Circle Internet Financial
USDC Token Contract · Merchant or payment processor · circle · public attribution
Circle Internet Financial scores 4.9 of 10 (medium risk) as a counterparty, driven mainly by kyc and aml rigour (45.9% of the score). It is registered in United States, authorised by United States payments registry, and applies standard identity checks. Operational footprint covers United States, France, Singapore.
Due-diligence pillars
Four pillars are scored 0-10 and combined with fixed weights (licensing 35%, jurisdiction 25%, kyc_aml 30%, operational 10%). The result is on the same 0-10 scale as a wallet score so the two can be compared, but it measures the counterparty's controls, not its transaction history.
- Registered with United States payments registry but not licensed, so supervision is limited to a register entry. (+4.0)
- The authorisation is claimed but not verifiable against a strong supervisor's register, so it is not yet evidence of a control. (+2.0)
- Incorporated in United States, which carries a jurisdiction risk of 1 of 10 in this model. (+1.0)
- Identity is verified, but only above a withdrawal threshold and without enhanced due diligence. The verification threshold is $1,000. (+3.5)
- Transaction monitoring exists but is rule-based and incomplete. (+2.5)
- Travel Rule information is transmitted for some corridors only. (+1.5)
- Holds customer funds, so it is the party a Travel Rule request or a freeze order is served on. (0.0)
- Only 1 address(es) are attributed to this entity, so its on-chain behaviour is barely observable and exposure to it may be under-counted. (+1.0)
Registration
| Status | registered |
|---|---|
| Regulator | United States payments registry |
| Evidence | claimed |
| Reference | US-BDA100E5 |
| MiCA | transitional |
Jurisdiction
| Incorporated in | United States (US) |
|---|---|
| Operational hubs | US, FR, SG |
| FATF grey list | no |
| Offshore secrecy | no |
KYC and AML
| KYC rigour | standard |
|---|---|
| Withdrawal KYC threshold | $1,000 |
| Transaction monitoring | developing |
| Travel Rule | partial |
| Sanctions screening | yes |
| Source-of-funds checks | yes |
Operational integrity
| Custody model | custodial |
|---|---|
| Founded | 2013 |
| Chains | ETH |
| Clustered addresses | 1 |
The regulatory file is seeded, not sourced from a register. Licence references and dates are fabricated for demonstration and must never be relied on for a real onboarding decision.