111 lines
3.7 KiB
Plaintext
111 lines
3.7 KiB
Plaintext
// NAC 全球通用宪法规则（GLOBAL）
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// 适用于所有 60+ 司法辖区的基础合规规则
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// CBPP原则：约法即是治法，宪法即是规则，参与即是共识，节点产生区块，交易决定区块大小
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// 版本：v1.0 | 生效日期：2026-01-01
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jurisdiction GLOBAL {
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name: "全球通用基础规则"
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tier: 0 // Tier 0 = 基础层，所有辖区继承
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authority: "NAC宪法委员会（各辖区授权CA联合签署）"
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// ===== AML 反洗钱基线规则 =====
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rule GLOBAL_AML_001 {
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name: "全球反洗钱基线"
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basis: "FATF 40项建议（2023版）"
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applies_to: ALL_JURISDICTIONS
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// 交易金额阈值（等值美元）
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threshold_kyc_required: 1000 // 超过1000美元须KYC
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threshold_report_required: 10000 // 超过10000美元须申报
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threshold_enhanced_dd: 50000 // 超过50000美元须增强尽调
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// 禁止交易方（OFAC/UN制裁名单）
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sanctions_check: REQUIRED
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sanctions_lists: ["OFAC_SDN", "UN_CONSOLIDATED", "EU_SANCTIONS"]
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// 可疑交易报告
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str_required: true
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str_threshold_days: 3 // 3个工作日内申报
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// CBPP执行：违反AML规则的交易，CEE拒绝出具CR
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enforcement: "CEE_REJECT_CR"
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}
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// ===== KYC 身份验证基线规则 =====
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rule GLOBAL_KYC_001 {
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name: "全球KYC基线"
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basis: "FATF客户尽职调查指引"
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applies_to: ALL_JURISDICTIONS
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// KYC等级定义
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level_basic {
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required_docs: ["GOVERNMENT_ID", "PROOF_OF_ADDRESS"]
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tx_limit_daily: 10000 // 美元等值
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tx_limit_monthly: 50000
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}
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level_enhanced {
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required_docs: ["GOVERNMENT_ID", "PROOF_OF_ADDRESS", "SOURCE_OF_FUNDS", "BANK_STATEMENT"]
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tx_limit_daily: 100000
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tx_limit_monthly: 500000
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}
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level_institutional {
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required_docs: ["CORPORATE_REGISTRATION", "BENEFICIAL_OWNER", "AUDITED_FINANCIALS", "REGULATORY_LICENSE"]
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tx_limit_daily: UNLIMITED
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tx_limit_monthly: UNLIMITED
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}
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// PEP（政治公众人物）增强尽调
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pep_enhanced_dd: REQUIRED
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// CBPP执行：未通过KYC的地址，CEE拒绝出具CR
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enforcement: "CEE_REJECT_CR"
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}
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// ===== RWA 资产通证化基线规则 =====
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rule GLOBAL_RWA_001 {
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name: "RWA资产通证化基线"
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basis: "NAC ACC-20协议"
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applies_to: ALL_JURISDICTIONS
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// 资产类别（ACC-20 GNACS分类）
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asset_classes: [
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"REAL_ESTATE", // 房地产
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"EQUITY", // 股权
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"DEBT", // 债权
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"COMMODITY", // 大宗商品
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"FUND", // 基金份额
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"IP_RIGHTS", // 知识产权
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"CARBON_CREDIT", // 碳信用
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"INFRASTRUCTURE" // 基础设施
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]
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// 资产证明要求
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asset_proof: {
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ownership_doc: REQUIRED // 所有权证明
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valuation_report: REQUIRED // 估值报告（AI估值或第三方）
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legal_opinion: REQUIRED // 法律意见书
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jurisdiction_approval: REQUIRED // 辖区监管机构批准
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}
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// CBPP执行：未完成资产证明的通证化交易，CEE拒绝出具CR
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enforcement: "CEE_REJECT_CR"
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}
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// ===== 数据隐私基线规则 =====
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rule GLOBAL_PRIVACY_001 {
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name: "数据隐私基线"
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basis: "OECD隐私原则"
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applies_to: ALL_JURISDICTIONS
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// 链上数据最小化原则
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on_chain_data: "HASH_ONLY" // 链上只存哈希，原始数据存链下
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off_chain_storage: "ENCRYPTED" // 链下数据加密存储
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data_retention_years: 7 // 保留7年（满足大多数司法辖区要求）
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// 跨境数据传输
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cross_border_transfer: "JURISDICTION_CONSENT_REQUIRED"
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enforcement: "CEE_REJECT_CR"
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}
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}
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