# Enable transfers of digital payment tokens

## About

<table><thead><tr><th width="324">Use Case Category</th><th>Use Case Scope</th></tr></thead><tbody><tr><td>Payments/Digital Asset Transactions</td><td>This use case involves a user transferring payment tokens to another user in a compliant way. The focus is on providing a safe and simple way to enable transfers of payment tokens and provide a framework for banks to interact with public and private blockchains and provide the associated functionalities for their customers. This can support cross-border remittance use cases or where payment token transfers can complement existing off-chain applications including scheduled payments or disbursements.</td></tr></tbody></table>

## Description

**Key Stakeholders:**

Retail users

**Story:**

1. Alice signs up with VASP A and provides identification and source of funds information.
2. VASP A onboards Alice after vetting her KYC/AML details against required standards.
3. Alice transfers regulated stablecoins to her compliant wallet provided by VASP A.
4. She can now view her holdings and transact using the vetted funds.
5. Transactions between two compliant users will meet KYC standards, whether on public or private chains.
6. The wallet ensures regulatory compliance for Alice's transactions across interconnected chains.

**Postconditions:**&#x20;

Alice is able to conduct digital asset transactions through her compliant wallet after verified onboarding. Transactions adhere to KYC/AML standards across public and private chains.

## Example Solution Provider

[Mastercard](https://qualitax.gitbook.io/crosschain-interoperability-research/solutions-providers/mastercard)


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