Start with minimal verification where permitted. SIINDEX only asks for more when the law, your transfer limits, or your safety require it. Tap a tier to see what it unlocks.
IN$DEX operates a risk-based Customer Due Diligence (CDD) framework aligned with AUSTRAC's AML/CTF Act 2006. Verification requirements are subject to regulatory updates. VASPs are exempt from initial CDD for withdrawals below AUD 1,000 to self-hosted wallets where the citizen is not otherwise an IN$DEX customer (AUSTRAC Transitional Rules 2026). A 3-year transition period applies: March 2026 to March 2029.
Compliance Roadmap
AUSTRAC VASP Status
Virtual Asset Service Provider enrollment and obligations.
VASP enrolledTravel Rule activeCO appointedAML program active
VASP obligations active from 1 July 2026. Travel Rule applies to transfers triggering the AUD 1,000 threshold. Compliance Officer deadline: 29 July 2026.
Regulatory Scope
AUSTRAC (AML/CTF)Enrolled
ASIC (financial services)Under review
OAIC (privacy)Privacy Policy published
eSafety CommissionerChild safety code in preparation
FATF Travel RuleActive via TRISA
Nothing on this page constitutes legal or compliance advice. Regulatory status is subject to ongoing review. Citizens and partners should seek independent legal advice. IN$DEX is operated under Australian law. INDX is a utility token — its classification as a financial product is subject to review by ASIC.
Consent Receipts
Every sensitive action creates a consent receipt — an authoritative record of what happened, who approved it, and how to appeal. Compliant with ISO/IEC TS 27560.
Example Receipt
Sensitive Actions Requiring a Receipt
Consent receipts are retained for a minimum of 7 years per AUSTRAC AML/CTF requirements. Citizens may download their receipts at any time from Grid Account settings. Receipts are issued in machine-readable (JSON) and human-readable format. Standard: ISO/IEC TS 27560.
Human Review & Appeal
Automated detection is a safety stop, not a final decision. Every blocked or paused action can be reviewed by a human and appealed by the citizen.
Safe to Proceed Status
Every major action returns one of these statuses before it executes.
Appeal Process
External Escalation
If IN$DEX does not resolve your complaint within 10 business days, you may escalate to: AUSTRAC (AML/CTF) · OAIC (Privacy) · eSafety Commissioner (Online safety) · AFCA (if applicable) · Consumer Affairs (ACL) · ACCC (competition)
IN$DEX maintains an internal dispute resolution process. Timeframes are not guaranteed. Complex cases may require additional time. Citizens retain all legal rights. Human review does not constitute legal advice. Actions that are blocked for regulatory reasons may not be reversible regardless of appeal outcome.
What SIINDEX Will Never Do
These commitments are public, time-stamped, and logged to the Decision Ledger. Each is assigned a verification hash.
These commitments represent IN$DEX's design principles and operational doctrine. They are not a contractual guarantee enforceable in all jurisdictions. Citizens retain all rights under applicable consumer and privacy law. If you believe SIINDEX has violated any commitment, you may lodge a complaint through the Review & Appeal process.