes from AML law, not MiCA. ◐ 2015/849 Art. 13

03

Every crypto transfer needs Travel Rule data. ● 2023/1113 Art. 14

04

BaFin guidance on video identification for CASPs: we do not have this yet. ∅ No source

71 countries and regions · 193 sets of rules Open the terminal →
07FAQ

Questions people ask.

Short version: I am not a lawyer, and I work with your compliance team, not instead of it.

No. Your lawyers and your compliance team decide what the requirements are and approve them. I implement them in the product, and I flag where a requirement is unclear so they can rule on it.

With it. Your compliance officer stays the owner of the policy and signs off every product rule. They can see each rule next to its screen, setting and test.

No, that is a question for a law firm. The free tool shows which rules exist and what they say, with sources, so that talk is shorter.

I have implemented Sumsub and ReadID, plus KYT and Travel Rule providers. I take no commissions from providers, so I recommend the one that fits your product.

Week one: I read your rules, go through your app and talk to compliance, product and engineering. Week two: what is missing, where you may lose customers, and a plan with providers, time and cost.

08Contact

Tell me what you need to build.

A short form, no account. I read every message and reply within one working day.

Or email mariusz@szyma.co