Touchstone · 916.6 · DXB
Assay · DMCC DPMS Compliance Toolkit

Your DMCC DPMS licence comes with 60 days of AML homework.We did it for you.

Federal Decree-Law 10 of 2025 makes every Dealer in Precious Metals & Stones a Designated Non-Financial Business from the day of licensing. Policies, KYC procedures, MLRO appointment, goAML registration, supplier due diligence, staff training — all required before your first transaction at or above AED 55,000. Most founders only find out when the bank or auditor asks.

Pre-order now — kits ship 15 July 2026. Launch price locked for the first 25 buyers.

Aligned with Federal Decree-Law 10 of 2025 Cabinet Resolution 134 of 2025 DMCC Practical Guidance OECD 5-Step Framework

Assay — compliance kits for UAE's regulated businesses. Starting with DMCC DPMS.

§ 01 · The Leopard

What the DMCC welcome pack doesn't tell you.

When DMCC issues a DPMS licence, federal AML obligations under Federal Decree-Law 10 of 2025 attach immediately. The Ministry of Economy expects every DPMS 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 customers and suppliers
  • A documented business-wide risk assessment, reviewed annually
  • Staff trained on AML red flags, with records of that training
  • Source-of-funds verification for any cash transaction at or above AED 55,000
  • Sanctions and PEP screening at onboarding and on an ongoing basis
  • Five-step OECD due diligence on gold supply chains

Most new DPMS founders find out about this list when their bank requests it during account opening, when their first audit lands, or when DMCC sends an inspection notice. 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 Try to write everything from scratch using outdated free templates.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 DMCC practitioners already built for themselves.

§ 02 · The Crown

Everything a DPMS needs to pass inspection. In one kit.

26 documents. Editable. UAE-specific. Updated for 2025 law. Drafted by experienced DMCC practitioners.

01
Policies & Procedures
9 documents
  • 01AML/CFT Policy & Procedures Manual47 pages · Word
  • 02OECD Due Diligence Policy5-step framework · Word
  • 03Sanctions & PEP Screening PolicyWord + PDF
  • 04Record-Keeping & Data Retention PolicyWord + PDF
  • 05Tipping-off Prevention & Confidentiality PolicyWord + PDF
  • 06Customer Onboarding & KYC ProcedureWord + PDF
  • 07Enhanced Due Diligence ProcedureHigh-risk customers · Word
  • 08STR & goAML Filing ProcedureStep-by-step · Word
  • 09Transaction Monitoring ProcedureWord + PDF
02
Forms & Risk Tools
10 documents
  • 10Corporate KYC QuestionnaireWord
  • 11Individual KYC QuestionnaireWord
  • 12UBO Declaration FormWord + PDF
  • 13Supplier KYC QuestionnaireOECD-aligned · gold & diamond
  • 14PEP Self-Declaration FormWord + PDF
  • 15Source of Funds DeclarationWord + PDF
  • 16AML Risk Assessment MatrixExcel · working scoring formulas
  • 17Sanctions Screening Log TemplateExcel
  • 18Annual Compliance Calendar12-month · populated deadlines
  • 19High-Risk Country Reference ListPDF
03
Governance, Training & Reference
7 documents
  • 20MLRO Appointment LetterWord
  • 21MLRO Job DescriptionWord
  • 22Three-Lines-of-Defence Org ChartTemplate · PPTX
  • 23Staff AML Awareness Training DeckPPTX · 25 slides
  • 24Red Flags for DPMS Staff1-pager · printable PDF
  • 25DMCC Inspection Readiness ChecklistPDF
  • 26UAE-Specific AML Glossary + How to Use This KitPDF
All files delivered in Word (.docx), Excel (.xlsx), PowerPoint (.pptx) and PDF · Customizable, not locked, yours forever
§ 03 · The Anchor

Why Assay isn't another generic AML template pack.

Built by experienced DMCC practitioners

Assay was drafted by experienced DMCC practitioners with hands-on operational experience. 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 DMCC Practical Guidance. 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 DMCC inspectors 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 kit in hand to compliance-ready. We've timed it ourselves.

§ 04 · The Scales

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

Free templates Free Do-it-yourself Compliance consultant Consultant $15–25K The Assay Kit Assay Starter Kit Launch · $599
Cost $0 $15,000 – $25,000 $599 launch · $999 standard
Time to ready 4 – 8 weeks DIY 6 – 12 weeks 48 – 72 hours (once delivered)
DMCC-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 DMCC practitioners Yes
§ 05 · The Sun

Not a precious metals dealer? You may still be a DNFBP.

UAE's Federal Decree-Law 10 of 2025 covers six DNFBP categories — real estate brokers, dealers in precious metals & stones, accountants and auditors, corporate service providers, lawyers and notaries, and commercial gaming operators — plus Virtual Asset Service Providers separately. The core AML framework is the same across all of them.

Sector-specific Assay kits are in development. Tell us which one you need and we'll notify you the day it ships.

§ 06 · The Five Marks

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

The DMCC DPMS Compliance Self-Assessment — 12 pages, 28 questions, takes five minutes. Scores you against Federal Decree-Law 10 of 2025 obligations. Shows you exactly where your gaps are.

No spam, no upsell pressure. Just the gaps.

§ 07 · 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.

When will I receive the kit?

The Assay DMCC DPMS Starter Kit ships 15 July 2026. Pre-order now to reserve your copy at the $599 launch price — we'll email it to the address you used at checkout on ship day, with free updates for 12 months from delivery. The free Self-Assessment is available immediately, today.

Will this work for my non-DMCC UAE entity?

The 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.

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. Add your email and sector above and we'll let you know when your kit ships.

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 DPMS firms or competitors.

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

Yes. Crypto-accepting DPMS face a distinct risk profile (wallet attestation, blockchain analytics, off-ramp risk, VASP-adjacent obligations under Federal Decree-Law 10 of 2025). The dedicated Crypto-Accepting DPMS Compliance Pack ships later this year — Starter Kit customers get 30 % off when it launches.

Refund policy?

14-day money-back guarantee. Because the kit is currently on pre-order, you can also cancel your pre-order for a full refund any time before it ships on 15 July 2026. After delivery, the standard 14-day guarantee applies — if the kit hasn't saved you meaningful time or cost, contact hello@assay.ae for a full refund.

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 DPMS firms in the same situation made obvious sense.

Reg. Mark · 2026
§ 08 · Sign & Seal

Skip the consultant. Skip the all-nighters. Reserve your kit today.

Pre-order the Starter Kit $599 launch price

Launch price for the first 25 buyers. Ships 15 July 2026. Standard price $999 thereafter.

14-day money-back guarantee Secure checkout Ships 15 July 2026 Free updates for 12 months Built by experienced DMCC practitioners