User Management & KYC
Learn how to implement enterprise-grade user management, KYC verification, role-based access control, and compliance monitoring in blockchain tokenization platforms.
Who needs blockchain user management?
Enterprise-grade user management in asset tokenization is critical for:
- Financial institutions requiring strict KYC/AML compliance
- Fund managers managing accredited investor verification
- Real estate platforms handling property investor onboarding
- Compliance officers monitoring transaction patterns
- Platform administrators enforcing role-based permissions
Compliance Stats: The ATK user management system processes over 50,000 KYC verifications monthly with 99.7% accuracy, supporting 15+ global compliance frameworks including MiFID II, Reg D, and MAS regulations.
The user profile section within the asset tokenization kit serves as a centralized and dynamic control panel for managing individual user accounts, identities, and on-chain activities. It is designed to give platform administrators full visibility into each user's lifecycle, from account creation and wallet assignment to asset ownership and blockchain interactions enabling efficient user governance, compliance enforcement, and operational insight.
How does automated user onboarding work?
User profile architecture
Identity Management
Unified profiles linking off-chain identity with on-chain addresses
Access Control
Granular permissions with 50+ predefined role templates
Activity Tracking
Real-time monitoring of all user actions and transactions
Data Analytics
Behavioral analysis and risk scoring algorithms
The profile interface is divided into multiple functional tabs such as Details, Holdings, Latest Events, and Permissions, each providing focused data views and administrative controls.
User details and analytics
The Details tab displays comprehensive user information:
interface UserProfile {
// Identity
id: string;
displayName: string;
email: string;
phoneNumber?: string;
// Blockchain
walletAddress: `0x${string}`;
smartContractWallet?: `0x${string}`;
ens?: string;
// Compliance
kycStatus: 'PENDING' | 'VERIFIED' | 'REJECTED' | 'EXPIRED';
kycLevel: 'BASIC' | 'ENHANCED' | 'INSTITUTIONAL';
amlRiskScore: number; // 0-100
jurisdiction: string;
accreditationStatus?: 'VERIFIED' | 'PENDING' | 'N/A';
// Activity
createdAt: Date;
lastLoginAt: Date;
totalTransactions: number;
totalVolume: bigint;
activeAssets: number;
}Real-time analytics provide actionable insights:
Asset Distribution Chart
- Portfolio breakdown by asset class
- Concentration risk analysis
- Diversification scoring
Transaction Patterns
- Daily volume trends (30-day rolling)
- Peak activity hours
- Transaction type distribution
- Gas usage optimization
Behavioral Metrics
- Login frequency patterns
- Feature utilization rates
- Support ticket correlation
- Churn risk indicators
Automated risk scoring factors:
| Risk Factor | Weight | Data Points |
|---|---|---|
| Transaction Velocity | 25% | TX count, frequency, amounts |
| Counterparty Risk | 20% | Wallet interactions, known addresses |
| Geographic Risk | 15% | IP locations, jurisdiction changes |
| Behavioral Anomalies | 20% | Pattern deviations, unusual hours |
| Compliance Flags | 20% | Watchlist hits, media mentions |
Compliance Note: All user data is encrypted at rest using AES-256 and in transit using TLS 1.3. GDPR-compliant data retention policies are enforced automatically.
Role management and permissions
Understanding role hierarchy
The platform implements a hierarchical role system:
Configuring role permissions
Each role has granular permissions:
const rolePermissions = {
ADMIN: [
'user.create', 'user.update', 'user.delete',
'asset.create', 'asset.freeze', 'asset.burn',
'compliance.override', 'system.configure'
],
ISSUER: [
'asset.create', 'asset.mint', 'asset.configure',
'user.invite', 'reports.generate'
],
INVESTOR: [
'asset.view', 'asset.transfer', 'profile.update',
'transaction.create', 'reports.view'
]
};Implementing role changes
Role updates trigger automated workflows:
- Permission validation against current holdings
- Smart contract role update transaction
- Notification to user and compliance team
- Audit log entry with justification
- Access token refresh
Monitoring role usage
Track permission utilization:
- Most/least used permissions
- Role elevation requests
- Suspicious permission patterns
- Compliance violations
KYC verification workflow
User holdings management
The Holdings tab provides comprehensive asset visibility:
interface UserHolding {
asset: {
id: string;
name: string;
symbol: string;
type: 'BOND' | 'EQUITY' | 'FUND' | 'COMMODITY';
contractAddress: `0x${string}`;
};
balance: bigint;
valueUSD: number;
costBasis: number;
unrealizedPnL: number;
holderType: 'CREATOR' | 'PRIMARY' | 'SECONDARY';
status: 'ACTIVE' | 'LOCKED' | 'VESTING' | 'MATURED';
lastActivity: Date;
restrictions: {
transferable: boolean;
lockupUntil?: Date;
vestingSchedule?: VestingSchedule;
};
}Administrative actions available:
Asset Operations
- Force transfer (compliance override)
- Freeze/unfreeze holdings
- Adjust balances (error correction)
- Apply transfer restrictions
Reporting Features
- Generate tax reports (1099-B, K-1)
- Export portfolio statements
- Calculate cost basis (FIFO/LIFO)
- Track corporate actions
Advanced analytics for holdings:
Performance Metrics
- Time-weighted returns (TWR)
- Money-weighted returns (MWR)
- Sharpe ratio calculation
- Maximum drawdown analysis
Risk Analysis
- Concentration risk scores
- Correlation matrices
- Value at Risk (VaR)
- Stress test scenarios
Events audit trail
Integration with external systems
CRM Integration
Sync with Salesforce, HubSpot, or custom CRM systems
Compliance APIs
Real-time screening with Chainalysis, Elliptic, ComplyAdvantage
Identity Providers
SSO with Auth0, Okta, Azure AD, or custom SAML
Analytics Platforms
Export to Tableau, PowerBI, or custom data warehouses
Configure webhook endpoints
// Webhook configuration
const webhookConfig = {
endpoint: 'https://your-system.com/webhooks',
events: ['user.created', 'kyc.completed', 'transaction.executed'],
authentication: {
type: 'HMAC',
secret: process.env.WEBHOOK_SECRET
},
retry: {
attempts: 3,
backoff: 'exponential'
}
};Map data fields
Create field mappings between systems:
- User ID correlation
- Custom attribute sync
- Status translations
- Timezone conversions
Test integration
Validation checklist:
- ✓ Webhook delivery confirmation
- ✓ Data integrity verification
- ✓ Error handling scenarios
- ✓ Performance benchmarks
Best practices for user management
Security Best Practices
- Enable 2FA for all admin accounts
- Implement IP whitelisting for sensitive operations
- Use role-based access control (RBAC) consistently
- Regular security audits (quarterly minimum)
- Automated anomaly detection with ML models
Compliance Requirements
- Maintain audit logs for 7+ years
- Implement data residency controls
- Regular compliance training for admins
- Automated sanctions screening (daily)
- Privacy-preserving analytics only
Performance optimization
Implement multi-layer caching:
// Redis caching for user data
const cacheConfig = {
userProfile: { ttl: 300 }, // 5 minutes
holdings: { ttl: 60 }, // 1 minute
permissions: { ttl: 600 }, // 10 minutes
kycStatus: { ttl: 3600 } // 1 hour
};Critical indexes for performance:
-- User search optimization
CREATE INDEX idx_users_email ON users(email);
CREATE INDEX idx_users_wallet ON users(wallet_address);
CREATE INDEX idx_users_kyc_status ON users(kyc_status);
-- Event log optimization
CREATE INDEX idx_events_user_date ON events(user_id, created_at DESC);
CREATE INDEX idx_events_type ON events(event_type);Efficient data loading:
// Cursor-based pagination
const getUsers = async (cursor?: string, limit = 50) => {
return await db.users.findMany({
take: limit,
skip: cursor ? 1 : 0,
cursor: cursor ? { id: cursor } : undefined,
orderBy: { createdAt: 'desc' }
});
};Troubleshooting common issues
Enterprise deployment considerations
Scalability
Supports 1M+ users with proper infrastructure
Security
SOC 2 Type II compliant architecture
Data Privacy
GDPR, CCPA, and LGPD compliant
Monitoring
Real-time dashboards and alerting
Need Help? Contact SettleMint support at [email protected] for:
- Custom KYC provider integration
- Advanced compliance workflows
- Performance optimization consulting
- Security audit assistance
Signup & Login
Enterprise-grade authentication setup for digital asset platforms - implement secure user onboarding, wallet creation, and multi-factor authentication for tokenization applications
Asset Designer
Create regulated digital assets in minutes without coding. Visual interface for launching bonds, stablecoins, tokenized funds, and securities. Used by 500+ financial institutions.