Touchstone · 916.6 · DXB
Assay · UAE AML Compliance for Regulated Sectors

Your UAE licence quietly made you a money-laundering gatekeeper.We built the kit that handles it.

Federal Decree-Law 10 of 2025 turns whole categories of UAE business — precious-metals dealers, real-estate brokers, corporate service providers, accountants — into Designated Non-Financial Businesses the day they're licensed. Policies, a registered MLRO, goAML enrolment, customer due diligence and staff training are all required before your first qualifying transaction. Most owners only find out when the bank or the auditor asks.

Federal Decree-Law 10 of 2025 Cabinet Resolution 134 of 2025 goAML / UAE FIU Ministry of Economy & Tourism

Assay — inspection-ready AML compliance kits, built for each of UAE's regulated sectors.

Sector kits

Find your sector. The framework is shared; the rulebook isn't. Pick yours.

Sector 01 · Live

Precious Metals & Stones

Gold, diamond & jewellery dealers.

Available now
Get the kit
Sector 02 · Live

Real Estate

Brokers & agents.

Available now
Get the kit
Sector 03 · Coming

Corporate Service Providers (TCSP)

Company formation & trust / company service providers.

Coming
Notify me
Sector 04 · Coming

Accountants & Auditors

Audit, accountancy & tax-advisory firms.

Coming
Notify me
§ 01 · The Leopard

What your licence paperwork doesn't tell you.

The day a UAE authority issues your trade licence, federal AML obligations under Federal Decree-Law 10 of 2025 attach immediately. If your activity is a Designated Non-Financial Business, the Ministry of Economy & Tourism expects you to have:

  • A written AML/CFT Policy & Procedures Manual, approved by senior management
  • A registered MLRO (Money Laundering Reporting Officer) with the seniority to actually stop a transaction
  • Active registration on the goAML reporting portal
  • KYC and Enhanced Due Diligence procedures for your customers and counterparties
  • A documented business-wide risk assessment, reviewed annually
  • Staff trained on AML red flags, with records of that training
  • Source-of-funds checks on qualifying transactions, at the threshold set for your sector
  • Sanctions and PEP screening at onboarding and on an ongoing basis
  • Ongoing transaction monitoring and record-keeping for the retention period the law requires

Most owners find out about this list when their bank requests it during account opening, when their first audit lands, or when an inspection notice arrives. By then, the clock is short.

!
Cost of doing nothing
The penalty range under Cabinet Resolution 71 of 2024: AED 50,000 to AED 1,000,000 per violation. The Ministry of Economy issued AED 42M+ in penalties on non-compliant DNFBPs in H1 2025 alone.

You have three real options. Hire a compliance consultant for AED 50,000–90,000 and wait 6–12 weeks. Try to write everything from scratch using outdated free templates. Or use what experienced UAE practitioners already built for themselves.

§ 02 · The Crown

Everything an inspection expects — in one customised kit.

Editable. UAE-specific. Aligned with Federal Decree-Law 10 of 2025. Tuned to your sector's obligations — plus a free account to keep your kit current and stay ahead of every deadline.

01
Policies & Procedures
The compliance spine
  • 01AML/CFT Policy & Procedures ManualBoard-approved · Word
  • 02Customer Onboarding & KYC ProcedureWord
  • 03Enhanced Due Diligence ProcedureHigh-risk cases · Word
  • 04STR & goAML Filing ProcedureStep-by-step · Word
  • 05Record-Keeping, Sanctions & Tipping-off PoliciesWord + PDF
02
Forms & Risk Tools
The working toolkit
  • 01KYC & UBO Declaration FormsWord + PDF
  • 02Source-of-Funds DeclarationWord + PDF
  • 03Business-Wide Risk AssessmentExcel · live scoring
  • 04Sanctions & Transaction Screening LogsExcel
  • 05Annual Compliance CalendarYour deadlines, populated
03
Governance, Training & Reference
The inspection pack
  • 01MLRO Appointment & Reporting PackWord
  • 02Independent AML Audit — Terms of ReferenceWord
  • 03Three-Lines-of-Defence Org ChartPPTX
  • 04Staff AML Awareness Training DeckPPTX
  • 05Inspection-Readiness Checklist & Red-Flags One-PagerPDF
All files delivered in Word (.docx), Excel (.xlsx), PowerPoint (.pptx) and PDF · Customizable, not locked, yours forever

See the full document list

§ 03 · The Cipher Add-on · Not for everyone

Do you accept crypto payments?

If your firm takes payment in virtual assets, your AML obligations under Federal Decree-Law 10 of 2025 still apply in full — and the Starter Kit deliberately doesn't cover them. Accepting crypto adds enhanced due diligence on every such payment, establishing the source of the virtual assets, wallet-address and blockchain screening, and a licensed crypto-to-fiat off-ramp — while keeping the firm firmly on the right side of the VASP boundary. The Crypto Module extends your Starter Kit to cover all of it. This applies across every sector Assay covers — the fit is highest in real estate, where buyers increasingly offer to settle in virtual assets.

Don't touch crypto? Then you don't need this — skip straight to pricing.

+€499 One-time · €1,398 with the Starter Kit
Add the Crypto Module
§ 04 · The Anchor

Why Assay isn't another generic AML template pack.

Built by experienced UAE practitioners

Assay was drafted by experienced UAE practitioners with hands-on operational experience inside the UAE framework. Every form has been pressure-tested against real-world onboarding requirements. Every policy has been reviewed against the standards real bank compliance officers apply.

Updated for 2025 law

Most free AML templates online were drafted under the pre-2025 framework. Assay is fully aligned with Federal Decree-Law 10 of 2025, Cabinet Resolution 134 of 2025, the latest Ministry of Economy circulars, and the supervisory guidance for each covered sector. If the law changes, you get the updated versions free for 12 months.

Operational, not just policies

Templates without working tools are half a job. Your kit includes a working Excel risk matrix with live scoring formulas, a 25-slide training deck ready for your next all-hands, a 12-month compliance calendar populated with actual deadlines, and an inspection readiness checklist that mirrors what Ministry inspections actually look for.

48 hours, not 6 weeks

Download, customize with your firm name and risk appetite, get MLRO sign-off, train your team. Three days from purchase to compliance-ready. We've timed it ourselves.

§ 05 · The Scales

Three ways to get UAE AML-compliant. Pick yours.

Free templates Free Do-it-yourself Compliance consultant Consultant AED 50k–90k The Assay Kit Assay Starter Kit €899 · one-time
Cost Free AED 50,000 – 90,000 €899
Time to ready 4 – 8 weeks DIY 6 – 12 weeks 48 – 72 hours
Sector-specific Generic UAE Yes Yes
Aligned with FDL 10/2025 Mostly pre-2025 Yes Yes
Working risk matrix (Excel) Sometimes Yes
Training deck (PPTX) Sometimes Yes
Editable Word + PDF + Excel PDF only Yes Yes
Free updates for 12 months Yes
Built by experienced UAE practitioners Yes

The full, honest version of this comparison — including when a consultant is the right answer: Kit vs Consultant.

§ 06 · The Tally

Simple pricing. One kit, two optional extras.

Assay Starter Kit
€899 One-time
The full compliance kit for your sector — every policy, procedure, register and tool. Includes 12 months of regulatory updates.
+ Crypto Module
€499 One-time
Only if your firm accepts crypto payments. Seven documents covering enhanced due diligence, source-of-funds, wallet-address screening and the crypto-to-fiat off-ramp.
+ Maintenance Plan
Optional renewal
Year one of updates is included with the kit. Before it ends, we'll offer a renewal that keeps your kit current as the law changes — and reminds you of every recurring obligation. Your choice, never automatic.
§ 07 · The Compass

Your sector has its own rulebook. We're building a kit for each.

DPMS and Real Estate are live today. Two more sector kits are on the bench — tell us yours and we'll email you the day it ships.

Sector 03 · Roadmap

Corporate Service Providers (TCSP)

In development

UBO verification across every entity you incorporate, and ongoing monitoring of the firms you set up.

Notify me
Sector 04 · Roadmap

Accountants & Auditors

In development

Client and engagement risk assessment, client-money handling, advisory-relationship red flags.

Notify me

Tell us your sector — we'll email you the day your kit ships.

§ 08 · The Five Marks

Not sure where you stand? Start with the free Self-Assessment.

The Assay Self-Assessment — 28 questions, about five minutes, scored against Federal Decree-Law 10 of 2025 — the same ground an inspection covers. Live for both sectors: precious metals and real estate, each scored against its own rulebook.

No email gate on the result. No spam, no upsell pressure.

And for your front-line staff: the free AML Awareness Certificate — 12 questions, a verifiable certificate by email.

Start the Self-Assessment →

§ 09 · The Ledger

Questions before you buy.

Is this legal advice?

No. Assay provides starting-point templates that reflect current UAE regulatory requirements. Your final policies should be reviewed by a UAE-qualified compliance professional before adoption. We tell you this because it's true, not because we have to.

Will this work for my non-DMCC UAE entity?

The DPMS kit is calibrated specifically for DMCC DPMS. Mainland DPMS and DPMS in other free zones (RAKEZ, SAIF, JAFZA) will find around 80 % of it directly applicable, with localizations needed for supervisor-specific reporting and free-zone-specific guidance. ADGM and DIFC have distinct regulatory regimes — we're building dedicated kits for those.

The Real Estate kit is UAE-wide by design — the REAR regime and the federal framework apply to brokerages in every emirate; the customisation captures your emirate and licensing details.

I'm not a DPMS. Am I still covered by UAE AML rules?

Probably yes. Federal Decree-Law 10 of 2025 covers six DNFBP categories: real estate brokers, DPMS (you're here), accountants & auditors, corporate service providers, lawyers & notaries, and commercial gaming operators. Plus VASPs and financial institutions separately.

The core AML framework is essentially the same across all of them; sector-specific overlay differs. Assay is deliberately building kits for four sectors only — DPMS and Real Estate (both live today — pick your kit in the sector band above), Corporate Service Providers and Accountants & Auditors (in development — add your email to the roadmap form).

What if the law changes?

You get free updates for 12 months from purchase. We track Ministry of Economy circulars, DMCC guidance changes, and Cabinet Resolution amendments, and we reissue affected documents.

Can I share this kit with my accountant or lawyer?

Yes — within your firm and with your appointed professional advisors. The licence prohibits redistribution, resale, or sharing with other firms or competitors.

Do I need a separate kit if I also accept crypto payments?

Yes — though it's an add-on, not a separate kit. Accepting virtual-asset payments does not make a DNFBP firm a VASP, but it does add real obligations under Federal Decree-Law 10 of 2025: enhanced due diligence on every crypto payment, establishing the source of the virtual assets, wallet-address screening, and a licensed crypto-to-fiat off-ramp. The Crypto Module attaches to your Starter Kit and covers all of it. See § 03 · The Cipher above.

Refund policy?

14-day money-back guarantee. If the kit isn't what your firm needs, email hello@assay.ae within 14 days of delivery for a full refund — no forms, no questions.

What is founding-firm pricing?

We're new, and the first firms in each sector take a chance on us — so the first 10 firms per sector get the kit at €699 instead of €899 (bundles €1,198 instead of €1,398), with the same 14-day guarantee. When the 10 are taken, the price returns to list. Founding firms agree we may ask for an anonymised testimonial after delivery — that's the trade.

Who's behind Assay?

Assay is operated from Norway by SEEK AI AS, a team with hands-on DMCC operational experience. We built this kit because we needed something like it ourselves — the existing options were either too generic or too expensive. Selling it to other regulated firms in the same situation made obvious sense.

Reg. Mark · 2026
§ 10 · Sign & Seal

Skip the consultant. Skip the all-nighters. Get audit-ready this week.

Find your sector
14-day money-back guarantee Secure checkout Instant download Free updates for 12 months Built by experienced UAE practitioners