Onchain finance now moves over $700B monthly across $298B in stablecoins and $21B in tokenized real-world assets (RWAs), yet most transfers execute without pre-authorization. @NewtonProtocol fills this gap by introducing a Visa-like authorization layer where every transfer is evaluated against programmable Rego/OPA policies before it settles.
For stablecoins, a transfer can be policy-gated using AML checks and country limits: a policy can call an external sanctions oracle, verify jurisdiction via KYC attestations, and enforce per-transaction or rolling-window caps.This aligns with FATF guidance urging deny-lists, freeze tools, and risk-based limits on P2P stablecoin flows.
For RWAs, Newton enforces whitelist checks (accredited investor status), asset-custody criteria (approved custodians, segregated holdings), and transfer restrictions tied to regulatory regimes. These matter because RWAs carry legal ownership claims; improper transfers can breach securities laws or undermine investor protections. Newton’s whitepaper cites these use cases explicitly, from institutional DeFi to cross-border payments and agentic commerce