If you sell software to crypto exchanges, DeFi protocols, NFT marketplaces, or crypto custodians, you operate inside one of the most heavily regulated tech verticals on earth — and the compliance clocks are relentless.
FinCEN's Travel Rule requires VASPs to transmit originator and beneficiary data before or simultaneous with the transfer. OFAC's SDN match requires an immediate freeze with no grace period and a strict tipping-off prohibition. NYDFS BitLicense holders get 72 hours to notify the Superintendent of a cybersecurity incident. Miss any of these and the consequences range from civil money penalties to license revocation.
Self-hosted n8n is the automation backbone that keeps CryptoTech SaaS vendors compliant — and away from the third-party cloud exposure that creates its own regulatory problem.
Why Third-Party iPaaS Is a Structural Risk for CryptoTech
FinCEN's Travel Rule (31 CFR §1010.410(f)) requires VASPs to collect, retain, and transmit originator/beneficiary PII (name, account number, address, DOB, national ID) for transfers exceeding $3,000. When that data flows through Zapier or Make's cloud servers, you have created a third-party processor relationship that must be assessed under your BSA AML program — and any breach of that processor triggers your own notification obligations.
NYDFS 23 NYCRR §200.9(b) requires BitLicense holders to maintain a Business Continuity and Disaster Recovery Plan. Any cloud iPaaS in your automation stack is a critical vendor dependency. An unplanned Zapier outage during a high-volume trading session = unplanned downtime that may trigger the 72-hour NYDFS incident notification requirement itself.
Self-hosted n8n runs inside your own infrastructure. Travel Rule data, SAR workflow logic, OFAC screening results, and KYC/AML decision records never leave your network.
7 CryptoTech SaaS Customer Tiers
| Tier | Description | Key Compliance Flags |
|---|---|---|
ENTERPRISE_DEFI_PROTOCOL |
Large DeFi protocols, institutional liquidity providers | FATF_TRAVEL_RULE_SUBJECT, FINCEN_MSB_REGISTERED |
CRYPTO_EXCHANGE_SAAS_VENDOR |
CEX operators, OTC desks, spot/derivatives venues | NYDFS_BITLICENSE_HOLDER, FINCEN_MSB_REGISTERED, FATF_TRAVEL_RULE_SUBJECT |
NFT_MARKETPLACE_SAAS_VENDOR |
NFT platform operators, digital collectibles markets | SEC_DIGITAL_ASSET_QUESTION, STATE_MSB_QUESTION |
CRYPTO_CUSTODY_SAAS_VENDOR |
Qualified custodians, MPC wallets, HSM vault operators | SOC2_REQUIRED, NYDFS_BITLICENSE_HOLDER |
STABLECOIN_ISSUER_SAAS |
Fiat-backed / algorithmic stablecoin issuers | FINCEN_MSB_REGISTERED, EU_MICA_SUBJECT, FATF_TRAVEL_RULE_SUBJECT |
CRYPTO_LENDING_SAAS_VENDOR |
DeFi lending/borrowing, yield protocols, margin platforms | CFTC_COMMODITY_POOL_OPERATOR, SEC_REGISTERED_INVESTMENT_ADVISOR |
CRYPTO_COMPLIANCE_SAAS_VENDOR |
Blockchain analytics, KYC/AML tooling, Travel Rule SaaS | FINCEN_MSB_REGISTERED, SOC2_REQUIRED |
7 Compliance Flags
| Flag | Regulation | Implication |
|---|---|---|
FINCEN_MSB_REGISTERED |
FinCEN 31 CFR §1010.100(ff) | Full BSA AML program, SAR, CTR, Travel Rule obligations |
NYDFS_BITLICENSE_HOLDER |
NYDFS 23 NYCRR Part 200 | Annual report March 15, 72h cyber incident, BitLicense amendment for material changes |
SEC_REGISTERED_INVESTMENT_ADVISOR |
Investment Advisers Act 15 USC §80b-1 | Form ADV, custody rules, advertising rule, CCO designation |
FATF_TRAVEL_RULE_SUBJECT |
FATF Recommendation 16 / 31 CFR §1010.410(f) | Originator/beneficiary data must accompany transfers >$3,000 |
CFTC_COMMODITY_POOL_OPERATOR |
7 USC §1 / 17 CFR Part 4 | CPO registration, annual report 90 days after fiscal year end |
EU_MICA_SUBJECT |
EU MiCA Art.70 | 72-hour incident notification to NCA, whitepaper requirements |
SOC2_REQUIRED |
AICPA SOC2 | Annual Type II audit, CC6.1 data egress controls |
Workflow 1: Tier-Segmented CryptoTech Customer Onboarding Drip
Webhook trigger → Set Tier & Flags (Code) → Gmail Day 0 Welcome → Log to Sheets → Wait 3 Days → Gmail Day 3 → Wait 4 Days → Gmail Day 7
The Code node injects tier-specific context: FATF Travel Rule API integration guide for FATF_TRAVEL_RULE_SUBJECT customers, NYDFS annual report reminder for NYDFS_BITLICENSE_HOLDER, CFTC CPO checklist for CFTC_COMMODITY_POOL_OPERATOR.
{
"name": "CryptoTech Customer Onboarding Drip",
"nodes": [
{
"id": "1",
"name": "Webhook",
"type": "n8n-nodes-base.webhook",
"typeVersion": 1,
"position": [
250,
300
],
"parameters": {
"httpMethod": "POST",
"path": "cryptotech-onboarding",
"responseMode": "onReceived"
}
},
{
"id": "2",
"name": "Set Tier & Flags",
"type": "n8n-nodes-base.code",
"typeVersion": 2,
"position": [
450,
300
],
"parameters": {
"jsCode": "const d=items[0].json;const tierMap={ENTERPRISE_DEFI_PROTOCOL:{day0:'Your BSA/AML program and FATF Travel Rule API integration guide are attached.',fatfNote:true},CRYPTO_EXCHANGE_SAAS_VENDOR:{day0:'NYDFS BitLicense annual report due March 15. FinCEN MSB registration renewal reminder configured.',fatfNote:true},NFT_MARKETPLACE_SAAS_VENDOR:{day0:'SEC digital asset guidance and state MSB exemption checklist enclosed.',fatfNote:false},CRYPTO_CUSTODY_SAAS_VENDOR:{day0:'SOC2 Type II report template and NYDFS \u00a7200.9 cybersecurity checklist attached.',fatfNote:false},STABLECOIN_ISSUER_SAAS:{day0:'EU MiCA Art.70 incident notification template and FinCEN CTR workflow guide included.',fatfNote:true},CRYPTO_LENDING_SAAS_VENDOR:{day0:'CFTC CPO registration checklist and OFAC SDN screening integration guide attached.',fatfNote:true},CRYPTO_COMPLIANCE_SAAS_VENDOR:{day0:'Full compliance stack integration guide: FinCEN, OFAC, NYDFS, SEC, CFTC.',fatfNote:true}};const t=tierMap[d.tier]||tierMap.CRYPTO_COMPLIANCE_SAAS_VENDOR;return [{json:{...d,tierNote:t.day0,fatfNote:t.fatfNote,enrolledAt:new Date().toISOString()}}];"
}
},
{
"id": "3",
"name": "Gmail Day 0 Welcome",
"type": "n8n-nodes-base.gmail",
"typeVersion": 2,
"position": [
650,
300
],
"parameters": {
"operation": "send",
"toList": "={{$json.email}}",
"subject": "Welcome to FlowKit \u2014 your CryptoTech compliance automation is live",
"message": "=Hi {{$json.name}},\n\nYour FlowKit account is active. {{$json.tierNote}}\n\nStore: https://stripeai.gumroad.com\n\nBest,\nAlex Kane / FlowKit"
}
},
{
"id": "4",
"name": "Log to Sheets",
"type": "n8n-nodes-base.googleSheets",
"typeVersion": 4,
"position": [
850,
300
],
"parameters": {
"operation": "append",
"documentId": "YOUR_SHEET_ID",
"sheetName": "cryptotech_onboarding",
"columns": {
"mappingMode": "defineBelow",
"value": {
"email": "={{$json.email}}",
"name": "={{$json.name}}",
"tier": "={{$json.tier}}",
"enrolled": "={{$json.enrolledAt}}",
"day3_sent": "False",
"day7_sent": "False"
}
}
}
},
{
"id": "5",
"name": "Wait 3 Days",
"type": "n8n-nodes-base.wait",
"typeVersion": 1,
"position": [
1050,
300
],
"parameters": {
"amount": 3,
"unit": "days"
}
},
{
"id": "6",
"name": "Gmail Day 3",
"type": "n8n-nodes-base.gmail",
"typeVersion": 2,
"position": [
1250,
300
],
"parameters": {
"operation": "send",
"toList": "={{$json.email}}",
"subject": "Day 3 check-in \u2014 how is your CryptoTech compliance stack?",
"message": "=Hi {{$json.name}},\n\nChecking in: have you connected your OFAC SDN screening API and FinCEN SAR submission endpoint?\n\nIf you have any questions, reply here.\n\nAlex / FlowKit"
}
},
{
"id": "7",
"name": "Wait 4 Days",
"type": "n8n-nodes-base.wait",
"typeVersion": 1,
"position": [
1450,
300
],
"parameters": {
"amount": 4,
"unit": "days"
}
},
{
"id": "8",
"name": "Gmail Day 7 Features",
"type": "n8n-nodes-base.gmail",
"typeVersion": 2,
"position": [
1650,
300
],
"parameters": {
"operation": "send",
"toList": "={{$json.email}}",
"subject": "5 FlowKit automations your compliance team will use every day",
"message": "=Hi {{$json.name}},\n\nHere are the 5 workflows your team should set up this week:\n\n1. OFAC Sanctions Match Alert (immediate freeze + 10-day report clock)\n2. FinCEN SAR 30-Day Countdown\n3. FATF Travel Rule Transmission Logger\n4. NYDFS BitLicense Annual Deadline Tracker\n5. Weekly CryptoTech KPI Dashboard\n\nFull JSON at https://stripeai.gumroad.com\n\nAlex / FlowKit"
}
}
],
"connections": {
"Webhook": {
"main": [
[
{
"node": "Set Tier & Flags",
"type": "main",
"index": 0
}
]
]
},
"Set Tier & Flags": {
"main": [
[
{
"node": "Gmail Day 0 Welcome",
"type": "main",
"index": 0
}
]
]
},
"Gmail Day 0 Welcome": {
"main": [
[
{
"node": "Log to Sheets",
"type": "main",
"index": 0
}
]
]
},
"Log to Sheets": {
"main": [
[
{
"node": "Wait 3 Days",
"type": "main",
"index": 0
}
]
]
},
"Wait 3 Days": {
"main": [
[
{
"node": "Gmail Day 3",
"type": "main",
"index": 0
}
]
]
},
"Gmail Day 3": {
"main": [
[
{
"node": "Wait 4 Days",
"type": "main",
"index": 0
}
]
]
},
"Wait 4 Days": {
"main": [
[
{
"node": "Gmail Day 7 Features",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 2: OFAC/FinCEN/NYDFS/SEC/CFTC/MiCA Compliance Deadline Tracker
Daily 8AM → Read Deadlines Sheet → Classify Urgency (Code) → Switch → Slack #compliance-critical / Gmail owner
The tracker covers all 12 deadline types in the CryptoTech compliance stack — from OFAC reporting windows to NYDFS annual reports to EU MiCA notifications.
{
"name": "CryptoTech Compliance Deadline Tracker",
"nodes": [
{
"id": "1",
"name": "Daily 8AM",
"type": "n8n-nodes-base.scheduleTrigger",
"typeVersion": 1,
"position": [
250,
300
],
"parameters": {
"rule": {
"interval": [
{
"field": "cronExpression",
"expression": "0 8 * * *"
}
]
}
}
},
{
"id": "2",
"name": "Read Deadlines Sheet",
"type": "n8n-nodes-base.googleSheets",
"typeVersion": 4,
"position": [
450,
300
],
"parameters": {
"operation": "read",
"documentId": "YOUR_SHEET_ID",
"sheetName": "crypto_compliance_deadlines"
}
},
{
"id": "3",
"name": "Classify Urgency",
"type": "n8n-nodes-base.code",
"typeVersion": 2,
"position": [
650,
300
],
"parameters": {
"jsCode": "const today=new Date();return items.map(i=>{const d=i.json;const due=new Date(d.due_date);const days=Math.round((due-today)/(1000*60*60*24));let urgency='UPCOMING';if(days<0)urgency='OVERDUE';else if(days<=3)urgency='CRITICAL';else if(days<=7)urgency='URGENT';else if(days<=30)urgency='WARNING';else if(days<=60)urgency='NOTICE';return {json:{...d,daysUntil:days,urgency}};}).filter(i=>i.json.urgency!=='UPCOMING'||i.json.daysUntil<=60);"
}
},
{
"id": "4",
"name": "Switch Urgency",
"type": "n8n-nodes-base.switch",
"typeVersion": 1,
"position": [
850,
300
],
"parameters": {
"dataType": "string",
"value1": "={{$json.urgency}}",
"rules": {
"rules": [
{
"value2": "OVERDUE",
"output": 0
},
{
"value2": "CRITICAL",
"output": 0
},
{
"value2": "URGENT",
"output": 1
},
{
"value2": "WARNING",
"output": 2
},
{
"value2": "NOTICE",
"output": 3
}
]
}
}
},
{
"id": "5",
"name": "Slack CRITICAL",
"type": "n8n-nodes-base.slack",
"typeVersion": 2,
"position": [
1050,
200
],
"parameters": {
"channel": "#compliance-critical",
"text": "=:rotating_light: CRYPTO COMPLIANCE {{$json.urgency}}: *{{$json.deadline_type}}* for {{$json.entity_name}} \u2014 due {{$json.due_date}} ({{$json.daysUntil}}d). Regulation: {{$json.regulation}}. Owner: {{$json.owner_email}}"
}
},
{
"id": "6",
"name": "Gmail CRITICAL",
"type": "n8n-nodes-base.gmail",
"typeVersion": 2,
"position": [
1050,
320
],
"parameters": {
"operation": "send",
"toList": "={{$json.owner_email}}",
"subject": "=CRYPTO COMPLIANCE {{$json.urgency}}: {{$json.deadline_type}} due {{$json.due_date}}",
"message": "={{$json.urgency}} \u2014 {{$json.daysUntil}} days remaining.\n\nDeadline: {{$json.deadline_type}}\nRegulation: {{$json.regulation}}\nEntity: {{$json.entity_name}}\nDue: {{$json.due_date}}\n\nAction required: {{$json.action_required}}"
}
},
{
"id": "7",
"name": "Slack WARNING",
"type": "n8n-nodes-base.slack",
"typeVersion": 2,
"position": [
1050,
440
],
"parameters": {
"channel": "#compliance-ops",
"text": "=:warning: CRYPTO COMPLIANCE {{$json.urgency}}: {{$json.deadline_type}} for {{$json.entity_name}} in {{$json.daysUntil}} days ({{$json.due_date}})."
}
},
{
"id": "8",
"name": "Slack NOTICE",
"type": "n8n-nodes-base.slack",
"typeVersion": 2,
"position": [
1050,
560
],
"parameters": {
"channel": "#compliance-ops",
"text": "=:calendar: CRYPTO COMPLIANCE NOTICE: {{$json.deadline_type}} for {{$json.entity_name}} in {{$json.daysUntil}} days."
}
}
],
"connections": {
"Daily 8AM": {
"main": [
[
{
"node": "Read Deadlines Sheet",
"type": "main",
"index": 0
}
]
]
},
"Read Deadlines Sheet": {
"main": [
[
{
"node": "Classify Urgency",
"type": "main",
"index": 0
}
]
]
},
"Classify Urgency": {
"main": [
[
{
"node": "Switch Urgency",
"type": "main",
"index": 0
}
]
]
},
"Switch Urgency": {
"main": [
[
{
"node": "Slack CRITICAL",
"type": "main",
"index": 0
},
{
"node": "Gmail CRITICAL",
"type": "main",
"index": 0
}
],
[
{
"node": "Slack WARNING",
"type": "main",
"index": 0
}
],
[
{
"node": "Slack NOTICE",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 3: CryptoTech SaaS API & Integration Health Monitor
Every 3 minutes → Read Endpoints → Split → HTTP Health Check → Classify Status → Alert If Down → Slack + Log
Five critical endpoints monitored with compliance context:
-
blockchain_node_api— FinCEN BSA record integrity (31 USC §5318) -
fincen_goaml_api— SAR submission (31 USC §5318(g) 30-day clock) -
ofac_sdn_screening_api— OFAC SDN (31 CFR §501.603 immediate freeze) -
nydfs_virtual_currency_api— NYDFS 72h incident (23 NYCRR §200.9) -
travel_rule_vasp_api— FATF Travel Rule (31 CFR §1010.410(f))
{
"name": "CryptoTech API & Integration Health Monitor",
"nodes": [
{
"id": "1",
"name": "Every 3 Minutes",
"type": "n8n-nodes-base.scheduleTrigger",
"typeVersion": 1,
"position": [
250,
300
],
"parameters": {
"rule": {
"interval": [
{
"field": "cronExpression",
"expression": "*/3 * * * *"
}
]
}
}
},
{
"id": "2",
"name": "Read Endpoints",
"type": "n8n-nodes-base.googleSheets",
"typeVersion": 4,
"position": [
450,
300
],
"parameters": {
"operation": "read",
"documentId": "YOUR_SHEET_ID",
"sheetName": "crypto_api_endpoints"
}
},
{
"id": "3",
"name": "Split Endpoints",
"type": "n8n-nodes-base.splitInBatches",
"typeVersion": 3,
"position": [
650,
300
],
"parameters": {
"batchSize": 1
}
},
{
"id": "4",
"name": "HTTP Health Check",
"type": "n8n-nodes-base.httpRequest",
"typeVersion": 4,
"position": [
850,
300
],
"parameters": {
"method": "GET",
"url": "={{$json.health_url}}",
"timeout": 5000,
"continueOnFail": true
}
},
{
"id": "5",
"name": "Classify Status",
"type": "n8n-nodes-base.code",
"typeVersion": 2,
"position": [
1050,
300
],
"parameters": {
"jsCode": "const e=items[0].json;const statusCode=e.$response?.statusCode||0;const latency=e.$response?.headers?.['x-response-time']||0;let status='OK';let detail='';const endpointMap={blockchain_node_api:'FinCEN BSA record integrity \u2014 31 USC \u00a75318',fincen_goaml_api:'SAR submission \u2014 31 USC \u00a75318(g) 30-day clock',ofac_sdn_screening_api:'OFAC SDN screening \u2014 31 CFR \u00a7501.603 immediate freeze',nydfs_virtual_currency_api:'NYDFS BitLicense \u2014 23 NYCRR \u00a7200.9 72h incident',travel_rule_vasp_api:'FATF Travel Rule \u2014 FATF R.16 / 31 CFR \u00a71010.410(f)'};if(statusCode===0||statusCode>=500){status='DOWN';detail='No response or server error';}else if(statusCode>=400){status='DEGRADED';detail=`HTTP ${statusCode}`;}else if(latency>2000){status='DEGRADED';detail=`High latency: ${latency}ms`;}return [{json:{...e,apiStatus:status,statusCode,complianceNote:endpointMap[e.api_name]||e.api_name,detail}}];"
}
},
{
"id": "6",
"name": "Alert If Down",
"type": "n8n-nodes-base.if",
"typeVersion": 2,
"position": [
1250,
300
],
"parameters": {
"conditions": {
"options": {
"caseSensitive": false
},
"conditions": [
{
"leftValue": "={{$json.apiStatus}}",
"operator": {
"type": "string",
"operation": "notEquals"
},
"rightValue": "OK"
}
]
}
}
},
{
"id": "7",
"name": "Slack Alert",
"type": "n8n-nodes-base.slack",
"typeVersion": 2,
"position": [
1450,
250
],
"parameters": {
"channel": "#compliance-ops",
"text": "=:red_circle: CRYPTO API {{$json.apiStatus}}: *{{$json.api_name}}* \u2014 {{$json.complianceNote}}. {{$json.detail}}. Immediate review required \u2014 compliance clock may be running."
}
},
{
"id": "8",
"name": "Log Incident",
"type": "n8n-nodes-base.googleSheets",
"typeVersion": 4,
"position": [
1450,
380
],
"parameters": {
"operation": "append",
"documentId": "YOUR_SHEET_ID",
"sheetName": "crypto_api_incidents",
"columns": {
"mappingMode": "defineBelow",
"value": {
"ts": "={{new Date().toISOString()}}",
"api": "={{$json.api_name}}",
"status": "={{$json.apiStatus}}",
"detail": "={{$json.detail}}",
"compliance": "={{$json.complianceNote}}"
}
}
}
}
],
"connections": {
"Every 3 Minutes": {
"main": [
[
{
"node": "Read Endpoints",
"type": "main",
"index": 0
}
]
]
},
"Read Endpoints": {
"main": [
[
{
"node": "Split Endpoints",
"type": "main",
"index": 0
}
]
]
},
"Split Endpoints": {
"main": [
[
{
"node": "HTTP Health Check",
"type": "main",
"index": 0
}
]
]
},
"HTTP Health Check": {
"main": [
[
{
"node": "Classify Status",
"type": "main",
"index": 0
}
]
]
},
"Classify Status": {
"main": [
[
{
"node": "Alert If Down",
"type": "main",
"index": 0
}
]
]
},
"Alert If Down": {
"main": [
[
{
"node": "Slack Alert",
"type": "main",
"index": 0
},
{
"node": "Log Incident",
"type": "main",
"index": 0
}
],
[]
]
}
}
}
Workflow 4: CryptoTech Incident & Regulatory Breach Pipeline
Webhook → Classify Incident (Code) → Slack + Gmail CISO/CCO + Log to Sheets
Fastest clock: OFAC_SANCTIONS_MATCH — IMMEDIATE. The Code node maps 8 incident types with precise SLA windows and required actions, including the tipping-off prohibition under 31 CFR §597.701.
{
"name": "CryptoTech Incident & Regulatory Breach Pipeline",
"nodes": [
{
"id": "1",
"name": "Incident Webhook",
"type": "n8n-nodes-base.webhook",
"typeVersion": 1,
"position": [
250,
300
],
"parameters": {
"httpMethod": "POST",
"path": "cryptotech-incident",
"responseMode": "onReceived"
}
},
{
"id": "2",
"name": "Classify Incident",
"type": "n8n-nodes-base.code",
"typeVersion": 2,
"position": [
450,
300
],
"parameters": {
"jsCode": "const d=items[0].json;const incidentMap={OFAC_SANCTIONS_MATCH:{sla:'IMMEDIATE \u2014 freeze required before transfer completes',slack:'#compliance-critical',regulation:'31 CFR \u00a7501.603 \u2014 10 business days to report to OFAC',action:'Freeze transaction, block account, do NOT tip off customer (31 CFR \u00a7597.701), file SDN report within 10 business days'},FINCEN_SAR_SUSPICIOUS_ACTIVITY:{sla:'30 calendar days from detection',slack:'#compliance-critical',regulation:'31 USC \u00a75318(g) \u2014 tipping-off prohibition applies',action:'Do not alert customer. File SAR within 30 days. Retain records 5 years.'},NYDFS_BITLICENSE_CYBERSECURITY_INCIDENT:{sla:'72 hours \u2014 23 NYCRR \u00a7200.9(b)',slack:'#compliance-critical',regulation:'NYDFS 23 NYCRR Part 200 \u00a7200.9',action:'Notify NYDFS Superintendent within 72 hours. Preserve evidence. Engage counsel.'},EU_MICA_SERVICE_PROVIDER_INCIDENT:{sla:'72 hours \u2014 MiCA Art.70',slack:'#compliance-ops',regulation:'EU MiCA Regulation Art.70',action:'Notify relevant EU NCA within 72 hours. Document root cause.'},FATF_TRAVEL_RULE_VIOLATION:{sla:'Immediate \u2014 halt or reverse transaction',slack:'#compliance-critical',regulation:'FATF Recommendation 16 / 31 CFR \u00a71010.410(f)',action:'Do not complete transfer without Travel Rule data. Log missing fields. Report if suspicious.'},SEC_REGISTERED_ADVISOR_BREACH:{sla:'72 hours internal + Form ADV disclosure',slack:'#compliance-ops',regulation:'Investment Advisers Act 15 USC \u00a780b-1 / Form ADV Part 2A',action:'Document breach. Notify CCO. Update Form ADV. Consider SEC notification.'},DATA_BREACH_CRYPTO_USER_PII:{sla:'72 hours \u2014 GDPR Art.33 / NYDFS \u00a7500.17',slack:'#compliance-critical',regulation:'GDPR Art.33 / NYDFS Part 500 / state breach notification laws',action:'Notify DPA/NYDFS within 72 hours. Assess scope. Notify affected users if required.'},AML_PROGRAM_FAILURE_DETECTED:{sla:'30 days corrective action + SAR consideration',slack:'#compliance-ops',regulation:'31 CFR \u00a71020.210 \u2014 BSA AML program requirements',action:'Document gap. File SAR if suspicious activity involved. Remediate within 30 days.'}};const cfg=incidentMap[d.incident_type]||{sla:'Review required',slack:'#compliance-ops',regulation:'Unknown',action:'Escalate to CCO'};return [{json:{...d,sla:cfg.sla,slackChannel:cfg.slack,regulation:cfg.regulation,action:cfg.action,ts:new Date().toISOString()}}];"
}
},
{
"id": "3",
"name": "Slack Alert",
"type": "n8n-nodes-base.slack",
"typeVersion": 2,
"position": [
650,
200
],
"parameters": {
"channel": "={{$json.slackChannel}}",
"text": "=:rotating_light: CRYPTO COMPLIANCE INCIDENT: *{{$json.incident_type}}*\nSLA: {{$json.sla}}\nRegulation: {{$json.regulation}}\nAction: {{$json.action}}\nEntity: {{$json.entity_id}} | Amount: {{$json.amount_usd}} USD\nTimestamp: {{$json.ts}}"
}
},
{
"id": "4",
"name": "Gmail CISO & CCO",
"type": "n8n-nodes-base.gmail",
"typeVersion": 2,
"position": [
650,
340
],
"parameters": {
"operation": "send",
"toList": "ciso@yourcompany.com,cco@yourcompany.com",
"subject": "=CRYPTO COMPLIANCE INCIDENT: {{$json.incident_type}} \u2014 {{$json.sla}}",
"message": "=Incident type: {{$json.incident_type}}\nSLA clock: {{$json.sla}}\nRegulation: {{$json.regulation}}\nRequired action: {{$json.action}}\n\nEntity: {{$json.entity_id}}\nAmount: {{$json.amount_usd}} USD\nWallet: {{$json.wallet_address}}\nDetected: {{$json.ts}}\n\nThis notification is automatically generated. Engage legal counsel immediately for OFAC/SAR matters."
}
},
{
"id": "5",
"name": "Log Incident",
"type": "n8n-nodes-base.googleSheets",
"typeVersion": 4,
"position": [
650,
480
],
"parameters": {
"operation": "append",
"documentId": "YOUR_SHEET_ID",
"sheetName": "crypto_incident_log",
"columns": {
"mappingMode": "defineBelow",
"value": {
"ts": "={{$json.ts}}",
"incident_type": "={{$json.incident_type}}",
"entity_id": "={{$json.entity_id}}",
"amount_usd": "={{$json.amount_usd}}",
"sla": "={{$json.sla}}",
"regulation": "={{$json.regulation}}",
"action_taken": "pending",
"cco_notified": "True"
}
}
}
}
],
"connections": {
"Incident Webhook": {
"main": [
[
{
"node": "Classify Incident",
"type": "main",
"index": 0
}
]
]
},
"Classify Incident": {
"main": [
[
{
"node": "Slack Alert",
"type": "main",
"index": 0
},
{
"node": "Gmail CISO & CCO",
"type": "main",
"index": 0
},
{
"node": "Log Incident",
"type": "main",
"index": 0
}
]
]
}
}
}
Workflow 5: Weekly CryptoTech SaaS KPI Dashboard
Monday 8AM → Postgres KPI query → Build KPI Report (Code, WoW% via $getWorkflowStaticData) → Gmail CEO + BCC CISO/CCO → Slack #executive-summary
KPIs tracked: active customers, MRR, enterprise accounts, wallet addresses monitored, OFAC screenings (7d), SARs filed YTD, CTR filings YTD, Travel Rule transactions (7d).
{
"name": "Weekly CryptoTech SaaS KPI Dashboard",
"nodes": [
{
"id": "1",
"name": "Monday 8AM",
"type": "n8n-nodes-base.scheduleTrigger",
"typeVersion": 1,
"position": [
250,
300
],
"parameters": {
"rule": {
"interval": [
{
"field": "cronExpression",
"expression": "0 8 * * 1"
}
]
}
}
},
{
"id": "2",
"name": "Query KPIs",
"type": "n8n-nodes-base.postgres",
"typeVersion": 2,
"position": [
450,
300
],
"parameters": {
"operation": "executeQuery",
"query": "SELECT COUNT(DISTINCT customer_id) AS active_customers, SUM(mrr_usd) AS mrr_usd, COUNT(DISTINCT enterprise_id) AS enterprise_accounts, SUM(wallet_addresses_monitored) AS wallets_monitored, SUM(ofac_screenings_7d) AS ofac_screenings, SUM(sar_filings_ytd) AS sar_filed, SUM(ctr_filings_ytd) AS ctr_filed, SUM(travel_rule_7d) AS travel_rule_tx FROM cryptotech_metrics WHERE period_end >= NOW() - INTERVAL '7 days'"
}
},
{
"id": "3",
"name": "Build KPI Report",
"type": "n8n-nodes-base.code",
"typeVersion": 2,
"position": [
650,
300
],
"parameters": {
"jsCode": "const d=items[0].json;const prev=$getWorkflowStaticData('global');const mrrWoW=prev.mrr?(((d.mrr_usd-prev.mrr)/prev.mrr)*100).toFixed(1)+'%':'N/A';const custWoW=prev.customers?(((d.active_customers-prev.customers)/prev.customers)*100).toFixed(1)+'%':'N/A';const html=`<h2>CryptoTech SaaS Weekly KPIs</h2><table border='1' cellpadding='6'><tr><th>Metric</th><th>Value</th><th>WoW</th></tr><tr><td>Active Customers</td><td>${d.active_customers}</td><td>${custWoW}</td></tr><tr><td>MRR</td><td>$${Number(d.mrr_usd).toLocaleString()}</td><td>${mrrWoW}</td></tr><tr><td>Enterprise Accounts</td><td>${d.enterprise_accounts}</td><td>-</td></tr><tr><td>Wallet Addresses Monitored</td><td>${d.wallets_monitored?.toLocaleString()}</td><td>-</td></tr><tr><td>OFAC Screenings (7d)</td><td>${d.ofac_screenings?.toLocaleString()}</td><td>-</td></tr><tr><td>SARs Filed YTD</td><td>${d.sar_filed}</td><td>-</td></tr><tr><td>CTR Filings YTD</td><td>${d.ctr_filed}</td><td>-</td></tr><tr><td>Travel Rule Tx (7d)</td><td>${d.travel_rule_tx?.toLocaleString()}</td><td>-</td></tr></table>`;$getWorkflowStaticData('global').mrr=d.mrr_usd;$getWorkflowStaticData('global').customers=d.active_customers;return [{json:{...d,html,mrrWoW,custWoW}}];"
}
},
{
"id": "4",
"name": "Gmail CEO + BCC CISO",
"type": "n8n-nodes-base.gmail",
"typeVersion": 2,
"position": [
850,
300
],
"parameters": {
"operation": "send",
"toList": "ceo@yourcompany.com",
"bccList": "ciso@yourcompany.com,cco@yourcompany.com",
"subject": "=CryptoTech Weekly KPIs \u2014 MRR {{$json.mrrWoW}} WoW",
"message": "={{$json.html}}"
}
},
{
"id": "5",
"name": "Slack Summary",
"type": "n8n-nodes-base.slack",
"typeVersion": 2,
"position": [
850,
420
],
"parameters": {
"channel": "#executive-summary",
"text": "=:chart_with_upwards_trend: CryptoTech Weekly: {{$json.active_customers}} customers | MRR ${{$json.mrr_usd?.toLocaleString()}} ({{$json.mrrWoW}} WoW) | OFAC screenings: {{$json.ofac_screenings}} | SARs YTD: {{$json.sar_filed}} | Travel Rule tx: {{$json.travel_rule_tx}}"
}
}
],
"connections": {
"Monday 8AM": {
"main": [
[
{
"node": "Query KPIs",
"type": "main",
"index": 0
}
]
]
},
"Query KPIs": {
"main": [
[
{
"node": "Build KPI Report",
"type": "main",
"index": 0
}
]
]
},
"Build KPI Report": {
"main": [
[
{
"node": "Gmail CEO + BCC CISO",
"type": "main",
"index": 0
},
{
"node": "Slack Summary",
"type": "main",
"index": 0
}
]
]
}
}
}
12 CryptoTech Compliance Deadline Types
| Deadline Type | Window | Regulation |
|---|---|---|
FINCEN_SAR_SUSPICIOUS_ACTIVITY |
30 calendar days from detection | 31 USC §5318(g) |
FINCEN_CTR_CASH_TRANSACTION |
Next business day | 31 CFR §1010.311 |
FATF_TRAVEL_RULE_TRANSMISSION |
Immediate (before/simultaneous) | FATF R.16 / 31 CFR §1010.410(f) |
NYDFS_BITLICENSE_ANNUAL_REPORT |
March 15 annually | 23 NYCRR §200.7 |
NYDFS_BITLICENSE_CHANGE_CONTROL |
45 days advance notice | 23 NYCRR §200.11 |
NYDFS_CYBERSECURITY_INCIDENT |
72 hours | 23 NYCRR §200.9(b) |
SEC_FORM_ADV_ANNUAL_UPDATE |
90 days after fiscal year end | Investment Advisers Act |
CFTC_CPO_ANNUAL_REPORT |
90 days after fiscal year end | 17 CFR §4.22 |
EU_MICA_ART70_INCIDENT |
72 hours | EU MiCA Art.70 |
OFAC_SANCTIONS_MATCH_REPORT |
10 business days to file | 31 CFR §501.603 |
AML_PROGRAM_ANNUAL_REVIEW |
Annual | 31 CFR §1020.210 |
SOC2_TYPE2_RENEWAL |
Annual | AICPA SOC2 |
8 CryptoTech Incident Response SLAs
| Incident Type | SLA | Fastest Clock |
|---|---|---|
OFAC_SANCTIONS_MATCH |
IMMEDIATE freeze + 10 business days to report | YES — fastest |
FATF_TRAVEL_RULE_VIOLATION |
Immediate — halt transfer | YES (tied) |
FINCEN_SAR_SUSPICIOUS_ACTIVITY |
30 calendar days | No (30d) |
NYDFS_BITLICENSE_CYBERSECURITY_INCIDENT |
72 hours | No (72h) |
EU_MICA_SERVICE_PROVIDER_INCIDENT |
72 hours | No (72h) |
SEC_REGISTERED_ADVISOR_BREACH |
72 hours internal + Form ADV | No (72h) |
DATA_BREACH_CRYPTO_USER_PII |
72 hours (GDPR/NYDFS) | No (72h) |
AML_PROGRAM_FAILURE_DETECTED |
30 days corrective action | No (30d) |
The Self-Hosting Argument for CryptoTech SaaS
FinCEN Travel Rule (31 CFR §1010.410(f)) cloud exposure: FATF Recommendation 16 requires VASPs to collect originator name, account number, address, national identity number, and date of birth for transfers exceeding $3,000 — and transmit this data to the receiving VASP. When this PII flows through Zapier or Make's cloud servers, those platforms become processors of BSA-covered data with their own retention and breach notification obligations. A Zapier breach becomes your breach.
NYDFS 23 NYCRR §200.9(b) critical vendor dependency: BitLicense holders must maintain a BCDR plan covering all critical vendors. A cloud iPaaS that routes compliance workflows is a critical vendor. Zapier's March 2023 security incident (unauthorized access to source code repository) would have required assessment under §200.9 for every affected BitLicense holder. Self-hosted n8n eliminates this vendor risk entirely.
OFAC tipping-off prohibition (31 CFR §597.701): When your OFAC screening automation runs inside a third-party cloud, the SDN match alert and freeze instruction pass through servers you don't control. Any unauthorized disclosure — including a configuration error at the iPaaS provider — could violate the tipping-off prohibition. Self-hosted n8n keeps the entire OFAC response loop inside your perimeter.
Frequently Asked Questions
Q: Does FinCEN's Travel Rule apply to DeFi protocols?
FinCEN's 2021 CVC NPRM proposed expanding Travel Rule coverage to unhosted wallets. While the final rule is pending, DeFi protocols with identifiable operators increasingly face MSB classification risk. The automation stack should be Travel Rule-ready regardless.
Q: What is the fastest OFAC reporting clock?
The freeze must be immediate — before or simultaneous with the flagged transaction. The formal report to OFAC via blocked property report is within 10 business days (31 CFR §501.603). The immediate freeze clock is the fastest in the CryptoTech compliance stack.
Q: Does EU MiCA affect US-based CryptoTech vendors?
MiCA applies to crypto-asset service providers offering services to EU customers regardless of where the provider is headquartered. US vendors with EU users face MiCA Art.70 incident notification obligations (72 hours to the relevant National Competent Authority).
Q: Can n8n handle the FATF Travel Rule data transmission?
Yes. n8n's HTTP Request node can connect to Travel Rule solution providers (Notabene, Sygna, Chainalysis KYT) via API. The workflow captures originator/beneficiary data, submits to the Travel Rule API, and logs the transmission record for BSA recordkeeping — all inside your own infrastructure.
Get the Full Workflow Pack
All 5 workflows with import-ready JSON, a pre-built Google Sheets compliance tracker template, and a CryptoTech regulatory deadline calendar are available at stripeai.gumroad.com.
The complete FlowKit bundle includes workflows for CryptoTech, FinTech, RegTech, PropTech, LegalTech, and 220+ other verticals. Drop the JSON into your n8n instance and your compliance automation is live in minutes.
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