# Merkle Compliance UTXO

## Introduction

Fairway provides a compliance layer for **Cardano DeFi** using a **Merkle-root UTXO**.

Instead of minting identity tokens, all eligible addresses + claims are committed into a Merkle tree.

The **Compliance UTXO** anchors this state with:

* `merkle_root` → commitment to all compliant users
* `kyc_verified_at` → timestamp of last KYC check
* `sanctions_epoch` → counter for sanctions/risk updates
* `midnight_ref` → link to Midnight proof UTXO
* `fairway_sig` → Fairway’s signature over the state


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.fairway.global/developers/build-on-cardano/merkle-compliance-utxo.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.