All aarna tokenized assets are issued as ERC-3643 permissioned digital tokens. The standard enforces compliance at the token level: transfers execute only between wallets holding valid identity claims. The compliance layer is built into the token contract itself, not bolted on around it.

In practice: an ICT token cannot be transferred to an unverified wallet. Secondary trading, when enabled, respects the same identity and jurisdiction rules as primary issuance. Selected transfer and eligibility controls are programmable and auditable.

Investor identity is managed through ONCHAINID, a decentralised identity standard integrated with ERC-3643. On completing Sumsub KYC, identity claims are issued on-chain - accredited status, jurisdiction, AML clearance - portable across any ERC-3643 asset aarna issues.

ICT's net asset value is certified on a defined cycle, aligned with the reporting cadence of the underlying funds, and published onchain through a multi-signature attestation process, so pricing is transparent and independently verifiable.

aTARS is aarna's production multi-agent system. Risk analytics and curation over the underlying credit portfolio is planned, introduced progressively through the sandbox: concentration, security cover, tenor, delinquency signals, hedged exposure and stress behaviour.

Signals surface for human review. It does not select funds, size allocations or commit capital.