Loop'D operates a tiered compliance and access model in strict accordance with Swiss FINMA, EU AMLD5, and US FinCEN regulations. Every tier unlocks specific purchasing volumes, box opening privileges, and investment categories.

Because tokens on the Loop'D Ledger are ERC-3643 permissioned assets, your identity claim is verified directly on-chain. When you buy, sell, or invest, the smart contract checks that your account meets the qualification criteria before the transaction settles.

Collector Tier (Level 1): Activated upon email and SMS verification. Allows browsing, adding items to watchlists, opening mystery boxes up to $250 in value, and secondary market purchases up to $2,500 per month.

Verified Tier (Level 2): Requires automated government photo ID verification and biometric liveness detection (takes approximately 3 minutes). Unlocks unlimited secondary marketplace purchases, all mystery boxes, offerings marked 'Verified', and fiat bank withdrawals.

Accredited Tier (Level 3): Requires proof of accredited investor status (annual income exceeding $200,000 individually / $300,000 joint for two years, or net worth exceeding $1,000,000 excluding primary residence, or Swiss/EU qualified investor certification). Unlocks all fractional real estate, private equity offerings, early access drop windows, and higher limits.

Institutional Tier (Level 4): For legal entities, family offices, trusts, and commercial sponsors. Requires comprehensive KYB, beneficial ownership disclosure, and institutional custody onboarding.