Your clients hold crypto you did not choose and ask about crypto you have not reviewed.
Ketju reviews each holding and writes the file compliance asks for.
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For each on-chain holding, Ketju reports what it is, who backs it, who can freeze it, and Ketju’s verdict. Ketju checks every holding each day and emails you when one of those answers changes. Each client gets a dated file that you can hand to compliance.
One household, two holdings
A sample client: a US person, accredited, holding through an IRA. The wallet holds PAXG and BUIDL. Each line below comes from the issuer’s documents and gives the source and the date Ketju read it.
| Holding | What it is | Eligibility | Who can freeze it |
|---|---|---|---|
| PAXG Commodity |
Beneficial ownership of one fine troy ounce of London Good Delivery gold per token, held as allocated bars by Paxos Trust in segregated accounts at LBMA vaults in London. | Not stated The issuer onboards individuals and entities and does not mention retirement accounts. The IRA custodian decides whether it can hold PAXG. Source: Paxos: General Terms and Conditions (last modified December 12, 2025), read September 23, 2026. |
Paxos may freeze any holder’s PAXG and the gold behind it, customer or not: on a legal directive, on a partner’s notice, or in its sole discretion. Under a binding legal order it may seize the tokens to a Paxos wallet. On the chain, a single key controls the freeze function. |
| BUIDL Treasury fund |
Share of a British Virgin Islands private fund holding cash, U.S. Treasury bills, and repurchase agreements; I Class share of the same British Virgin Islands fund; one token is one share at a stable $1.00. | Does not qualify The fund requires a qualified purchaser; the client record says accredited. |
Securitize says its smart contracts can seize or burn tokens to fix minting or allocation errors. On the chain, a single key controls the freeze function. |
Ketju reads the wallet every day. When a term, a key holder, or a verdict changes, you get an email that names the client.
A page for each holding
Each page states what the holding is, who backs it, who can freeze it, how the client sells or redeems it, and Ketju’s verdict with the reason. Paste a statement or a wallet address, and your first client is on screen in five minutes.
Approved protocols
Ketju has reviewed 714 protocols and approves 15 of them with limits. Each memo states the limits and the reasons. The memos on the other 699 state why Ketju does not approve them.
| Aave v3 Dollar lending | Approved with limits |
| Morpho Blue (curated vaults) Dollar lending | Approved with limits |
| Lido (stETH) ETH staking | Approved with limits |
| Sky (formerly Maker) savings Dollar lending | Approved with limits |
Ketju keeps a file on each of 95 tokenized programs: what the holder owns, who may hold it, and who can freeze it. 15 of 714 on-chain protocols are approved with limits. Ketju researched 245 of them one by one and applied published class rules to the rest. Every file and memo is public in the Register →