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$DEX plans a risk-based Customer Due Diligence (CDD) framework. As of 9 Aug 2026, AUSTRAC / Australian VASP registration is paused and out of scope as IN$DEX's current compliance program — the tiers above describe design intent, not a claim of current regulatory approval in any jurisdiction. Company registration home is the Cook Islands; registration is in progress and not yet complete. Verification requirements are subject to change as jurisdiction and licensing are confirmed.
Compliance Roadmap
⚠️ Jurisdiction Update — 9 Aug 2026
Company registration home is now the Cook Islands. The Australian AUSTRAC/VASP path below is paused and is not IN$DEX's current compliance program. Cook Islands registration is in progress — nothing below should be read as a completed licence or approval.
AUSTRAC VASP Status — paused
Virtual Asset Service Provider enrollment submitted under the earlier Australian compliance path. Paused 9 Aug 2026 — see Jurisdiction Update above.
VASP application — pausedTravel Rule — pausedCO nominated — pausedAML program — being re-based
VASP registration (AAN 263945366) and RSP/remittance registration were submitted 17 Jul 2026 and were under AUSTRAC assessment. As of 9 Aug 2026, AUSTRAC / Australian VASP registration is out of scope as IN$DEX's current compliance program per founder jurisdiction lock — not being pursued as a live enrollment path.
Regulatory Scope
AUSTRAC (AML/CTF)Paused — out of scope
ASIC (financial services)Under review
OAIC (privacy)Privacy Policy published
eSafety CommissionerChild safety code in preparation
FATF Travel RulePaused — out of scope
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$DEX's company registration home is the Cook Islands; registration is in progress and not yet complete. INDX is a utility token — its classification as a financial product remains subject to review.
Consent Receipts
Every sensitive action creates a consent receipt — an authoritative record of what happened, who approved it, and how to appeal. Compliant with ISO/IEC TS 27560.
Example Receipt — illustrative only, not a real transaction
Sensitive Actions Requiring a Receipt
Consent receipts are planned to be retained for a minimum of 7 years, in line with standard AML/CTF record-keeping practice (not currently governed by an active AUSTRAC registration — see Compliance tab). Citizens may download their receipts at any time from Grid Account settings. Receipts are issued in machine-readable (JSON) and human-readable format. Standard: ISO/IEC TS 27560.
Human Review & Appeal
Automated detection is a safety stop, not a final decision. Every blocked or paused action can be reviewed by a human and appealed by the citizen.
Safe to Proceed Status
Every major action returns one of these statuses before it executes.
Appeal Process
External Escalation
If IN$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$DEX maintains an internal dispute resolution process. Timeframes are not guaranteed. Complex cases may require additional time. Citizens retain all legal rights. Human review does not constitute legal advice. Actions that are blocked for regulatory reasons may not be reversible regardless of appeal outcome.
What SIINDEX Will Never Do
These are IN$DEX's public, published doctrine commitments. There is no Decision Ledger backend yet, so the reference numbers below are static list positions for citation — not cryptographic verification hashes.
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.