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We're now in beta — first live: verified issuers and their registered, independently verifiable shareholder certificates. The full marketplace is rolling out next. Thanks for being here early!
STOC uses a four-level access model designed to align with regulatory requirements while giving every type of investor the right level of access. Each access level unlocks progressively more investment opportunities.
Everyone
Any visitor to the STOC platform — no account required to browse.
Verification requirement:None — no KYC required.
Individual investors
Individual retail investors seeking to invest in tokenized real-world assets.
Verification requirement:Standard identity verification via a third-party identity provider (vendor selection in progress).
High-net-worth investors
Investors with net worth ≥ $1M USD (excl. primary residence) or annual income ≥ $200K USD (last 2 years).
Verification requirement:Accredited Investor declaration plus supporting financial evidence.
Corporate entities & funds
Registered corporate entities, family offices, hedge funds, and licensed financial institutions.
Verification requirement:Full entity verification including director KYC and audited financials.
| Feature | Access level 1 | Access level 2 | Access level 3 | Access level 4 |
|---|---|---|---|---|
| Browse marketplace | ✓ | ✓ | ✓ | ✓ |
| Buy tokenized assets | — | ✓ | ✓ | ✓ |
| Secondary market trading | — | ✓ | ✓ | ✓ |
| Private credit / mezzanine | — | — | ✓ | ✓ |
| Institutional-only deals | — | — | — | ✓ |
| OTC block trades | — | — | — | ✓ |
| Max per-asset cap | — | $50,000 | $500,000 | Unlimited |
| KYC refresh cycle | n/a | Every 24 months | Every 12 months | Every 12 months + event-driven |
| Processing time | Instant | ~5 min | 2–3 days | 5–10 days |
| Fee | Free | Free | Free | Free* |
* Access level 4 manual review may incur due-diligence fees depending on entity complexity — quoted case-by-case before onboarding.
United States
SEC Rule 501 (Reg D)
Net worth ≥ $1M USD (excl. primary residence) OR annual income ≥ $200K USD (last 2 years).
Vietnam
Local professional-investor definition
Professional securities investor — assets ≥ 2 tỷ VND OR taxable income ≥ 1 tỷ VND for prior 12 months.
South Korea
Capital Markets Act §9 / 전문투자자
Financial assets ≥ ₩500M OR annual income ≥ ₩100M; qualifying period 1+ year of investment activity.
European Union
MiFID II Annex II
Per-se professional client (regulated entity) OR elective: 2 of 3 — €500K portfolio, qualifying work experience, frequent trading.
Singapore
SFA §4A — Accredited Investor
Net personal assets > S$2M (max S$1M in primary residence) OR annual income > S$300K.
United Kingdom
FSMA / FCA COBS 4.12
High-net-worth: income ≥ £170K or net assets ≥ £430K (excl. primary residence, pensions).
The onboarding pipeline is designed to screen every Access level 2+ applicant against the following watchlists once live. Hits would trigger manual review before onboarding can proceed.
OFAC SDN list
US Treasury — sanctioned individuals & entities
EU Consolidated Sanctions List
EU Council restrictive measures
UN Security Council Consolidated List
UN ISIL (Da'esh) & Al-Qaida + others
UK HM Treasury Sanctions
OFSI consolidated list
Politically Exposed Persons (PEP)
Domestic + foreign PEPs, plus family & close associates
Adverse Media
Negative news monitoring across 35K+ sources
Screening provider: third-party vendor (selection in progress) — pipeline designed for continuous refresh aligned with FATF Rec. 10 & 16.
Scheduled refresh
Event-driven triggers
You will receive an in-app + email notice 30 days before refresh is due. Failing to refresh suspends trading until you re-verify (browsing remains available).
KYC documents will be encrypted at rest (AES-256) and processed by a third-party identity-verification vendor (vendor selection in progress; target: a provider holding recognised information-security certifications such as ISO 27001 and SOC 2 Type II). STOC plans to store only the verification result and a cryptographic hash — never plain-text document copies.
KYC for Access levels 1–3 is fully covered by STOC — no charge to the user. Access level 4 entity onboarding may incur a due-diligence fee depending on group structure complexity (typically $0 – $2,500 USD); this is always quoted in writing before any work begins.
Onboarding is designed to exclude residents of jurisdictions subject to comprehensive sanctions or on the FATF black list. The reference list at the link below is intended to be updated within 24 hours of any official change once the onboarding flow is live.
Required by internationally recognised anti-money-laundering standards (e.g. FATF Recommendations) and equivalent local frameworks in the jurisdictions where the platform is offered, to verify you are the real owner of the account and not a sanctioned person.
No. KYC data will be shared only with the third-party identity-verification vendor that processes the check (vendor selection in progress) and disclosed to authorities only under valid legal order. We never sell to advertisers or data brokers.
Yes. You can close your account anytime. KYC records are retained for 5 years (FATF Rec. 11 regulatory minimum) and then permanently erased.
Yes — see § 4. You will be notified 30 days before refresh is due. Failing to refresh suspends trading but not browsing.
Yes. From Account → Verification, click Upgrade and submit the additional financial evidence. No need to redo Access level 2 KYC.
Yes. Access level 1 (browsing) is always available. Investment features unlock once verification succeeds.
Reference list of internationally recognised frameworks the platform's controls are designed to align with. STOC is not currently registered or licensed under any of these regimes; registration would be pursued where required in the jurisdictions the platform operates in.
Alpha phase notice — this page reflects the intended compliance framework. STO Chain mainnet is already live; this dashboard is part of the STOC RWA Marketplace, which is in alpha. During alpha, KYC is not enforced and any account may explore the dashboard for testing. The full verification flow goes live with the STOC RWA Marketplace production launch.
Start with Access level 2 — takes about 5 minutes and unlocks access to 200+ tokenized assets.
Need help? Email supportstochain@gmail.com