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.
Assay — inspection-ready AML compliance kits, built for each of UAE's regulated sectors.
Find your sector. The framework is shared; the rulebook isn't. Pick yours.
Gold, diamond & jewellery dealers.
Available now Get the kitCompany formation & trust / company service providers.
Coming Notify meThe 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:
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.
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.
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.
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.
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.
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.
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.
| 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.
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.
UBO verification across every entity you incorporate, and ongoing monitoring of the firms you set up.
Notify meClient and engagement risk assessment, client-money handling, advisory-relationship red flags.
Notify meTell us your sector — we'll email you the day your kit ships.
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.
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.
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.
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).
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.
Yes — within your firm and with your appointed professional advisors. The licence prohibits redistribution, resale, or sharing with other firms or competitors.
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.
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.
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.
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.