UAE Federal Decree-Law No. 10/2025 (AML/CFT/CPF) — Compliance Deadline:
September 16, 2026
Penalties up to AED 100M. No statute of limitations.Check Your Level →
Complete AML Compliance for DMCC Traders, From $499/mo
CDD, EDD, sanctions screening, PEP checks, UBO mapping, risk
assessment, ongoing monitoring, and record keeping — everything
UAE Federal Decree-Law 10/2025 requires. Bilingual EN/AR reports.
One counterparty. Full report. 48 hours. Zero obligation.
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Built for 26,000+ DMCC-registered companies
DMCC Free Zone
CBUAE Aligned
FATF Compliant
goAML / FIU Ready
26,000+
DMCC Companies Targeted
200+
Sanctions Lists
190+
Countries Covered
13/19
Legal Obligations Automated
Screening Data Sources
S
Sumsub
C
ComplyAdvantage
●
OFAC SDN
★
EU Sanctions
◆
UN Consolidated
◇
UK OFSI
The Cost of Getting It Wrong
The New Law Has Teeth
Federal Decree-Law No. 10/2025 raised every penalty. There is no
statute of limitations.
AED 100M
Maximum Fine
Per violation. Companies face AED 5M–100M under the new law.
10 yrs
Imprisonment
Directors and managers face personal criminal liability.
78%
CEOs Cite This Pain
Counterparty data is the #1 compliance obstacle.
— Fenergo 2024
∞
No Statute of Limitations
Historical non-compliance can still be prosecuted. The clock never
stops.
License Revocation
Your DMCC license
Entity Dissolution
Company shut down
Personal Liability
Directors & managers
The Compliance Gap
The Reality for DMCC Traders
Common pain points across the commodity trading floor.
"
Scenario A
Manual, paper-based onboarding —
countless back-and-forth emails
chasing documents across jurisdictions. Customers abandon the
process before we even close. The compliance burden is killing
our deal flow.
Precious Metals Trader
DMCC-Registered · 50+ Counterparties · Dubai
"
Scenario B
We're a
lean trading house
— no compliance department. After the new Decree-Law, our
auditor said our CDD files wouldn't survive an inspection. We
need someone to just handle it.
Oil & Petrochemicals Trader
DMCC-Registered · 15 Staff · No Compliance Dept
"
Scenario C
AED 42 million in fines
in the first half of 2025 alone — against firms just like ours.
Surprise inspections are real. We need audit-ready reports we
can hand over on the spot, not a filing cabinet.
Energy Trading House
DMCC-Registered · Multi-Commodity · Dubai
Composite scenarios based on common DMCC trader compliance
challenges — AED 42M enforcement figure: UAE Ministry of Economy
H1 2025
Full Platform Coverage
Every Obligation the Law Requires
Federal Decree-Law 10/2025 has 19 obligation categories. DueDiloo
covers the 13 that matter most to DMCC commodity traders —
automated, bilingual, audit-ready.
✓
Customer Due Diligence (CDD)
Identity verification, business registration, source of funds —
standard checks for every counterparty.
✓
Enhanced Due Diligence (EDD)
Deep-dive for high-risk counterparties: source of wealth, complex
structures, high-risk jurisdictions.
✓
Sanctions / TFS Screening
Real-time screening against 200+ global sanctions lists. OFAC, EU,
UN, UK OFSI, UAE Local Lists.
✓
PEP Screening
Politically exposed persons identification across domestic,
foreign, and international organization categories.
✓
UBO Identification
Beneficial ownership traced to 10%+ holders — DMCC's stricter
threshold, not just the federal 25%.
✓
Enterprise Risk Assessment
Weighted risk scoring across customer, geographic, product,
delivery channel, and transaction risk factors.
✓
Ongoing Monitoring
Continuous screening with alerts on sanctions changes, adverse
media, ownership changes, and risk shifts.
✓
Record Keeping (5yr)
All checks, reports, and supporting documents stored for the full
5-year mandatory retention period.
✓
Wire Transfer Compliance
Originator and beneficiary information tracking for cross-border
commodity payments.
✓
STR/SAR Support
Suspicious transaction flagging with pre-formatted reports ready
for goAML/FIU submission.
✓
Third-Party Reliance
Article 6.6 compliant — your counterparties can rely on DueDiloo
checks for their own CDD obligations.
✓
DPMS Transaction Monitoring
Precious metals & stones threshold tracking at AED 55,000 — DMCC's
specific DPMS requirements.
✓
Bilingual EN/AR Reports
Every report generated in English and Arabic. No translation
costs. Court-ready and regulator-accepted.
Remaining 6 obligations (compliance officer
appointment, staff training, simplified due diligence, correspondent
relationships, new technologies/PF assessment, senior management
accountability) are operational requirements — DueDiloo provides
guidance templates and compliance frameworks for these.
Every check produces a comprehensive compliance report in English
and Arabic — covering sanctions, PEP, UBO, risk scoring, and
adverse media. Court-ready. Regulator-accepted. No translation
costs.
✓
Bilingual EN/AR — Arabic mandatory for UAE court
submissions
✓
200+ sanctions lists (OFAC, EU, UN, UK OFSI, UAE Local)
✓
PEP identification with risk classification
✓
UBO traced to 10%+ (DMCC threshold, not federal 25%)
✓
Enterprise risk score with clear recommendation
✓
PDF export — hand it to your regulator as-is
✓
Saves AED 1,500–3,000 per report in translation costs
For active traders with complex counterparty networks
100 counterparty checks/month
Full 13-obligation coverage
EDD for high-risk counterparties
Ongoing monitoring & alerts
STR/SAR pre-formatted reports
Enterprise risk assessment
DPMS transaction monitoring
Priority support
Enterprise
$2,999/mo
For trading houses and firms with 250+ counterparties
Unlimited counterparty checks
Full 13-obligation coverage
API access for ERP integration
Dedicated compliance advisor
Custom risk scoring models
Multi-user dashboard
goAML/FIU direct integration
White-label reports
Questions
Frequently Asked Questions
Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering,
Countering the Financing of Terrorism, and Countering
Proliferation Financing replaced the previous DL 20/2018 in
October 2025. It raises maximum fines to AED 100M, introduces
personal criminal liability for directors, removes the statute of
limitations, and adds proliferation financing as a standalone
offense. All UAE businesses — including DMCC free zone entities —
must comply by September 16, 2026.
Your free check covers one counterparty with full sanctions
screening (200+ lists including OFAC, EU, UN, UK OFSI), PEP
identification, beneficial ownership analysis (traced to DMCC's
10%+ threshold), adverse media scan, and a weighted risk score.
You receive a bilingual EN/AR audit-ready PDF report within 48
hours.
Arabic is legally required for all UAE government and court
submissions. Most compliance platforms only offer English reports,
forcing traders to pay AED 1,500–3,000 per certified translation.
DueDiloo generates both English and Arabic versions as standard —
court-ready, regulator-accepted, zero translation costs.
DueDiloo automates CDD, EDD, sanctions/TFS screening, PEP
screening, UBO identification, enterprise risk assessment, ongoing
monitoring, record keeping (5yr), wire transfer compliance,
STR/SAR support, third-party reliance, DPMS transaction
monitoring, and bilingual reporting. The remaining 6 operational
obligations (compliance officer appointment, staff training, SDD,
correspondent relationships, new technologies/PF, senior
management accountability) come with guidance templates.
Enterprise platforms like Fenergo ($50K–$500K/year) cover 3-4
obligations. DueDiloo covers 13 obligations at SME pricing
starting at $499/month — with bilingual reports no competitor
offers as standard. No implementation required. Submit a
counterparty, receive your report.
Yes. Reports include timestamped screening results, source
attributions, risk scoring methodology, and compliance
recommendations — in both English and Arabic. Under Article 6.6 of
the CBUAE Rulebook, your counterparties can also rely on DueDiloo
reports for their own CDD obligations (third-party reliance).
Free checks are delivered within 48 hours via email as a bilingual
PDF report. Platform subscribers get automated screening results
in under 5 minutes. Both include the same comprehensive coverage
across all 13 obligation areas.
Free Compliance Check
See What Your Report Looks Like
One counterparty. Full audit-ready report. Delivered within 48
hours. Zero obligation.
Request Received ✓
Your compliance report will be delivered within 48 hours. Check
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