Industries
Built around how UAE-regulated businesses actually operate.
Obligations are the same in law and different in practice. Where the risk sits, what the evidence looks like and what a supervisor asks for depend on the sector. ZLORYX starts from that.
Sectors
Seven sectors, one way of reading them.
For each sector: where the risk typically sits, what a programme has to answer, and which ZLORYX Platform modules available today support it. The rest of each answer is programme work — policies, controls and the firm’s own systems.
- Financial institutions Banks, exchange houses, finance companies, insurers Where the risk typically sits: Monitor
- Real estate Brokers, developers, property professionals Where the risk typically sits: Onboard
- Precious metals and stones Dealers, traders, refiners Where the risk typically sits: Transact
- Corporate and trust service providers Company formation, registered agents, trustees Where the risk typically sits: Onboard
- Accountants and auditors Audit, accounting and advisory firms Where the risk typically sits: Report
- Legal practitioners Law firms and notaries handling covered activities Where the risk typically sits: Report
- Virtual assets Virtual asset service providers Where the risk typically sits: Transact
Financial institutions
Banks, exchange houses, finance companies, insurers
High volumes, complex products and the fullest set of obligations — where programme design, monitoring and reporting have to work at scale.
Onboard
- Customer risk at onboarding
Transact
- Cross-border flows
Monitor
- Unusual activity
Report
- Regulatory reporting
What a programme has to answer
- How customer risk is rated at onboarding and re-rated over time
- How the firm’s own monitoring rules treat cross-border flows against expected activity
- How screening alerts become decisions, and decisions become records
Real estate
Brokers, developers, property professionals
High-value transactions, source-of-funds questions and cash exposure make customer due diligence the centre of the programme.
Onboard
- Source of funds and wealth
- Beneficial ownership of buyers
Transact
- Cash and third-party payments
Monitor
Report
- Transaction records
What a programme has to answer
- How the source of funds and wealth is established for high-value purchases
- How cash and third-party payments are identified and handled
- Who the beneficial owner of the buyer is
Platform modules available today
Precious metals and stones
Dealers, traders, refiners
High-value goods and rapid, international trade — where counterparty knowledge and transaction thresholds carry the weight.
Onboard
- Counterparty due diligence
Transact
- Cash thresholds
Monitor
Report
- Trade documentation
Sanctions exposure
What a programme has to answer
- Who the counterparty is, on both sides of a trade
- How cash thresholds are recognised and recorded
- How trade documentation supports each transaction
Platform modules available today
Corporate and trust service providers
Company formation, registered agents, trustees
Structures, nominees and beneficial ownership — the obligations sit in understanding who is behind each entity and why.
Onboard
- Ultimate beneficial owners
- Structure purpose and rationale
Transact
Monitor
- Changes after formation
Report
- Registers and records
What a programme has to answer
- Who is behind each structure and why it exists
- How ownership changes are captured after formation
- How registers and records are kept current
Platform modules available today
Accountants and auditors
Audit, accounting and advisory firms
Professional services with client-money and transaction visibility — proportionate controls that fit a firm, not a bank.
Onboard
- Client acceptance
- Engagement risk
Transact
Monitor
Report
- Reporting obligations
Firm-wide training
What a programme has to answer
- How clients are accepted and engagement risk is assessed
- When an obligation to report arises in the course of an engagement
- How the firm evidences training and awareness
Platform modules available today
Legal practitioners
Law firms and notaries handling covered activities
Real estate, company and asset transactions handled on behalf of clients bring specific obligations to the practice.
- Covered activities
Onboard
- Client due diligence
Transact
Monitor
Report
- Privilege and reporting
- Records
What a programme has to answer
- Which activities bring the practice within the framework
- How client due diligence is performed without breaching privilege
- How records are kept for covered transactions
Platform modules available today
Virtual assets
Virtual asset service providers
A fast-moving regulatory perimeter where screening, travel-rule readiness and monitoring have to keep pace with the product.
Onboard
- Wallets and counterparties
Transact
- Travel rule readiness
Monitor
- On-chain activity
Report
What a programme has to answer
- How counterparties are screened against the sanctions lists
- How the travel rule is prepared for
- Which tools the firm itself uses to follow wallet activity against the customer profile
Platform modules available today
The sectors listed are those the UAE AML / CFT / CPF framework reaches and ZLORYX is designed to serve; the exact obligations depend on your licence and supervisor.
Tell us which sector you are in.
The first conversation starts from your licence and activities. From there, the obligations — and the programme — follow.