diff --git a/app/api/compliance/status/route.ts b/app/api/compliance/status/route.ts
new file mode 100644
index 0000000..9054ac5
--- /dev/null
+++ b/app/api/compliance/status/route.ts
@@ -0,0 +1,28 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/server-auth";
+import { ComplianceService } from "@/lib/services/compliance";
+import { TermsService } from "@/lib/services/terms";
+
+export async function GET(request: NextRequest) {
+    try {
+        const user = await getCurrentUser();
+        if (!user) {
+            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+        }
+
+        const compliance = await ComplianceService.getUserCompliance(user.id);
+        const remaining = await ComplianceService.getRemainingLimits(user.id);
+        const termsStatus = await TermsService.getUserTermsStatus(user.id);
+        const nextTier = ComplianceService.getNextTier(compliance.currentTier);
+
+        return NextResponse.json({
+            compliance,
+            remaining,
+            termsStatus,
+            nextTier,
+        });
+    } catch (error) {
+        console.error("Error fetching compliance status:", error);
+        return NextResponse.json({ error: "Internal Server Error" }, { status: 500 });
+    }
+}
diff --git a/app/api/compliance/terms/route.ts b/app/api/compliance/terms/route.ts
new file mode 100644
index 0000000..22ab0e5
--- /dev/null
+++ b/app/api/compliance/terms/route.ts
@@ -0,0 +1,35 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/server-auth";
+import { TermsService } from "@/lib/services/terms";
+
+export async function GET(request: NextRequest) {
+    try {
+        const terms = await TermsService.getCurrentTermsVersion();
+        return NextResponse.json(terms);
+    } catch (error) {
+        return NextResponse.json({ error: "Failed to fetch terms" }, { status: 500 });
+    }
+}
+
+export async function POST(request: NextRequest) {
+    try {
+        const user = await getCurrentUser();
+        if (!user) {
+            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+        }
+
+        const { termsVersionId } = await request.json();
+        const ip = request.headers.get('x-forwarded-for') || '0.0.0.0';
+        const userAgent = request.headers.get('user-agent') || 'unknown';
+
+        const acceptance = await TermsService.acceptTerms(user.id, termsVersionId, {
+            ipAddress: ip,
+            userAgent,
+        });
+
+        return NextResponse.json(acceptance);
+    } catch (error) {
+        console.error("Error accepting terms:", error);
+        return NextResponse.json({ error: "Failed to accept terms" }, { status: 500 });
+    }
+}
diff --git a/app/api/compliance/upgrade/route.ts b/app/api/compliance/upgrade/route.ts
new file mode 100644
index 0000000..c54ad2e
--- /dev/null
+++ b/app/api/compliance/upgrade/route.ts
@@ -0,0 +1,41 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/server-auth";
+import { VerificationService } from "@/lib/services/verification";
+
+export async function POST(request: NextRequest) {
+    try {
+        const user = await getCurrentUser();
+        if (!user) {
+            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+        }
+
+        const { targetTier } = await request.json();
+
+        const verificationRequest = await VerificationService.createVerificationRequest(
+            user.id,
+            targetTier
+        );
+
+        return NextResponse.json(verificationRequest);
+    } catch (error: any) {
+        console.error("Error creating verification request:", error);
+        return NextResponse.json(
+            { error: error.message || "Failed to create verification request" },
+            { status: 400 }
+        );
+    }
+}
+
+export async function GET(request: NextRequest) {
+    try {
+        const user = await getCurrentUser();
+        if (!user) {
+            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+        }
+
+        const status = await VerificationService.getVerificationStatus(user.id);
+        return NextResponse.json(status);
+    } catch (error) {
+        return NextResponse.json({ error: "Failed to fetch verification status" }, { status: 500 });
+    }
+}
diff --git a/app/api/withdrawal/submit/route.ts b/app/api/withdrawal/submit/route.ts
new file mode 100644
index 0000000..ce43753
--- /dev/null
+++ b/app/api/withdrawal/submit/route.ts
@@ -0,0 +1,31 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/server-auth";
+import { WithdrawalService } from "@/lib/services/withdrawal";
+
+export async function POST(request: NextRequest) {
+    try {
+        const user = await getCurrentUser();
+        if (!user) {
+            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+        }
+
+        const { amount, currency, destinationId } = await request.json();
+        const ip = request.headers.get('x-forwarded-for') || '0.0.0.0';
+
+        const withdrawal = await WithdrawalService.submit(
+            user.id,
+            amount,
+            currency,
+            destinationId,
+            ip
+        );
+
+        return NextResponse.json(withdrawal);
+    } catch (error: any) {
+        console.error("Error submitting withdrawal:", error);
+        return NextResponse.json(
+            { error: error.message || "Withdrawal failed" },
+            { status: 400 }
+        );
+    }
+}
diff --git a/app/api/withdrawal/validate/route.ts b/app/api/withdrawal/validate/route.ts
new file mode 100644
index 0000000..ebabf0c
--- /dev/null
+++ b/app/api/withdrawal/validate/route.ts
@@ -0,0 +1,22 @@
+import { NextRequest, NextResponse } from "next/server";
+import { getCurrentUser } from "@/lib/server-auth";
+import { WithdrawalService } from "@/lib/services/withdrawal";
+
+export async function POST(request: NextRequest) {
+    try {
+        const user = await getCurrentUser();
+        if (!user) {
+            return NextResponse.json({ error: "Unauthorized" }, { status: 401 });
+        }
+
+        const { amount } = await request.json();
+        const ip = request.headers.get('x-forwarded-for') || '0.0.0.0';
+
+        const validation = await WithdrawalService.validate(user.id, amount, ip);
+
+        return NextResponse.json(validation);
+    } catch (error) {
+        console.error("Error validating withdrawal:", error);
+        return NextResponse.json({ error: "Validation failed" }, { status: 500 });
+    }
+}
diff --git a/app/wallet/page.tsx b/app/wallet/page.tsx
index 128d4b7..565d264 100644
--- a/app/wallet/page.tsx
+++ b/app/wallet/page.tsx
@@ -12,14 +12,14 @@ import { Tabs, TabsContent, TabsList, TabsTrigger } from "@/components/ui/tabs";
 export default function WalletPage() {
     return (
         <div className="container mx-auto max-w-6xl px-4 py-8 space-y-8">
-            <div className="flex flex-col gap-2">
+            <div className="flex flex-col gap-2 text-center lg:text-left">
                 <h1 className="text-3xl font-bold tracking-tight">Wallet</h1>
                 <p className="text-muted-foreground">
                     Manage your earnings, assets, and withdrawals.
                 </p>
             </div>
 
-            <div className="grid gap-8 lg:grid-cols-3">
+            <div className="grid gap-8 lg:grid-cols-3 justify-items-center lg:justify-items-stretch">
                 <div className="lg:col-span-2 space-y-8">
                     <BalanceCard walletInfo={mockWalletWithAssets} />
 
diff --git a/components/compliance/appeal-dialog.tsx b/components/compliance/appeal-dialog.tsx
new file mode 100644
index 0000000..3cbbcd1
--- /dev/null
+++ b/components/compliance/appeal-dialog.tsx
@@ -0,0 +1,96 @@
+"use client";
+
+import { useState } from "react";
+import { Dialog, DialogContent, DialogDescription, DialogFooter, DialogHeader, DialogTitle } from "@/components/ui/dialog";
+import { Button } from "@/components/ui/button";
+import { Label } from "@/components/ui/label";
+import { Textarea } from "@/components/ui/textarea";
+import { AppealService } from "@/lib/services/appeal";
+
+interface AppealDialogProps {
+    open: boolean;
+    onOpenChange: (open: boolean) => void;
+    verificationRequestId: string;
+    userId: string;
+    rejectionReason?: string;
+}
+
+export function AppealDialog({ open, onOpenChange, verificationRequestId, userId, rejectionReason }: AppealDialogProps) {
+    const [reason, setReason] = useState("");
+    const [additionalInfo, setAdditionalInfo] = useState("");
+    const [submitting, setSubmitting] = useState(false);
+
+    const handleSubmit = async () => {
+        if (!reason.trim()) return;
+
+        setSubmitting(true);
+        try {
+            await AppealService.submitAppeal(userId, verificationRequestId, reason, additionalInfo);
+            alert('Appeal submitted successfully. Our team will review it within 3-5 business days.');
+            onOpenChange(false);
+            setReason("");
+            setAdditionalInfo("");
+        } catch (error: any) {
+            alert(error.message || 'Failed to submit appeal');
+        } finally {
+            setSubmitting(false);
+        }
+    };
+
+    return (
+        <Dialog open={open} onOpenChange={onOpenChange}>
+            <DialogContent className="max-w-lg">
+                <DialogHeader>
+                    <DialogTitle>Appeal Verification Decision</DialogTitle>
+                    <DialogDescription>
+                        Explain why you believe the rejection should be reconsidered.
+                    </DialogDescription>
+                </DialogHeader>
+
+                <div className="space-y-4">
+                    {rejectionReason && (
+                        <div className="bg-muted/50 rounded-lg p-3">
+                            <p className="text-sm font-medium mb-1">Original Rejection Reason:</p>
+                            <p className="text-sm text-muted-foreground">{rejectionReason}</p>
+                        </div>
+                    )}
+
+                    <div className="space-y-2">
+                        <Label htmlFor="reason">Why should we reconsider?</Label>
+                        <Textarea
+                            id="reason"
+                            placeholder="Explain your situation..."
+                            className="min-h-[100px]"
+                            value={reason}
+                            onChange={(e) => setReason(e.target.value)}
+                            required
+                        />
+                    </div>
+
+                    <div className="space-y-2">
+                        <Label htmlFor="additionalInfo">Additional Information (Optional)</Label>
+                        <Textarea
+                            id="additionalInfo"
+                            placeholder="Any additional context..."
+                            className="min-h-[80px]"
+                            value={additionalInfo}
+                            onChange={(e) => setAdditionalInfo(e.target.value)}
+                        />
+                    </div>
+                </div>
+
+                <DialogFooter>
+                    <Button variant="outline" onClick={() => onOpenChange(false)}>
+                        Cancel
+                    </Button>
+                    <Button
+                        onClick={handleSubmit}
+                        disabled={!reason.trim() || submitting}
+                    >
+                        {submitting ? 'Submitting...' : 'Submit Appeal'}
+                    </Button>
+                </DialogFooter>
+            </DialogContent>
+        </Dialog>
+    );
+}
diff --git a/components/compliance/document-upload.tsx b/components/compliance/document-upload.tsx
new file mode 100644
index 0000000..bf932a7
--- /dev/null
+++ b/components/compliance/document-upload.tsx
@@ -0,0 +1,112 @@
+"use client";
+
+import { useState } from "react";
+import { Button } from "@/components/ui/button";
+import { Label } from "@/components/ui/label";
+import { Upload, X, FileText, CheckCircle } from "lucide-react";
+import { DocumentType } from "@/types/compliance";
+
+interface DocumentUploadProps {
+    type: DocumentType;
+    label: string;
+    onUpload: (file: File) => Promise<void>;
+    uploaded?: boolean;
+}
+
+const acceptedTypes: Record<DocumentType, string> = {
+    GOVERNMENT_ID: "image/*,.pdf",
+    PROOF_OF_ADDRESS: "image/*,.pdf",
+    SELFIE: "image/*",
+    ADDITIONAL: "image/*,.pdf",
+};
+
+export function DocumentUpload({ type, label, onUpload, uploaded }: DocumentUploadProps) {
+    const [file, setFile] = useState<File | null>(null);
+    const [uploading, setUploading] = useState(false);
+    const [error, setError] = useState<string | null>(null);
+
+    const handleFileChange = async (e: React.ChangeEvent<HTMLInputElement>) => {
+        const selectedFile = e.target.files?.[0];
+        if (!selectedFile) return;
+
+        if (selectedFile.size > 10 * 1024 * 1024) {
+            setError("File too large. Max 10MB.");
+            return;
+        }
+
+        setFile(selectedFile);
+        setError(null);
+
+        setUploading(true);
+        try {
+            await onUpload(selectedFile);
+        } catch (err: any) {
+            setError(err.message || "Upload failed");
+        } finally {
+            setUploading(false);
+        }
+    };
+
+    const clearFile = () => {
+        setFile(null);
+        setError(null);
+    };
+
+    return (
+        <div className="space-y-2">
+            <Label>{label}</Label>
+
+            {!file && !uploaded && (
+                <label className="flex flex-col items-center justify-center w-full h-32 border-2 border-dashed rounded-lg cursor-pointer hover:bg-muted/50 transition-colors">
+                    <div className="flex flex-col items-center justify-center pt-5 pb-6">
+                        <Upload className="w-8 h-8 mb-2 text-muted-foreground" />
+                        <p className="text-sm text-muted-foreground">
+                            Click to upload or drag and drop
+                        </p>
+                        <p className="text-xs text-muted-foreground mt-1">
+                            PNG, JPG, PDF (max 10MB)
+                        </p>
+                    </div>
+                    <input
+                        type="file"
+                        className="hidden"
+                        accept={acceptedTypes[type]}
+                        onChange={handleFileChange}
+                        disabled={uploading}
+                    />
+                </label>
+            )}
+
+            {(file || uploaded) && (
+                <div className="flex items-center justify-between p-3 border rounded-lg">
+                    <div className="flex items-center gap-2">
+                        {uploaded ? (
+                            <CheckCircle className="w-5 h-5 text-green-500" />
+                        ) : (
+                            <FileText className="w-5 h-5" />
+                        )}
+                        <div className="text-sm">
+                            <p className="font-medium">{file?.name || "Document uploaded"}</p>
+                            <p className="text-xs text-muted-foreground">
+                                {uploaded ? "Verified" : uploading ? "Uploading..." : "Ready"}
+                            </p>
+                        </div>
+                    </div>
+                    {!uploaded && !uploading && (
+                        <Button
+                            variant="ghost"
+                            size="sm"
+                            onClick={clearFile}
+                        >
+                            <X className="w-4 h-4" />
+                        </Button>
+                    )}
+                </div>
+            )}
+
+            {error && (
+                <p className="text-xs text-destructive">{error}</p>
+            )}
+        </div>
+    );
+}
diff --git a/components/compliance/hold-message.tsx b/components/compliance/hold-message.tsx
new file mode 100644
index 0000000..eb1a367
--- /dev/null
+++ b/components/compliance/hold-message.tsx
@@ -0,0 +1,48 @@
+"use client";
+
+import { Alert, AlertDescription, AlertTitle } from "@/components/ui/alert";
+import { AlertCircle, Ban, Shield } from "lucide-react";
+import { ComplianceHoldState } from "@/types/compliance";
+
+interface HoldMessageProps {
+    holdState: ComplianceHoldState;
+    reason?: string;
+}
+
+export function HoldMessage({ holdState, reason }: HoldMessageProps) {
+    if (holdState === 'NONE') return null;
+
+    const config = {
+        REVIEW: {
+            icon: Shield,
+            variant: 'default' as const,
+            title: 'Account Under Review',
+            description: 'Your account is currently under review. Withdrawals are temporarily paused.',
+        },
+        SUSPENDED: {
+            icon: AlertCircle,
+            variant: 'destructive' as const,
+            title: 'Account Suspended',
+            description: 'Your account has been suspended. Please contact support for more information.',
+        },
+        BLOCKED: {
+            icon: Ban,
+            variant: 'destructive' as const,
+            title: 'Account Blocked',
+            description: 'Withdrawals are blocked on your account. Please contact support immediately.',
+        },
+    };
+
+    const { icon: Icon, variant, title, description } = config[holdState];
+
+    return (
+        <Alert variant={variant}>
+            <Icon className="h-4 w-4" />
+            <AlertTitle>{title}</AlertTitle>
+            <AlertDescription>
+                {description}
+                {reason && <div className="mt-2 text-sm">Reason: {reason}</div>}
+            </AlertDescription>
+        </Alert>
+    );
+}
diff --git a/components/compliance/limits-display.tsx b/components/compliance/limits-display.tsx
new file mode 100644
index 0000000..d93fc64
--- /dev/null
+++ b/components/compliance/limits-display.tsx
@@ -0,0 +1,101 @@
+"use client";
+
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { ArrowUp } from "lucide-react";
+import { KYCTier } from "@/types/compliance";
+import { useComplianceStatus } from "@/hooks/use-compliance";
+
+interface LimitsDisplayProps {
+    onUpgradeClick?: () => void;
+}
+
+const tierColors: Record<KYCTier, string> = {
+    UNVERIFIED: 'bg-gray-500',
+    BASIC: 'bg-blue-500',
+    VERIFIED: 'bg-green-500',
+    ENHANCED: 'bg-purple-500',
+};
+
+const formatCurrency = (amount: number) =>
+    new Intl.NumberFormat("en-US", { style: "currency", currency: "USD" }).format(amount);
+
+export function LimitsDisplay({ onUpgradeClick }: LimitsDisplayProps) {
+    const { data, isLoading } = useComplianceStatus();
+
+    if (isLoading) {
+        return <div className="text-sm text-muted-foreground">Loading limits...</div>;
+    }
+
+    if (!data) return null;
+
+    const { compliance, remaining, nextTier } = data;
+
+    return (
+        <div className="space-y-4">
+            <div className="flex flex-col gap-3">
+                <div className="flex items-center gap-2">
+                    <span className="text-sm font-medium">Verification Tier:</span>
+                    <Badge className={tierColors[compliance.currentTier]}>
+                        {compliance.currentTier}
+                    </Badge>
+                </div>
+                {nextTier && onUpgradeClick && (
+                    <Button size="sm" variant="outline" onClick={onUpgradeClick} className="w-full">
+                        <ArrowUp className="h-3 w-3 mr-1" />
+                        Upgrade to {nextTier}
+                    </Button>
+                )}
+            </div>
+
+            <div className="space-y-3">
+                <LimitBar
+                    label="Daily Limit"
+                    used={compliance.usage.dailyUsed}
+                    total={compliance.limits.daily}
+                    remaining={remaining.daily}
+                    percent={remaining.percentUsed.daily}
+                />
+                <LimitBar
+                    label="Weekly Limit"
+                    used={compliance.usage.weeklyUsed}
+                    total={compliance.limits.weekly}
+                    remaining={remaining.weekly}
+                    percent={remaining.percentUsed.weekly}
+                />
+                <LimitBar
+                    label="Monthly Limit"
+                    used={compliance.usage.monthlyUsed}
+                    total={compliance.limits.monthly}
+                    remaining={remaining.monthly}
+                    percent={remaining.percentUsed.monthly}
+                />
+            </div>
+        </div>
+    );
+}
+
+function LimitBar({ label, used, total, remaining, percent }: {
+    label: string;
+    used: number;
+    total: number;
+    remaining: number;
+    percent: number;
+}) {
+    return (
+        <div>
+            <div className="flex justify-between text-sm mb-1">
+                <span className="text-muted-foreground">{label}</span>
+                <span className="font-medium">
+                    {formatCurrency(remaining)} / {formatCurrency(total)}
+                </span>
+            </div>
+            <div className="w-full bg-muted rounded-full h-2">
+                <div
+                    className="bg-primary h-2 rounded-full transition-all"
+                    style={{ width: `${Math.min(100, percent)}%` }}
+                />
+            </div>
+        </div>
+    );
+}
diff --git a/components/compliance/terms-dialog.tsx b/components/compliance/terms-dialog.tsx
new file mode 100644
index 0000000..f8823d7
--- /dev/null
+++ b/components/compliance/terms-dialog.tsx
@@ -0,0 +1,88 @@
+"use client";
+
+import { useState, useEffect } from "react";
+import { Dialog, DialogContent, DialogDescription, DialogFooter, DialogHeader, DialogTitle } from "@/components/ui/dialog";
+import { Button } from "@/components/ui/button";
+import { Checkbox } from "@/components/ui/checkbox";
+import { useQuery } from "@tanstack/react-query";
+import { get } from "@/lib/api/client";
+import { TermsVersion } from "@/types/terms";
+import { useAcceptTerms } from "@/hooks/use-compliance";
+
+interface TermsDialogProps {
+    open: boolean;
+    onOpenChange?: (open: boolean) => void;
+    onAccepted: () => void;
+}
+
+export function TermsDialog({ open, onOpenChange, onAccepted }: TermsDialogProps) {
+    const [agreed, setAgreed] = useState(false);
+    const [scrolled, setScrolled] = useState(false);
+
+    const { data: terms } = useQuery({
+        queryKey: ['terms'],
+        queryFn: () => get<TermsVersion>('/api/compliance/terms'),
+    });
+
+    const acceptMutation = useAcceptTerms();
+
+    const handleAccept = async () => {
+        if (!terms || !agreed) return;
+
+        try {
+            await acceptMutation.mutateAsync(terms.id);
+            onAccepted();
+        } catch (error) {
+            console.error('Failed to accept terms:', error);
+        }
+    };
+
+    const handleScroll = (e: React.UIEvent<HTMLDivElement>) => {
+        const target = e.target as HTMLDivElement;
+        const bottom = target.scrollHeight - target.scrollTop <= target.clientHeight + 50;
+        if (bottom) setScrolled(true);
+    };
+
+    return (
+        <Dialog open={open} onOpenChange={onOpenChange}>
+            <DialogContent className="max-w-2xl max-h-[80vh] flex flex-col">
+                <DialogHeader>
+                    <DialogTitle>{terms?.title || 'Terms and Conditions'}</DialogTitle>
+                    <DialogDescription>
+                        Please review and accept the terms to continue with withdrawals.
+                    </DialogDescription>
+                </DialogHeader>
+
+                <div
+                    className="flex-1 overflow-y-auto border rounded p-4 text-sm"
+                    onScroll={handleScroll}
+                >
+                    {terms?.content.split('\n').map((line, i) => (
+                        <p key={i} className="mb-2">{line}</p>
+                    ))}
+                </div>
+
+                <div className="flex items-center space-x-2 pt-4">
+                    <Checkbox
+                        id="agree"
+                        checked={agreed}
+                        onCheckedChange={(checked) => setAgreed(checked as boolean)}
+                        disabled={!scrolled}
+                    />
+                    <label htmlFor="agree" className="text-sm">
+                        I have read and agree to the terms and conditions
+                    </label>
+                </div>
+
+                <DialogFooter>
+                    <Button
+                        onClick={handleAccept}
+                        disabled={!agreed || acceptMutation.isPending}
+                    >
+                        {acceptMutation.isPending ? 'Accepting...' : 'Accept & Continue'}
+                    </Button>
+                </DialogFooter>
+            </DialogContent>
+        </Dialog>
+    );
+}
diff --git a/components/compliance/tier-upgrade-dialog.tsx b/components/compliance/tier-upgrade-dialog.tsx
new file mode 100644
index 0000000..3800a29
--- /dev/null
+++ b/components/compliance/tier-upgrade-dialog.tsx
@@ -0,0 +1,160 @@
+"use client";
+
+import { useState } from "react";
+import { Dialog, DialogContent, DialogDescription, DialogFooter, DialogHeader, DialogTitle } from "@/components/ui/dialog";
+import { Button } from "@/components/ui/button";
+import { Check } from "lucide-react";
+import { KYCTier, DocumentType } from "@/types/compliance";
+import { ComplianceService } from "@/lib/services/compliance";
+import { VerificationService } from "@/lib/services/verification";
+import { useUpgradeTier } from "@/hooks/use-compliance";
+import { DocumentUpload } from "./document-upload";
+
+interface TierUpgradeDialogProps {
+    open: boolean;
+    onOpenChange: (open: boolean) => void;
+    currentTier: KYCTier;
+    targetTier: KYCTier;
+}
+
+const formatCurrency = (amount: number) =>
+    new Intl.NumberFormat("en-US", { style: "currency", currency: "USD", maximumFractionDigits: 0 }).format(amount);
+
+export function TierUpgradeDialog({ open, onOpenChange, currentTier, targetTier }: TierUpgradeDialogProps) {
+    const [step, setStep] = useState<'info' | 'documents'>('info');
+    const [requestId, setRequestId] = useState<string | null>(null);
+    const [uploadedDocs, setUploadedDocs] = useState<Set<DocumentType>>(new Set());
+    const upgradeMutation = useUpgradeTier();
+    const tierConfig = ComplianceService.getTierConfig(targetTier);
+    const requiredDocs = VerificationService.getRequiredDocuments(targetTier);
+
+    const handleUpgrade = async () => {
+        try {
+            const request = await upgradeMutation.mutateAsync(targetTier);
+            setRequestId(request.id);
+            if (requiredDocs.length > 0) {
+                setStep('documents');
+            } else {
+                onOpenChange(false);
+            }
+        } catch (error: any) {
+            alert(error.message || 'Failed to request upgrade');
+        }
+    };
+
+    const handleDocumentUpload = async (type: DocumentType, file: File) => {
+        if (!requestId) return;
+
+        await VerificationService.uploadDocument(requestId, {
+            type,
+            fileName: file.name,
+            file,
+        });
+
+        setUploadedDocs(prev => new Set(prev).add(type));
+    };
+
+    const handleComplete = () => {
+        setStep('info');
+        setUploadedDocs(new Set());
+        setRequestId(null);
+        onOpenChange(false);
+    };
+
+    return (
+        <Dialog open={open} onOpenChange={onOpenChange}>
+            <DialogContent className="max-w-lg">
+                <DialogHeader>
+                    <DialogTitle>Upgrade to {targetTier} Tier</DialogTitle>
+                    <DialogDescription>
+                        {step === 'info'
+                            ? 'Increase your withdrawal limits by upgrading your verification tier.'
+                            : 'Upload required documents to complete your verification.'}
+                    </DialogDescription>
+                </DialogHeader>
+
+                {step === 'info' ? (
+                    <div className="space-y-4">
+                        <div className="bg-muted/30 rounded-lg p-4 space-y-2">
+                            <h4 className="font-semibold text-sm">New Limits</h4>
+                            <div className="grid grid-cols-2 gap-2 text-sm">
+                                <div>
+                                    <span className="text-muted-foreground">Daily:</span>
+                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.daily)}</span>
+                                </div>
+                                <div>
+                                    <span className="text-muted-foreground">Weekly:</span>
+                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.weekly)}</span>
+                                </div>
+                                <div>
+                                    <span className="text-muted-foreground">Monthly:</span>
+                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.monthly)}</span>
+                                </div>
+                                <div>
+                                    <span className="text-muted-foreground">Per Transaction:</span>
+                                    <span className="ml-2 font-medium">{formatCurrency(tierConfig.limits.perTransaction)}</span>
+                                </div>
+                            </div>
+                        </div>
+
+                        <div>
+                            <h4 className="font-semibold text-sm mb-2">Requirements</h4>
+                            <ul className="space-y-1">
+                                {tierConfig.requirements.map((req, i) => (
+                                    <li key={i} className="flex items-start gap-2 text-sm">
+                                        <Check className="h-4 w-4 text-green-500 mt-0.5 shrink-0" />
+                                        <span>{req}</span>
+                                    </li>
+                                ))}
+                            </ul>
+                        </div>
+
+                        <div className="text-sm text-muted-foreground">
+                            Processing time: {tierConfig.processingTime}
+                        </div>
+                    </div>
+                ) : (
+                    <div className="space-y-4">
+                        {requiredDocs.map((docType) => (
+                            <DocumentUpload
+                                key={docType}
+                                type={docType}
+                                label={docType.replace(/_/g, ' ')}
+                                onUpload={(file) => handleDocumentUpload(docType, file)}
+                                uploaded={uploadedDocs.has(docType)}
+                            />
+                        ))}
+                    </div>
+                )}
+
+                <DialogFooter>
+                    {step === 'info' ? (
+                        <>
+                            <Button variant="outline" onClick={() => onOpenChange(false)}>
+                                Cancel
+                            </Button>
+                            <Button onClick={handleUpgrade} disabled={upgradeMutation.isPending}>
+                                {upgradeMutation.isPending ? 'Requesting...' : 'Request Upgrade'}
+                            </Button>
+                        </>
+                    ) : (
+                        <>
+                            <Button
+                                variant="outline"
+                                onClick={() => setStep('info')}
+                            >
+                                Back
+                            </Button>
+                            <Button
+                                onClick={handleComplete}
+                                disabled={uploadedDocs.size < requiredDocs.length}
+                            >
+                                Complete
+                            </Button>
+                        </>
+                    )}
+                </DialogFooter>
+            </DialogContent>
+        </Dialog>
+    );
+}
diff --git a/components/ui/checkbox.tsx b/components/ui/checkbox.tsx
index cb0b07b..05cf97e 100644
--- a/components/ui/checkbox.tsx
+++ b/components/ui/checkbox.tsx
@@ -14,7 +14,7 @@ function Checkbox({
     <CheckboxPrimitive.Root
       data-slot="checkbox"
       className={cn(
-        "peer border-input dark:bg-input/30 data-[state=checked]:bg-primary data-[state=checked]:text-primary-foreground dark:data-[state=checked]:bg-primary data-[state=checked]:border-primary focus-visible:border-ring focus-visible:ring-ring/50 aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive size-4 shrink-0 rounded-[4px] border shadow-xs transition-shadow outline-none focus-visible:ring-[3px] disabled:cursor-not-allowed disabled:opacity-50",
+        "peer border-input dark:bg-input/30 data-[state=checked]:bg-primary data-[state=checked]:text-primary-foreground dark:data-[state=checked]:bg-primary data-[state=checked]:border-primary focus-visible:border-ring focus-visible:ring-ring/50 aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive size-4 shrink-0 rounded-lg border shadow-xs transition-shadow outline-none focus-visible:ring-[3px] disabled:cursor-not-allowed disabled:opacity-50",
         className
       )}
       {...props}
diff --git a/components/wallet/withdrawal-section.tsx b/components/wallet/withdrawal-section.tsx
index 96eb720..63f0a03 100644
--- a/components/wallet/withdrawal-section.tsx
+++ b/components/wallet/withdrawal-section.tsx
@@ -1,13 +1,20 @@
 "use client";
 
-import { useState } from "react";
+import { useState, useEffect } from "react";
 import { WalletInfo } from "@/types/wallet";
 import { Button } from "@/components/ui/button";
 import { Input } from "@/components/ui/input";
 import { Label } from "@/components/ui/label";
-import { Building, Plus, ArrowRight, History, Info } from "lucide-react";
+import { Building, Plus, ArrowRight, History, Info, AlertCircle } from "lucide-react";
 import { Badge } from "@/components/ui/badge";
 import { Separator } from "@/components/ui/separator";
+import { Alert, AlertDescription } from "@/components/ui/alert";
+import { LimitsDisplay } from "@/components/compliance/limits-display";
+import { TermsDialog } from "@/components/compliance/terms-dialog";
+import { TierUpgradeDialog } from "@/components/compliance/tier-upgrade-dialog";
+import { HoldMessage } from "@/components/compliance/hold-message";
+import { useComplianceStatus } from "@/hooks/use-compliance";
+import { useValidateWithdrawal, useSubmitWithdrawal } from "@/hooks/use-withdrawal";
 
 interface WithdrawalSectionProps {
     walletInfo: WalletInfo;
@@ -15,17 +22,52 @@ interface WithdrawalSectionProps {
 
 export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
     const [amount, setAmount] = useState("");
+    const [showTermsDialog, setShowTermsDialog] = useState(false);
+    const [showUpgradeDialog, setShowUpgradeDialog] = useState(false);
+    const [validationError, setValidationError] = useState<string | null>(null);
+
+    const { data: complianceData } = useComplianceStatus();
+    const validateMutation = useValidateWithdrawal();
+    const submitMutation = useSubmitWithdrawal();
 
-    // Mock bank accounts
     const bankAccounts = [
         { id: '1', name: 'Chase Bank', last4: '4242', isPrimary: true },
     ];
 
     const parsedAmount = parseFloat(amount);
-    const isValidAmount = !isNaN(parsedAmount) &&
-        isFinite(parsedAmount) &&
-        parsedAmount >= 10 &&
-        parsedAmount <= walletInfo.balance;
+    const isValidAmount = !isNaN(parsedAmount) && isFinite(parsedAmount) && parsedAmount >= 10;
+
+    useEffect(() => {
+        if (isValidAmount && parsedAmount <= walletInfo.balance) {
+            validateMutation.mutate(parsedAmount, {
+                onSuccess: (result) => {
+                    if (!result.valid) {
+                        setValidationError(result.errors[0] || 'Validation failed');
+                    } else {
+                        setValidationError(null);
+                    }
+                },
+            });
+        } else {
+            setValidationError(null);
+        }
+    }, [parsedAmount]);
+
+    const handleWithdraw = async () => {
+        if (!isValidAmount || !complianceData) return;
+
+        try {
+            await submitMutation.mutateAsync({
+                amount: parsedAmount,
+                currency: 'USD',
+                destinationId: bankAccounts[0].id,
+            });
+            alert('Withdrawal submitted successfully!');
+            setAmount('');
+        } catch (error: any) {
+            alert(error.message || 'Withdrawal failed');
+        }
+    };
 
     const formatCurrency = (amount: number) => {
         return new Intl.NumberFormat("en-US", {
@@ -34,8 +76,40 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
         }).format(amount);
     };
 
+    const canWithdraw = isValidAmount &&
+        parsedAmount <= walletInfo.balance &&
+        !validationError &&
+        complianceData?.compliance.holdState === 'NONE' &&
+        !complianceData?.termsStatus.requiresAcceptance;
+
     return (
         <div className="space-y-6">
+            {complianceData && (
+                <>
+                    <HoldMessage
+                        holdState={complianceData.compliance.holdState}
+                        reason={complianceData.compliance.holdReason}
+                    />
+
+                    <TermsDialog
+                        open={showTermsDialog}
+                        onOpenChange={setShowTermsDialog}
+                        onAccepted={() => {
+                            setShowTermsDialog(false);
+                        }}
+                    />
+
+                    {complianceData.nextTier && (
+                        <TierUpgradeDialog
+                            open={showUpgradeDialog}
+                            onOpenChange={setShowUpgradeDialog}
+                            currentTier={complianceData.compliance.currentTier}
+                            targetTier={complianceData.nextTier}
+                        />
+                    )}
+                </>
+            )}
+
             <div className="grid gap-6 md:grid-cols-2">
                 <div className="space-y-4">
                     <h3 className="font-semibold text-lg">Off-Ramp to Fiat</h3>
@@ -68,6 +142,12 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
                                 <span>Balance: {formatCurrency(walletInfo.balance)}</span>
                                 <span>Min: $10.00</span>
                             </div>
+                            {validationError && (
+                                <Alert variant="destructive" className="py-2">
+                                    <AlertCircle className="h-4 w-4" />
+                                    <AlertDescription className="text-xs">{validationError}</AlertDescription>
+                                </Alert>
+                            )}
                         </div>
 
                         <div className="space-y-2">
@@ -110,16 +190,22 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
                             </div>
                         </div>
 
+                        {complianceData?.termsStatus.requiresAcceptance && (
+                            <Button
+                                className="w-full h-12 text-md font-semibold"
+                                variant="secondary"
+                                onClick={() => setShowTermsDialog(true)}
+                            >
+                                Accept Terms & Conditions
+                            </Button>
+                        )}
+
                         <Button
                             className="w-full h-12 text-md font-semibold"
-                            disabled={!isValidAmount}
-                            onClick={() => {
-                                if (isValidAmount) {
-                                    // Handle withdrawal
-                                }
-                            }}
+                            disabled={!canWithdraw || submitMutation.isPending}
+                            onClick={handleWithdraw}
                         >
-                            Complete Withdrawal
+                            {submitMutation.isPending ? 'Processing...' : 'Complete Withdrawal'}
                             <ArrowRight className="ml-2 h-4 w-4" />
                         </Button>
                     </div>
@@ -148,22 +234,7 @@ export function WithdrawalSection({ walletInfo }: WithdrawalSectionProps) {
                                 <Info className="h-4 w-4 text-muted-foreground" />
                                 <h4 className="text-xs font-semibold uppercase tracking-wider text-muted-foreground">Limits & Settings</h4>
                             </div>
-                            <div className="grid gap-3">
-                                <div className="flex justify-between text-sm">
-                                    <span className="text-muted-foreground">Daily Limit</span>
-                                    <span className="font-medium">$5,000 / $5,000</span>
-                                </div>
-                                <div className="w-full bg-muted rounded-full h-1.5">
-                                    <div className="bg-primary h-1.5 rounded-full w-[0%]"></div>
-                                </div>
-                                <div className="flex justify-between text-sm">
-                                    <span className="text-muted-foreground">Monthly Limit</span>
-                                    <span className="font-medium">$50,000 / $50,000</span>
-                                </div>
-                                <div className="w-full bg-muted rounded-full h-1.5">
-                                    <div className="bg-primary h-1.5 rounded-full w-[0%]"></div>
-                                </div>
-                            </div>
+                            <LimitsDisplay onUpgradeClick={() => setShowUpgradeDialog(true)} />
                         </div>
                     </div>
                 </div>
diff --git a/hooks/use-compliance.ts b/hooks/use-compliance.ts
new file mode 100644
index 0000000..7163ee9
--- /dev/null
+++ b/hooks/use-compliance.ts
@@ -0,0 +1,42 @@
+import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
+import { get, post } from '@/lib/api/client';
+import { UserCompliance, RemainingLimits, KYCTier, VerificationRequest } from '@/types/compliance';
+import { UserTermsStatus } from '@/types/terms';
+
+interface ComplianceStatus {
+    compliance: UserCompliance;
+    remaining: RemainingLimits;
+    termsStatus: UserTermsStatus;
+    nextTier: KYCTier | null;
+}
+
+export function useComplianceStatus() {
+    return useQuery({
+        queryKey: ['compliance', 'status'],
+        queryFn: () => get<ComplianceStatus>('/api/compliance/status'),
+    });
+}
+
+export function useAcceptTerms() {
+    const queryClient = useQueryClient();
+
+    return useMutation({
+        mutationFn: (termsVersionId: string) =>
+            post('/api/compliance/terms', { termsVersionId }),
+        onSuccess: () => {
+            queryClient.invalidateQueries({ queryKey: ['compliance'] });
+        },
+    });
+}
+
+export function useUpgradeTier() {
+    const queryClient = useQueryClient();
+
+    return useMutation({
+        mutationFn: (targetTier: KYCTier) =>
+            post<VerificationRequest>('/api/compliance/upgrade', { targetTier }),
+        onSuccess: () => {
+            queryClient.invalidateQueries({ queryKey: ['compliance'] });
+        },
+    });
+}
diff --git a/hooks/use-withdrawal.ts b/hooks/use-withdrawal.ts
new file mode 100644
index 0000000..970694c
--- /dev/null
+++ b/hooks/use-withdrawal.ts
@@ -0,0 +1,22 @@
+import { useMutation, useQueryClient } from '@tanstack/react-query';
+import { post } from '@/lib/api/client';
+import { WithdrawalValidationResult, WithdrawalRequest } from '@/types/withdrawal';
+
+export function useValidateWithdrawal() {
+    return useMutation({
+        mutationFn: (amount: number) =>
+            post<WithdrawalValidationResult>('/api/withdrawal/validate', { amount }),
+    });
+}
+
+export function useSubmitWithdrawal() {
+    const queryClient = useQueryClient();
+
+    return useMutation({
+        mutationFn: (data: { amount: number; currency: string; destinationId: string }) =>
+            post<WithdrawalRequest>('/api/withdrawal/submit', data),
+        onSuccess: () => {
+            queryClient.invalidateQueries({ queryKey: ['compliance'] });
+        },
+    });
+}
diff --git a/lib/query/query-keys.ts b/lib/query/query-keys.ts
index d4956fd..6343804 100644
--- a/lib/query/query-keys.ts
+++ b/lib/query/query-keys.ts
@@ -36,3 +36,18 @@ export const authKeys = {
     all: ['auth'] as const,
     session: () => [...authKeys.all, 'session'] as const,
 };
+
+export const complianceKeys = {
+    all: ['compliance'] as const,
+    status: () => [...complianceKeys.all, 'status'] as const,
+};
+
+export const termsKeys = {
+    all: ['terms'] as const,
+    current: () => [...termsKeys.all, 'current'] as const,
+};
+
+export const withdrawalKeys = {
+    all: ['withdrawal'] as const,
+    history: () => [...withdrawalKeys.all, 'history'] as const,
+};
diff --git a/lib/services/appeal.ts b/lib/services/appeal.ts
new file mode 100644
index 0000000..272bd49
--- /dev/null
+++ b/lib/services/appeal.ts
@@ -0,0 +1,44 @@
+import { VerificationAppeal, AppealStatus } from "@/types/compliance";
+import { EmailService } from "./email";
+
+const MOCK_APPEALS: Record<string, VerificationAppeal> = {};
+
+export class AppealService {
+    static async submitAppeal(
+        userId: string,
+        verificationRequestId: string,
+        reason: string,
+        additionalInfo?: string
+    ): Promise<VerificationAppeal> {
+        const appealId = `appeal-${userId}-${Date.now()}`;
+        const appeal: VerificationAppeal = {
+            id: appealId,
+            userId,
+            verificationRequestId,
+            reason,
+            additionalInfo,
+            status: 'PENDING',
+            submittedAt: new Date().toISOString(),
+        };
+
+        MOCK_APPEALS[appealId] = appeal;
+
+        const userEmail = `user-${userId}@example.com`;
+        await EmailService.sendAppealConfirmation(userEmail, appealId);
+
+        return { ...appeal };
+    }
+
+    static async getAppeal(verificationRequestId: string): Promise<VerificationAppeal | null> {
+        const appeal = Object.values(MOCK_APPEALS)
+            .find(a => a.verificationRequestId === verificationRequestId);
+
+        return appeal ? { ...appeal } : null;
+    }
+
+    static async getUserAppeals(userId: string): Promise<VerificationAppeal[]> {
+        return Object.values(MOCK_APPEALS)
+            .filter(a => a.userId === userId)
+            .sort((a, b) => new Date(b.submittedAt).getTime() - new Date(a.submittedAt).getTime());
+    }
+}
diff --git a/lib/services/compliance.ts b/lib/services/compliance.ts
new file mode 100644
index 0000000..07437bd
--- /dev/null
+++ b/lib/services/compliance.ts
@@ -0,0 +1,350 @@
+import {
+    UserCompliance,
+    KYCTier,
+    KYCTierConfig,
+    WithdrawalLimits,
+    WithdrawalUsage,
+    RemainingLimits,
+    ComplianceHoldState,
+    VerificationStatus,
+} from "@/types/compliance";
+
+// Mock Data Store (In-memory for prototype)
+const MOCK_COMPLIANCE_DB: Record<string, UserCompliance> = {};
+
+export class ComplianceService {
+    // KYC Tier Configuration
+    static readonly TIER_CONFIGS: Record<KYCTier, KYCTierConfig> = {
+        UNVERIFIED: {
+            tier: 'UNVERIFIED',
+            description: 'Basic account access with limited withdrawal capabilities',
+            limits: {
+                daily: 100,
+                weekly: 300,
+                monthly: 500,
+                perTransaction: 50,
+            },
+            requirements: [
+                'Email verification required',
+                'No additional documentation needed',
+            ],
+            processingTime: 'Instant',
+        },
+        BASIC: {
+            tier: 'BASIC',
+            description: 'Standard account with moderate withdrawal limits',
+            limits: {
+                daily: 1000,
+                weekly: 5000,
+                monthly: 15000,
+                perTransaction: 500,
+            },
+            requirements: [
+                'Email verification',
+                'Phone number verification',
+                'Basic personal information (name, date of birth)',
+            ],
+            processingTime: '1-2 business days',
+        },
+        VERIFIED: {
+            tier: 'VERIFIED',
+            description: 'Verified account with higher withdrawal limits',
+            limits: {
+                daily: 5000,
+                weekly: 25000,
+                monthly: 75000,
+                perTransaction: 2500,
+            },
+            requirements: [
+                'All BASIC requirements',
+                'Government-issued ID (passport, driver\'s license)',
+                'Proof of address (utility bill, bank statement)',
+            ],
+            processingTime: '2-5 business days',
+        },
+        ENHANCED: {
+            tier: 'ENHANCED',
+            description: 'Premium account with maximum withdrawal limits',
+            limits: {
+                daily: 25000,
+                weekly: 100000,
+                monthly: 300000,
+                perTransaction: 10000,
+            },
+            requirements: [
+                'All VERIFIED requirements',
+                'Enhanced identity verification',
+                'Video verification call',
+                'Source of funds documentation',
+            ],
+            processingTime: '5-10 business days',
+        },
+    };
+
+    /**
+     * Get user's current compliance status
+     */
+    static async getUserCompliance(userId: string): Promise<UserCompliance> {
+        await this.simulateDelay();
+
+        // Return existing or create new
+        if (!MOCK_COMPLIANCE_DB[userId]) {
+            MOCK_COMPLIANCE_DB[userId] = this.createDefaultCompliance(userId);
+        }
+
+        return { ...MOCK_COMPLIANCE_DB[userId] };
+    }
+
+    /**
+     * Create default compliance record for new user
+     */
+    private static createDefaultCompliance(userId: string): UserCompliance {
+        const now = new Date().toISOString();
+        const tier: KYCTier = 'UNVERIFIED';
+
+        return {
+            userId,
+            currentTier: tier,
+            limits: { ...this.TIER_CONFIGS[tier].limits },
+            usage: {
+                dailyUsed: 0,
+                weeklyUsed: 0,
+                monthlyUsed: 0,
+                lifetimeTotal: 0,
+                lastResetDaily: now,
+                lastResetWeekly: now,
+                lastResetMonthly: now,
+            },
+            holdState: 'NONE',
+            verificationStatus: 'NOT_STARTED',
+            restrictedJurisdiction: false,
+            createdAt: now,
+            updatedAt: now,
+        };
+    }
+
+    /**
+     * Calculate remaining withdrawal amounts with rolling windows
+     */
+    static async getRemainingLimits(userId: string): Promise<RemainingLimits> {
+        const compliance = await this.getUserCompliance(userId);
+
+        // Reset usage if windows have passed
+        await this.resetExpiredWindows(userId, compliance);
+
+        const { limits, usage } = compliance;
+
+        const dailyRemaining = Math.max(0, limits.daily - usage.dailyUsed);
+        const weeklyRemaining = Math.max(0, limits.weekly - usage.weeklyUsed);
+        const monthlyRemaining = Math.max(0, limits.monthly - usage.monthlyUsed);
+
+        return {
+            daily: dailyRemaining,
+            weekly: weeklyRemaining,
+            monthly: monthlyRemaining,
+            percentUsed: {
+                daily: limits.daily > 0 ? Math.min(100, (usage.dailyUsed / limits.daily) * 100) : 0,
+                weekly: limits.weekly > 0 ? Math.min(100, (usage.weeklyUsed / limits.weekly) * 100) : 0,
+                monthly: limits.monthly > 0 ? Math.min(100, (usage.monthlyUsed / limits.monthly) * 100) : 0,
+            },
+        };
+    }
+
+    /**
+     * Reset usage for expired rolling windows
+     */
+    private static async resetExpiredWindows(
+        userId: string,
+        compliance: UserCompliance
+    ): Promise<void> {
+        const now = new Date();
+        const { usage } = compliance;
+        let updated = false;
+
+        // Daily reset (24 hours)
+        const lastDaily = new Date(usage.lastResetDaily);
+        if (now.getTime() - lastDaily.getTime() >= 24 * 60 * 60 * 1000) {
+            compliance.usage.dailyUsed = 0;
+            compliance.usage.lastResetDaily = now.toISOString();
+            updated = true;
+        }
+
+        // Weekly reset (7 days)
+        const lastWeekly = new Date(usage.lastResetWeekly);
+        if (now.getTime() - lastWeekly.getTime() >= 7 * 24 * 60 * 60 * 1000) {
+            compliance.usage.weeklyUsed = 0;
+            compliance.usage.lastResetWeekly = now.toISOString();
+            updated = true;
+        }
+
+        // Monthly reset (30 days)
+        const lastMonthly = new Date(usage.lastResetMonthly);
+        if (now.getTime() - lastMonthly.getTime() >= 30 * 24 * 60 * 60 * 1000) {
+            compliance.usage.monthlyUsed = 0;
+            compliance.usage.lastResetMonthly = now.toISOString();
+            updated = true;
+        }
+
+        if (updated) {
+            compliance.updatedAt = now.toISOString();
+            MOCK_COMPLIANCE_DB[userId] = compliance;
+        }
+    }
+
+    /**
+     * Check if withdrawal would exceed any limits
+     */
+    static async validateWithdrawalAmount(
+        userId: string,
+        amount: number
+    ): Promise<{ valid: boolean; exceededLimit?: 'daily' | 'weekly' | 'monthly' | 'perTransaction' }> {
+        const compliance = await this.getUserCompliance(userId);
+        await this.resetExpiredWindows(userId, compliance);
+
+        const { limits, usage } = compliance;
+
+        // Check per-transaction limit
+        if (amount > limits.perTransaction) {
+            return { valid: false, exceededLimit: 'perTransaction' };
+        }
+
+        // Check daily limit
+        if (usage.dailyUsed + amount > limits.daily) {
+            return { valid: false, exceededLimit: 'daily' };
+        }
+
+        // Check weekly limit
+        if (usage.weeklyUsed + amount > limits.weekly) {
+            return { valid: false, exceededLimit: 'weekly' };
+        }
+
+        // Check monthly limit
+        if (usage.monthlyUsed + amount > limits.monthly) {
+            return { valid: false, exceededLimit: 'monthly' };
+        }
+
+        return { valid: true };
+    }
+
+    /**
+     * Track withdrawal usage (call after successful withdrawal)
+     */
+    static async trackWithdrawal(userId: string, amount: number): Promise<void> {
+        const compliance = await this.getUserCompliance(userId);
+
+        compliance.usage.dailyUsed += amount;
+        compliance.usage.weeklyUsed += amount;
+        compliance.usage.monthlyUsed += amount;
+        compliance.usage.lifetimeTotal += amount;
+        compliance.updatedAt = new Date().toISOString();
+
+        MOCK_COMPLIANCE_DB[userId] = compliance;
+    }
+
+    /**
+     * Upgrade user tier after verification approval
+     */
+    static async upgradeTier(userId: string, newTier: KYCTier): Promise<boolean> {
+        const compliance = await this.getUserCompliance(userId);
+
+        // Update tier and limits
+        compliance.currentTier = newTier;
+        compliance.limits = { ...this.TIER_CONFIGS[newTier].limits };
+        compliance.verificationStatus = 'APPROVED';
+        compliance.updatedAt = new Date().toISOString();
+
+        MOCK_COMPLIANCE_DB[userId] = compliance;
+        return true;
+    }
+
+    /**
+     * Set hold state on user account
+     */
+    static async setHoldState(
+        userId: string,
+        state: ComplianceHoldState,
+        reason?: string
+    ): Promise<void> {
+        const compliance = await this.getUserCompliance(userId);
+
+        compliance.holdState = state;
+        compliance.holdReason = reason;
+        compliance.updatedAt = new Date().toISOString();
+
+        MOCK_COMPLIANCE_DB[userId] = compliance;
+    }
+
+    /**
+     * Update verification status
+     */
+    static async updateVerificationStatus(
+        userId: string,
+        status: VerificationStatus
+    ): Promise<void> {
+        const compliance = await this.getUserCompliance(userId);
+
+        compliance.verificationStatus = status;
+        compliance.updatedAt = new Date().toISOString();
+
+        MOCK_COMPLIANCE_DB[userId] = compliance;
+    }
+
+    /**
+     * Mark user as restricted jurisdiction
+     */
+    static async setJurisdictionRestriction(
+        userId: string,
+        restricted: boolean,
+        jurisdictionCode?: string
+    ): Promise<void> {
+        const compliance = await this.getUserCompliance(userId);
+
+        compliance.restrictedJurisdiction = restricted;
+        compliance.jurisdictionCode = jurisdictionCode;
+        compliance.updatedAt = new Date().toISOString();
+
+        MOCK_COMPLIANCE_DB[userId] = compliance;
+    }
+
+    /**
+     * Get tier configuration
+     */
+    static getTierConfig(tier: KYCTier): KYCTierConfig {
+        return { ...this.TIER_CONFIGS[tier] };
+    }
+
+    /**
+     * Get all tier configurations
+     */
+    static getAllTierConfigs(): KYCTierConfig[] {
+        return Object.values(this.TIER_CONFIGS);
+    }
+
+    /**
+     * Get next tier
+     */
+    static getNextTier(currentTier: KYCTier): KYCTier | null {
+        const tiers: KYCTier[] = ['UNVERIFIED', 'BASIC', 'VERIFIED', 'ENHANCED'];
+        const currentIndex = tiers.indexOf(currentTier);
+
+        if (currentIndex === -1 || currentIndex === tiers.length - 1) {
+            return null;
+        }
+
+        return tiers[currentIndex + 1];
+    }
+
+    /**
+     * Simulate database delay
+     */
+    private static async simulateDelay(): Promise<void> {
+        await new Promise(resolve => setTimeout(resolve, 100));
+    }
+
+    /**
+     * Clear all compliance data (for testing)
+     */
+    static clearAllData(): void {
+        Object.keys(MOCK_COMPLIANCE_DB).forEach(key => delete MOCK_COMPLIANCE_DB[key]);
+    }
+}
diff --git a/lib/services/email.ts b/lib/services/email.ts
new file mode 100644
index 0000000..3ad26a7
--- /dev/null
+++ b/lib/services/email.ts
@@ -0,0 +1,145 @@
+import { VerificationStatus } from "@/types/compliance";
+
+interface EmailData {
+    to: string;
+    subject: string;
+    body: string;
+}
+
+export class EmailService {
+    static async sendVerificationStatusEmail(
+        userEmail: string,
+        status: VerificationStatus,
+        tier?: string,
+        reason?: string
+    ): Promise<void> {
+        const emailData = this.buildVerificationEmail(userEmail, status, tier, reason);
+        await this.send(emailData);
+    }
+
+    static async sendWithdrawalConfirmation(
+        userEmail: string,
+        amount: number,
+        currency: string,
+        withdrawalId: string
+    ): Promise<void> {
+        const emailData: EmailData = {
+            to: userEmail,
+            subject: "Withdrawal Confirmation",
+            body: `
+                <h2>Withdrawal Submitted</h2>
+                <p>Your withdrawal of ${amount} ${currency} has been submitted successfully.</p>
+                <p><strong>Withdrawal ID:</strong> ${withdrawalId}</p>
+                <p>Processing typically takes 1-5 business days.</p>
+            `,
+        };
+        await this.send(emailData);
+    }
+
+    static async sendTermsUpdateNotification(
+        userEmail: string,
+        version: string
+    ): Promise<void> {
+        const emailData: EmailData = {
+            to: userEmail,
+            subject: "Terms and Conditions Updated",
+            body: `
+                <h2>Terms and Conditions Update</h2>
+                <p>Our Terms and Conditions have been updated to version ${version}.</p>
+                <p>Please review and accept the new terms before your next withdrawal.</p>
+                <p><a href="${process.env.NEXT_PUBLIC_APP_URL}/wallet">Review Terms</a></p>
+            `,
+        };
+        await this.send(emailData);
+    }
+
+    static async sendAppealConfirmation(
+        userEmail: string,
+        appealId: string
+    ): Promise<void> {
+        const emailData: EmailData = {
+            to: userEmail,
+            subject: "Verification Appeal Received",
+            body: `
+                <h2>Appeal Received</h2>
+                <p>Your verification appeal has been received and is under review.</p>
+                <p><strong>Appeal ID:</strong> ${appealId}</p>
+                <p>Our team will review your appeal within 3-5 business days.</p>
+            `,
+        };
+        await this.send(emailData);
+    }
+
+    private static buildVerificationEmail(
+        userEmail: string,
+        status: VerificationStatus,
+        tier?: string,
+        reason?: string
+    ): EmailData {
+        const templates: Record<VerificationStatus, { subject: string; body: string }> = {
+            PENDING: {
+                subject: "Verification Request Received",
+                body: `
+                    <h2>Verification Request Received</h2>
+                    <p>We've received your request to upgrade to ${tier} tier.</p>
+                    <p>Our team will review your documents within 2-5 business days.</p>
+                    <p>You'll receive an email once the review is complete.</p>
+                `,
+            },
+            APPROVED: {
+                subject: "Verification Approved!",
+                body: `
+                    <h2>Congratulations!</h2>
+                    <p>Your verification for ${tier} tier has been approved.</p>
+                    <p>Your new withdrawal limits are now active.</p>
+                    <p><a href="${process.env.NEXT_PUBLIC_APP_URL}/wallet">View Your Limits</a></p>
+                `,
+            },
+            REJECTED: {
+                subject: "Verification Update Required",
+                body: `
+                    <h2>Additional Information Needed</h2>
+                    <p>We couldn't complete your verification for ${tier} tier.</p>
+                    ${reason ? `<p><strong>Reason:</strong> ${reason}</p>` : ''}
+                    <p>You can submit an appeal or resubmit your documents.</p>
+                    <p><a href="${process.env.NEXT_PUBLIC_APP_URL}/wallet">Take Action</a></p>
+                `,
+            },
+            NOT_STARTED: {
+                subject: "Start Your Verification",
+                body: `
+                    <h2>Increase Your Withdrawal Limits</h2>
+                    <p>Complete verification to increase your withdrawal limits.</p>
+                    <p><a href="${process.env.NEXT_PUBLIC_APP_URL}/wallet">Get Started</a></p>
+                `,
+            },
+        };
+
+        const template = templates[status];
+        return {
+            to: userEmail,
+            subject: template.subject,
+            body: template.body,
+        };
+    }
+
+    private static async send(emailData: EmailData): Promise<void> {
+        // In production, integrate with email provider:
+        // - SendGrid: await sgMail.send(emailData)
+        // - AWS SES: await ses.sendEmail(emailData)
+        // - Resend: await resend.emails.send(emailData)
+
+        console.log('[Email Service] Sending email:', {
+            to: emailData.to,
+            subject: emailData.subject,
+        });
+
+        // Mock delay
+        await new Promise(resolve => setTimeout(resolve, 100));
+
+        // For development, log the email
+        if (process.env.NODE_ENV === 'development') {
+            console.log('[Email Preview]:', emailData.body);
+        }
+    }
+}
diff --git a/lib/services/geo-restriction.ts b/lib/services/geo-restriction.ts
new file mode 100644
index 0000000..19ecd01
--- /dev/null
+++ b/lib/services/geo-restriction.ts
@@ -0,0 +1,104 @@
+import { RestrictedJurisdiction, UserLocation } from "@/types/geography";
+
+const RESTRICTED: RestrictedJurisdiction[] = [
+    { code: 'CU', name: 'Cuba', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
+    { code: 'IR', name: 'Iran', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
+    { code: 'KP', name: 'North Korea', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
+    { code: 'SY', name: 'Syria', type: 'COUNTRY', reason: 'OFAC sanctions', effectiveDate: '2024-01-01' },
+    { code: 'US-NY', name: 'New York', type: 'STATE', reason: 'BitLicense requirements', effectiveDate: '2024-01-01' },
+];
+
+const VPN_INDICATORS = [
+    'vpn', 'proxy', 'tor', 'relay', 'hosting', 'datacenter'
+];
+
+export class GeoRestrictionService {
+    static async checkLocation(ip: string): Promise<UserLocation> {
+        // In production: call ipapi.co, MaxMind, or ip-api.com
+        // Example: const response = await fetch(`https://ipapi.co/${ip}/json/`)
+
+        const mockLocation: UserLocation = {
+            ip,
+            countryCode: 'US',
+            countryName: 'United States',
+            regionCode: 'CA',
+            regionName: 'California',
+            city: 'San Francisco',
+            isVPN: await this.detectVPN(ip),
+            isProxy: await this.detectProxy(ip),
+            isRestricted: false,
+        };
+
+        // Check country-level restrictions
+        const countryRestriction = RESTRICTED.find(r => r.code === mockLocation.countryCode && r.type === 'COUNTRY');
+        if (countryRestriction) {
+            mockLocation.isRestricted = true;
+            mockLocation.restrictionReason = countryRestriction.reason;
+        }
+
+        // Check state-level restrictions
+        if (mockLocation.countryCode === 'US' && mockLocation.regionCode) {
+            const stateCode = `US-${mockLocation.regionCode}`;
+            const stateRestriction = RESTRICTED.find(r => r.code === stateCode && r.type === 'STATE');
+            if (stateRestriction) {
+                mockLocation.isRestricted = true;
+                mockLocation.restrictionReason = stateRestriction.reason;
+            }
+        }
+
+        return mockLocation;
+    }
+
+    static async detectVPN(ip: string): Promise<boolean> {
+        // In production: use VPN detection API like:
+        // - IPHub: https://iphub.info/
+        // - IP2Proxy: https://www.ip2location.com/
+        // - VPNApi: https://vpnapi.io/
+
+        // Mock: check if IP is in common VPN ranges
+        const vpnRanges = ['10.', '172.16.', '192.168.'];
+        return vpnRanges.some(range => ip.startsWith(range));
+    }
+
+    static async detectProxy(ip: string): Promise<boolean> {
+        // In production: check proxy databases or use APIs
+        // For now, use similar logic as VPN detection
+        return false;
+    }
+
+    static isRestricted(countryCode: string, regionCode?: string): boolean {
+        // Check country restriction
+        if (RESTRICTED.some(r => r.code === countryCode && r.type === 'COUNTRY')) {
+            return true;
+        }
+
+        // Check state restriction
+        if (regionCode) {
+            const stateCode = `${countryCode}-${regionCode}`;
+            return RESTRICTED.some(r => r.code === stateCode && r.type === 'STATE');
+        }
+
+        return false;
+    }
+
+    static getRestrictionReason(countryCode: string, regionCode?: string): string | null {
+        const countryRestriction = RESTRICTED.find(r => r.code === countryCode && r.type === 'COUNTRY');
+        if (countryRestriction) {
+            return countryRestriction.reason;
+        }
+
+        if (regionCode) {
+            const stateCode = `${countryCode}-${regionCode}`;
+            const stateRestriction = RESTRICTED.find(r => r.code === stateCode && r.type === 'STATE');
+            if (stateRestriction) {
+                return stateRestriction.reason;
+            }
+        }
+
+        return null;
+    }
+
+    static getRestrictedJurisdictions(): RestrictedJurisdiction[] {
+        return [...RESTRICTED];
+    }
+}
diff --git a/lib/services/terms.ts b/lib/services/terms.ts
new file mode 100644
index 0000000..4e69027
--- /dev/null
+++ b/lib/services/terms.ts
@@ -0,0 +1,255 @@
+import {
+    TermsVersion,
+    TermsAcceptance,
+    UserTermsStatus,
+} from "@/types/terms";
+
+// Mock Data Stores
+const MOCK_TERMS_VERSIONS: TermsVersion[] = [
+    {
+        id: 'terms-v1',
+        version: '1.0.0',
+        title: 'Withdrawal Terms and Conditions',
+        summary: 'Standard terms for fiat withdrawal services',
+        content: `# Withdrawal Terms and Conditions
+
+## 1. General Terms
+
+By using Boundless Bounties withdrawal services, you agree to comply with these terms and all applicable laws and regulations.
+
+## 2. Withdrawal Limits
+
+Withdrawal limits are determined by your KYC verification tier:
+- Unverified: $100 daily, $500 monthly
+- Basic: $1,000 daily, $15,000 monthly
+- Verified: $5,000 daily, $75,000 monthly
+- Enhanced: $25,000 daily, $300,000 monthly
+
+## 3. Processing Times
+
+- Withdrawals are processed within 1-5 business days
+- Additional verification may be required for large transactions
+- Weekends and holidays may extend processing times
+
+## 4. Fees
+
+- Standard withdrawal fee: $2.50 per transaction
+- Additional fees may apply for expedited processing
+- Currency conversion fees apply for non-USD withdrawals
+
+## 5. Compliance Requirements
+
+- You must maintain accurate personal information
+- Additional verification may be requested at any time
+- We reserve the right to freeze or cancel transactions for compliance reasons
+
+## 6. Geographic Restrictions
+
+- Services may not be available in all jurisdictions
+- You must not use VPN or proxy services to bypass restrictions
+- We comply with all local financial regulations
+
+## 7. Account Security
+
+- You are responsible for maintaining account security
+- Report any unauthorized access immediately
+- Two-factor authentication is strongly recommended
+
+## 8. Dispute Resolution
+
+- Disputes must be reported within 30 days
+- We will investigate all disputes thoroughly
+- Resolution may take 15-30 business days
+
+## 9. Changes to Terms
+
+- We reserve the right to update these terms
+- You will be notified of material changes
+- Continued use constitutes acceptance of new terms
+
+## 10. Contact
+
+For questions or concerns, contact support@boundless.fi`,
+        effectiveDate: '2024-01-01T00:00:00Z',
+        requiresReacceptance: false,
+        createdAt: '2024-01-01T00:00:00Z',
+    },
+];
+
+const MOCK_TERMS_ACCEPTANCES: Record<string, TermsAcceptance[]> = {};
+
+export class TermsService {
+    /**
+     * Get current active terms version
+     */
+    static async getCurrentTermsVersion(): Promise<TermsVersion> {
+        await this.simulateDelay();
+
+        // Return the latest version
+        const sorted = [...MOCK_TERMS_VERSIONS].sort((a, b) =>
+            new Date(b.createdAt).getTime() - new Date(a.createdAt).getTime()
+        );
+
+        return { ...sorted[0] };
+    }
+
+    /**
+     * Get user's terms acceptance status
+     */
+    static async getUserTermsStatus(userId: string): Promise<UserTermsStatus> {
+        await this.simulateDelay();
+
+        const currentTerms = await this.getCurrentTermsVersion();
+        const userAcceptances = MOCK_TERMS_ACCEPTANCES[userId] || [];
+
+        // Find latest acceptance
+        const sortedAcceptances = [...userAcceptances].sort((a, b) =>
+            new Date(b.acceptedAt).getTime() - new Date(a.acceptedAt).getTime()
+        );
+
+        const lastAcceptance = sortedAcceptances[0];
+
+        // Check if current version is accepted
+        const hasAcceptedCurrent = userAcceptances.some(
+            acceptance => acceptance.termsVersionId === currentTerms.id
+        );
+
+        // Determine if reacceptance is required
+        const requiresAcceptance = !hasAcceptedCurrent ||
+            (currentTerms.requiresReacceptance && !hasAcceptedCurrent);
+
+        return {
+            hasAcceptedCurrent,
+            currentVersion: currentTerms.version,
+            lastAcceptedVersion: lastAcceptance?.termsVersion,
+            lastAcceptedAt: lastAcceptance?.acceptedAt,
+            requiresAcceptance,
+        };
+    }
+
+    /**
+     * Record terms acceptance
+     */
+    static async acceptTerms(
+        userId: string,
+        termsVersionId: string,
+        metadata: {
+            ipAddress: string;
+            userAgent: string;
+        }
+    ): Promise<TermsAcceptance> {
+        await this.simulateDelay();
+
+        // Verify terms version exists
+        const termsVersion = MOCK_TERMS_VERSIONS.find(v => v.id === termsVersionId);
+        if (!termsVersion) {
+            throw new Error('Terms version not found');
+        }
+
+        // Check if already accepted
+        const existingAcceptances = MOCK_TERMS_ACCEPTANCES[userId] || [];
+        const alreadyAccepted = existingAcceptances.some(
+            a => a.termsVersionId === termsVersionId
+        );
+
+        if (alreadyAccepted) {
+            // Return existing acceptance
+            return existingAcceptances.find(a => a.termsVersionId === termsVersionId)!;
+        }
+
+        // Create new acceptance record
+        const acceptance: TermsAcceptance = {
+            id: `acceptance-${userId}-${termsVersionId}-${Date.now()}`,
+            userId,
+            termsVersionId,
+            termsVersion: termsVersion.version,
+            acceptedAt: new Date().toISOString(),
+            ipAddress: metadata.ipAddress,
+            userAgent: metadata.userAgent,
+        };
+
+        // Store acceptance
+        if (!MOCK_TERMS_ACCEPTANCES[userId]) {
+            MOCK_TERMS_ACCEPTANCES[userId] = [];
+        }
+        MOCK_TERMS_ACCEPTANCES[userId].push(acceptance);
+
+        return { ...acceptance };
+    }
+
+    /**
+     * Check if user needs to accept updated terms
+     */
+    static async requiresReacceptance(userId: string): Promise<boolean> {
+        const status = await this.getUserTermsStatus(userId);
+        return status.requiresAcceptance;
+    }
+
+    /**
+     * Get terms acceptance history for user
+     */
+    static async getAcceptanceHistory(userId: string): Promise<TermsAcceptance[]> {
+        await this.simulateDelay();
+
+        const acceptances = MOCK_TERMS_ACCEPTANCES[userId] || [];
+
+        // Sort by acceptance date (newest first)
+        return [...acceptances].sort((a, b) =>
+            new Date(b.acceptedAt).getTime() - new Date(a.acceptedAt).getTime()
+        );
+    }
+
+    /**
+     * Get terms version by ID
+     */
+    static async getTermsVersion(versionId: string): Promise<TermsVersion | null> {
+        await this.simulateDelay();
+
+        const version = MOCK_TERMS_VERSIONS.find(v => v.id === versionId);
+        return version ? { ...version } : null;
+    }
+
+    /**
+     * Get all terms versions
+     */
+    static async getAllTermsVersions(): Promise<TermsVersion[]> {
+        await this.simulateDelay();
+
+        return [...MOCK_TERMS_VERSIONS].sort((a, b) =>
+            new Date(b.createdAt).getTime() - new Date(a.createdAt).getTime()
+        );
+    }
+
+    /**
+     * Create new terms version (admin function)
+     */
+    static async createTermsVersion(
+        version: Omit<TermsVersion, 'id' | 'createdAt'>
+    ): Promise<TermsVersion> {
+        await this.simulateDelay();
+
+        const newVersion: TermsVersion = {
+            ...version,
+            id: `terms-v${MOCK_TERMS_VERSIONS.length + 1}`,
+            createdAt: new Date().toISOString(),
+        };
+
+        MOCK_TERMS_VERSIONS.push(newVersion);
+        return { ...newVersion };
+    }
+
+    /**
+     * Simulate database delay
+     */
+    private static async simulateDelay(): Promise<void> {
+        await new Promise(resolve => setTimeout(resolve, 100));
+    }
+
+    /**
+     * Clear all data (for testing)
+     */
+    static clearAllData(): void {
+        Object.keys(MOCK_TERMS_ACCEPTANCES).forEach(key => delete MOCK_TERMS_ACCEPTANCES[key]);
+        MOCK_TERMS_VERSIONS.length = 1; // Keep only the first version
+    }
+}
diff --git a/lib/services/verification.ts b/lib/services/verification.ts
new file mode 100644
index 0000000..a2a0e1f
--- /dev/null
+++ b/lib/services/verification.ts
@@ -0,0 +1,304 @@
+import {
+    VerificationRequest,
+    VerificationDocument,
+    KYCTier,
+    VerificationStatus,
+    DocumentType,
+} from "@/types/compliance";
+import { ComplianceService } from "./compliance";
+import { EmailService } from "./email";
+
+// Mock Data Store
+const MOCK_VERIFICATION_REQUESTS: Record<string, VerificationRequest> = {};
+const MOCK_DOCUMENTS: Record<string, VerificationDocument[]> = {};
+
+export class VerificationService {
+    /**
+     * Create new verification request
+     */
+    static async createVerificationRequest(
+        userId: string,
+        targetTier: KYCTier
+    ): Promise<VerificationRequest> {
+        await this.simulateDelay();
+
+        // Check if user already has a pending request
+        const existing = Object.values(MOCK_VERIFICATION_REQUESTS).find(
+            req => req.userId === userId && req.status === 'PENDING'
+        );
+
+        if (existing) {
+            throw new Error('You already have a pending verification request');
+        }
+
+        // Get current compliance to validate tier upgrade
+        const compliance = await ComplianceService.getUserCompliance(userId);
+        const tiers: KYCTier[] = ['UNVERIFIED', 'BASIC', 'VERIFIED', 'ENHANCED'];
+        const currentIndex = tiers.indexOf(compliance.currentTier);
+        const targetIndex = tiers.indexOf(targetTier);
+
+        if (targetIndex <= currentIndex) {
+            throw new Error('Target tier must be higher than current tier');
+        }
+
+        // Create verification request
+        const requestId = `vreq-${userId}-${Date.now()}`;
+        const request: VerificationRequest = {
+            id: requestId,
+            userId,
+            targetTier,
+            status: 'PENDING',
+            submittedAt: new Date().toISOString(),
+            documents: [],
+        };
+
+        MOCK_VERIFICATION_REQUESTS[requestId] = request;
+        MOCK_DOCUMENTS[requestId] = [];
+
+        // Update user's verification status
+        await ComplianceService.updateVerificationStatus(userId, 'PENDING');
+
+        return { ...request };
+    }
+
+    /**
+     * Get user's current verification status
+     */
+    static async getVerificationStatus(userId: string): Promise<VerificationRequest | null> {
+        await this.simulateDelay();
+
+        // Find most recent verification request for user
+        const requests = Object.values(MOCK_VERIFICATION_REQUESTS)
+            .filter(req => req.userId === userId)
+            .sort((a, b) => new Date(b.submittedAt).getTime() - new Date(a.submittedAt).getTime());
+
+        if (requests.length === 0) {
+            return null;
+        }
+
+        const request = requests[0];
+
+        // Attach documents
+        const documents = MOCK_DOCUMENTS[request.id] || [];
+        return {
+            ...request,
+            documents: [...documents],
+        };
+    }
+
+    /**
+     * Upload verification document
+     */
+    static async uploadDocument(
+        requestId: string,
+        document: {
+            type: DocumentType;
+            fileName: string;
+            file: File | Blob;
+        }
+    ): Promise<VerificationDocument> {
+        await this.simulateDelay();
+
+        const request = MOCK_VERIFICATION_REQUESTS[requestId];
+        if (!request) {
+            throw new Error('Verification request not found');
+        }
+
+        if (request.status !== 'PENDING') {
+            throw new Error('Cannot upload documents to non-pending request');
+        }
+
+        // Simulate file upload (in real implementation, upload to S3/cloud storage)
+        const fileUrl = `https://storage.boundless.fi/documents/${requestId}/${document.fileName}`;
+
+        // Create document record
+        const doc: VerificationDocument = {
+            id: `doc-${requestId}-${Date.now()}`,
+            type: document.type,
+            fileName: document.fileName,
+            fileUrl,
+            uploadedAt: new Date().toISOString(),
+            verified: false,
+        };
+
+        // Store document
+        if (!MOCK_DOCUMENTS[requestId]) {
+            MOCK_DOCUMENTS[requestId] = [];
+        }
+        MOCK_DOCUMENTS[requestId].push(doc);
+
+        // Update request's documents array
+        request.documents = MOCK_DOCUMENTS[requestId];
+
+        return { ...doc };
+    }
+
+    /**
+     * Update verification request status (admin/automated function)
+     */
+    static async updateVerificationStatus(
+        requestId: string,
+        status: VerificationStatus,
+        reason?: string
+    ): Promise<boolean> {
+        await this.simulateDelay();
+
+        const request = MOCK_VERIFICATION_REQUESTS[requestId];
+        if (!request) {
+            throw new Error('Verification request not found');
+        }
+
+        // Update request status
+        request.status = status;
+        request.reviewedAt = new Date().toISOString();
+
+        if (status === 'REJECTED' && reason) {
+            request.rejectionReason = reason;
+        }
+
+        // If approved, upgrade user's tier
+        if (status === 'APPROVED') {
+            await ComplianceService.upgradeTier(request.userId, request.targetTier);
+        }
+
+        // Update user's verification status in compliance
+        await ComplianceService.updateVerificationStatus(request.userId, status);
+
+        // Send notification (in real implementation)
+        await this.notifyStatusChange(request.userId, status);
+
+        return true;
+    }
+
+    /**
+     * Delete/remove a document
+     */
+    static async deleteDocument(requestId: string, documentId: string): Promise<boolean> {
+        await this.simulateDelay();
+
+        const request = MOCK_VERIFICATION_REQUESTS[requestId];
+        if (!request || request.status !== 'PENDING') {
+            throw new Error('Cannot delete documents from non-pending request');
+        }
+
+        const documents = MOCK_DOCUMENTS[requestId] || [];
+        const index = documents.findIndex(doc => doc.id === documentId);
+
+        if (index === -1) {
+            throw new Error('Document not found');
+        }
+
+        // Remove document
+        documents.splice(index, 1);
+        request.documents = documents;
+
+        return true;
+    }
+
+    /**
+     * Get required document types for a tier
+     */
+    static getRequiredDocuments(targetTier: KYCTier): DocumentType[] {
+        switch (targetTier) {
+            case 'BASIC':
+                return ['GOVERNMENT_ID'];
+            case 'VERIFIED':
+                return ['GOVERNMENT_ID', 'PROOF_OF_ADDRESS'];
+            case 'ENHANCED':
+                return ['GOVERNMENT_ID', 'PROOF_OF_ADDRESS', 'SELFIE'];
+            default:
+                return [];
+        }
+    }
+
+    /**
+     * Check if verification request has all required documents
+     */
+    static hasRequiredDocuments(request: VerificationRequest): boolean {
+        const required = this.getRequiredDocuments(request.targetTier);
+        const uploaded = request.documents.map(doc => doc.type);
+
+        return required.every(type => uploaded.includes(type));
+    }
+
+    /**
+     * Send status change notification
+     */
+    static async notifyStatusChange(
+        userId: string,
+        newStatus: VerificationStatus
+    ): Promise<void> {
+        const userEmail = `user-${userId}@example.com`;
+        const request = Object.values(MOCK_VERIFICATION_REQUESTS)
+            .find(req => req.userId === userId && req.status === newStatus);
+
+        await EmailService.sendVerificationStatusEmail(
+            userEmail,
+            newStatus,
+            request?.targetTier,
+            request?.rejectionReason
+        );
+    }
+
+    /**
+     * Get all verification requests for user (history)
+     */
+    static async getVerificationHistory(userId: string): Promise<VerificationRequest[]> {
+        await this.simulateDelay();
+
+        const requests = Object.values(MOCK_VERIFICATION_REQUESTS)
+            .filter(req => req.userId === userId)
+            .sort((a, b) => new Date(b.submittedAt).getTime() - new Date(a.submittedAt).getTime());
+
+        // Attach documents to each request
+        return requests.map(req => ({
+            ...req,
+            documents: [...(MOCK_DOCUMENTS[req.id] || [])],
+        }));
+    }
+
+    /**
+     * Cancel pending verification request
+     */
+    static async cancelVerificationRequest(requestId: string, userId: string): Promise<boolean> {
+        await this.simulateDelay();
+
+        const request = MOCK_VERIFICATION_REQUESTS[requestId];
+        if (!request) {
+            throw new Error('Verification request not found');
+        }
+
+        if (request.userId !== userId) {
+            throw new Error('Unauthorized');
+        }
+
+        if (request.status !== 'PENDING') {
+            throw new Error('Can only cancel pending requests');
+        }
+
+        // Update status
+        request.status = 'REJECTED';
+        request.rejectionReason = 'Cancelled by user';
+        request.reviewedAt = new Date().toISOString();
+
+        // Update compliance status
+        await ComplianceService.updateVerificationStatus(userId, 'NOT_STARTED');
+
+        return true;
+    }
+
+    /**
+     * Simulate database delay
+     */
+    private static async simulateDelay(ms: number = 100): Promise<void> {
+        await new Promise(resolve => setTimeout(resolve, ms));
+    }
+
+    /**
+     * Clear all data (for testing)
+     */
+    static clearAllData(): void {
+        Object.keys(MOCK_VERIFICATION_REQUESTS).forEach(key => delete MOCK_VERIFICATION_REQUESTS[key]);
+        Object.keys(MOCK_DOCUMENTS).forEach(key => delete MOCK_DOCUMENTS[key]);
+    }
+}
diff --git a/lib/services/withdrawal.ts b/lib/services/withdrawal.ts
new file mode 100644
index 0000000..5958bb9
--- /dev/null
+++ b/lib/services/withdrawal.ts
@@ -0,0 +1,101 @@
+import { WithdrawalRequest, WithdrawalValidationResult } from "@/types/withdrawal";
+import { ComplianceService } from "./compliance";
+import { TermsService } from "./terms";
+import { GeoRestrictionService } from "./geo-restriction";
+import { mockWalletWithAssets } from "@/lib/mock-wallet";
+
+const MOCK_WITHDRAWALS: Record<string, WithdrawalRequest[]> = {};
+
+export class WithdrawalService {
+    static async validate(userId: string, amount: number, ip: string): Promise<WithdrawalValidationResult> {
+        const result: WithdrawalValidationResult = {
+            valid: true,
+            errors: [],
+            warnings: [],
+            blockers: {},
+        };
+
+        // Check balance
+        if (amount > mockWalletWithAssets.balance) {
+            result.valid = false;
+            result.errors.push('Insufficient balance');
+            result.blockers.insufficientBalance = true;
+        }
+
+        // Check limits
+        const compliance = await ComplianceService.getUserCompliance(userId);
+        const limitCheck = await ComplianceService.validateWithdrawalAmount(userId, amount);
+
+        if (!limitCheck.valid) {
+            result.valid = false;
+            result.errors.push(`Exceeds ${limitCheck.exceededLimit} limit`);
+            result.blockers.exceedsLimit = true;
+            result.blockers.limitType = limitCheck.exceededLimit;
+        }
+
+        // Check hold state
+        if (compliance.holdState !== 'NONE') {
+            result.valid = false;
+            result.errors.push(`Account is ${compliance.holdState.toLowerCase()}`);
+            result.blockers.complianceHold = true;
+        }
+
+        // Check terms
+        const termsStatus = await TermsService.getUserTermsStatus(userId);
+        if (termsStatus.requiresAcceptance) {
+            result.valid = false;
+            result.errors.push('Terms must be accepted');
+            result.blockers.termsNotAccepted = true;
+        }
+
+        // Check location
+        const location = await GeoRestrictionService.checkLocation(ip);
+        if (location.isRestricted) {
+            result.valid = false;
+            result.errors.push('Withdrawals not available in your region');
+            result.blockers.restrictedJurisdiction = true;
+        }
+
+        return result;
+    }
+
+    static async submit(userId: string, amount: number, currency: string, destinationId: string, ip: string): Promise<WithdrawalRequest> {
+        const validation = await this.validate(userId, amount, ip);
+        if (!validation.valid) {
+            throw new Error(validation.errors[0] || 'Withdrawal validation failed');
+        }
+
+        const compliance = await ComplianceService.getUserCompliance(userId);
+
+        const withdrawal: WithdrawalRequest = {
+            id: `wd-${Date.now()}`,
+            userId,
+            amount,
+            currency,
+            destinationId,
+            fee: 2.50,
+            netAmount: amount - 2.50,
+            status: 'PENDING',
+            compliance: {
+                tierAtSubmission: compliance.currentTier,
+                limitsChecked: true,
+                termsAccepted: true,
+                geoCheckPassed: true,
+            },
+            createdAt: new Date().toISOString(),
+        };
+
+        if (!MOCK_WITHDRAWALS[userId]) {
+            MOCK_WITHDRAWALS[userId] = [];
+        }
+        MOCK_WITHDRAWALS[userId].push(withdrawal);
+
+        await ComplianceService.trackWithdrawal(userId, amount);
+
+        return withdrawal;
+    }
+
+    static async getHistory(userId: string): Promise<WithdrawalRequest[]> {
+        return MOCK_WITHDRAWALS[userId] || [];
+    }
+}
diff --git a/package-lock.json b/package-lock.json
index 28656d5..55d5417 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -174,7 +174,7 @@
       "version": "3.2.0",
       "resolved": "https://registry.npmjs.org/@asamuzakjp/css-color/-/css-color-3.2.0.tgz",
       "integrity": "sha512-K1A6z8tS3XsmCMM86xoWdn7Fkdn9m6RSVtocUrJYIwZnFVkng/PvkEoWtOWmP+Scc6saYWHWZYbndEEXxl24jw==",
-      "dev": true,
+      "devOptional": true,
       "license": "MIT",
       "dependencies": {
         "@csstools/css-calc": "^2.1.3",
@@ -188,7 +188,7 @@
       "version": "10.4.3",
       "resolved": "https://registry.npmjs.org/lru-cache/-/lru-cache-10.4.3.tgz",
       "integrity": "sha512-JNAzZcXrCt42VGLuYz0zfAzDfAvJWW6AfYlDBQyDV5DClI2m5sAmK+OIO7s59XfsRsWHp02jAJrRadPRGTt6SQ==",
-      "dev": true,
+      "devOptional": true,
       "license": "ISC"
     },
     "node_modules/@babel/code-frame": {
@@ -1267,7 +1267,7 @@
       "version": "5.1.0",
       "resolved": "https://registry.npmjs.org/@csstools/color-helpers/-/color-helpers-5.1.0.tgz",
       "integrity": "sha512-S11EXWJyy0Mz5SYvRmY8nJYTFFd1LCNV+7cXyAgQtOOuzb4EsgfqDufL+9esx72/eLhsRdGZwaldu/h+E4t4BA==",
-      "dev": true,
+      "devOptional": true,
       "funding": [
         {
           "type": "github",
@@ -1287,7 +1287,7 @@
       "version": "2.1.4",
       "resolved": "https://registry.npmjs.org/@csstools/css-calc/-/css-calc-2.1.4.tgz",
       "integrity": "sha512-3N8oaj+0juUw/1H3YwmDDJXCgTB1gKU6Hc/bB502u9zR0q2vd786XJH9QfrKIEgFlZmhZiq6epXl4rHqhzsIgQ==",
-      "dev": true,
+      "devOptional": true,
       "funding": [
         {
           "type": "github",
@@ -1311,7 +1311,7 @@
       "version": "3.1.0",
       "resolved": "https://registry.npmjs.org/@csstools/css-color-parser/-/css-color-parser-3.1.0.tgz",
       "integrity": "sha512-nbtKwh3a6xNVIp/VRuXV64yTKnb1IjTAEEh3irzS+HkKjAOYLTGNb9pmVNntZ8iVBHcWDA2Dof0QtPgFI1BaTA==",
-      "dev": true,
+      "devOptional": true,
       "funding": [
         {
           "type": "github",
@@ -1339,7 +1339,7 @@
       "version": "3.0.5",
       "resolved": "https://registry.npmjs.org/@csstools/css-parser-algorithms/-/css-parser-algorithms-3.0.5.tgz",
       "integrity": "sha512-DaDeUkXZKjdGhgYaHNJTV9pV7Y9B3b644jCLs9Upc3VeNGg6LWARAT6O+Q+/COo+2gg/bM5rhpMAtf70WqfBdQ==",
-      "dev": true,
+      "devOptional": true,
       "funding": [
         {
           "type": "github",
@@ -1362,7 +1362,7 @@
       "version": "3.0.4",
       "resolved": "https://registry.npmjs.org/@csstools/css-tokenizer/-/css-tokenizer-3.0.4.tgz",
       "integrity": "sha512-Vd/9EVDiu6PPJt9yAh6roZP6El1xHrdvIVGjyBsHR0RYwNHgL7FJPyIIW4fANJNG6FtyZfvlRPpFI4ZM/lubvw==",
-      "dev": true,
+      "devOptional": true,
       "funding": [
         {
           "type": "github",
@@ -1468,7 +1468,6 @@
       "cpu": [
         "ppc64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1485,7 +1484,6 @@
       "cpu": [
         "arm"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1502,7 +1500,6 @@
       "cpu": [
         "arm64"
       ],
-      "dev": true,
       "license": "MIT",
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       "os": [
@@ -1519,7 +1516,6 @@
       "cpu": [
         "x64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1536,7 +1532,6 @@
       "cpu": [
         "arm64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1553,7 +1548,6 @@
       "cpu": [
         "x64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -1570,7 +1564,6 @@
       "cpu": [
         "arm64"
       ],
-      "dev": true,
       "license": "MIT",
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       "os": [
@@ -1587,7 +1580,6 @@
       "cpu": [
         "x64"
       ],
-      "dev": true,
       "license": "MIT",
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       "os": [
@@ -1604,7 +1596,6 @@
       "cpu": [
         "arm"
       ],
-      "dev": true,
       "license": "MIT",
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       "os": [
@@ -1621,7 +1612,6 @@
       "cpu": [
         "arm64"
       ],
-      "dev": true,
       "license": "MIT",
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       "os": [
@@ -1638,7 +1628,6 @@
       "cpu": [
         "ia32"
       ],
-      "dev": true,
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@@ -1655,7 +1644,6 @@
       "cpu": [
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-      "dev": true,
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@@ -1672,7 +1660,6 @@
       "cpu": [
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-      "dev": true,
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       "os": [
@@ -1689,7 +1676,6 @@
       "cpu": [
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-      "dev": true,
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@@ -1706,7 +1692,6 @@
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-      "dev": true,
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@@ -1723,7 +1708,6 @@
       "cpu": [
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-      "dev": true,
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@@ -1740,7 +1724,6 @@
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@@ -1757,7 +1740,6 @@
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@@ -1774,7 +1756,6 @@
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@@ -1791,7 +1772,6 @@
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@@ -1808,7 +1788,6 @@
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@@ -1825,7 +1804,6 @@
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@@ -1842,7 +1820,6 @@
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@@ -1859,7 +1836,6 @@
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@@ -1876,7 +1852,6 @@
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@@ -1893,7 +1868,6 @@
       "cpu": [
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@@ -7149,7 +7123,6 @@
       "cpu": [
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-      "dev": true,
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@@ -7163,7 +7136,6 @@
       "cpu": [
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@@ -7177,7 +7149,6 @@
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@@ -7191,7 +7162,6 @@
       "cpu": [
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-      "dev": true,
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       "os": [
@@ -7205,7 +7175,6 @@
       "cpu": [
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@@ -7219,7 +7188,6 @@
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@@ -7233,7 +7201,6 @@
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@@ -7247,7 +7214,6 @@
       "cpu": [
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@@ -7261,7 +7227,6 @@
       "cpu": [
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@@ -7275,7 +7240,6 @@
       "cpu": [
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@@ -7289,7 +7253,6 @@
       "cpu": [
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       "os": [
@@ -7303,7 +7266,6 @@
       "cpu": [
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-      "dev": true,
       "license": "MIT",
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       "os": [
@@ -7317,7 +7279,6 @@
       "cpu": [
         "ppc64"
       ],
-      "dev": true,
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       "optional": true,
       "os": [
@@ -7331,7 +7292,6 @@
       "cpu": [
         "ppc64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7345,7 +7305,6 @@
       "cpu": [
         "riscv64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7359,7 +7318,6 @@
       "cpu": [
         "riscv64"
       ],
-      "dev": true,
       "license": "MIT",
       "optional": true,
       "os": [
@@ -7373,7 +7331,6 @@
       "cpu": [
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+      "devOptional": true,
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       "deprecated": "Use @exodus/bytes instead for a more spec-conformant and faster implementation",
-      "dev": true,
+      "devOptional": true,
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@@ -20609,7 +20546,7 @@
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+      "devOptional": true,
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@@ -20619,7 +20556,7 @@
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+      "devOptional": true,
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@@ -20899,7 +20836,7 @@
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@@ -20909,7 +20846,7 @@
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+      "devOptional": true,
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@@ -20941,7 +20878,7 @@
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-      "dev": true,
+      "devOptional": true,
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         "yaml": "bin.mjs"
diff --git a/types/compliance.ts b/types/compliance.ts
new file mode 100644
index 0000000..184b2ad
--- /dev/null
+++ b/types/compliance.ts
@@ -0,0 +1,98 @@
+// KYC Verification Tiers
+export type KYCTier = 'UNVERIFIED' | 'BASIC' | 'VERIFIED' | 'ENHANCED';
+
+// Compliance Hold States
+export type ComplianceHoldState = 'NONE' | 'REVIEW' | 'SUSPENDED' | 'BLOCKED';
+
+// Verification Status
+export type VerificationStatus = 'NOT_STARTED' | 'PENDING' | 'APPROVED' | 'REJECTED';
+
+// Verification Document Types
+export type DocumentType = 'GOVERNMENT_ID' | 'PROOF_OF_ADDRESS' | 'SELFIE' | 'ADDITIONAL';
+
+export interface WithdrawalLimits {
+  daily: number;
+  weekly: number;
+  monthly: number;
+  perTransaction: number;
+}
+
+export interface WithdrawalUsage {
+  dailyUsed: number;
+  weeklyUsed: number;
+  monthlyUsed: number;
+  lifetimeTotal: number;
+  lastResetDaily: string;
+  lastResetWeekly: string;
+  lastResetMonthly: string;
+}
+
+export interface KYCTierConfig {
+  tier: KYCTier;
+  limits: WithdrawalLimits;
+  requirements: string[];
+  processingTime?: string;
+  description: string;
+}
+
+export interface UserCompliance {
+  userId: string;
+  currentTier: KYCTier;
+  limits: WithdrawalLimits;
+  usage: WithdrawalUsage;
+  holdState: ComplianceHoldState;
+  holdReason?: string;
+  verificationStatus: VerificationStatus;
+  restrictedJurisdiction: boolean;
+  jurisdictionCode?: string;
+  createdAt: string;
+  updatedAt: string;
+}
+
+export interface VerificationRequest {
+  id: string;
+  userId: string;
+  targetTier: KYCTier;
+  status: VerificationStatus;
+  submittedAt: string;
+  reviewedAt?: string;
+  rejectionReason?: string;
+  documents: VerificationDocument[];
+  notes?: string;
+}
+
+export interface VerificationDocument {
+  id: string;
+  type: DocumentType;
+  fileName: string;
+  fileUrl: string;
+  uploadedAt: string;
+  verified: boolean;
+}
+
+// Helper type for remaining limits calculation
+export interface RemainingLimits {
+  daily: number;
+  weekly: number;
+  monthly: number;
+  percentUsed: {
+    daily: number;
+    weekly: number;
+    monthly: number;
+  };
+}
+
+// Appeal types
+export type AppealStatus = 'PENDING' | 'UNDER_REVIEW' | 'APPROVED' | 'DENIED';
+
+export interface VerificationAppeal {
+  id: string;
+  userId: string;
+  verificationRequestId: string;
+  reason: string;
+  additionalInfo?: string;
+  status: AppealStatus;
+  submittedAt: string;
+  reviewedAt?: string;
+  reviewNotes?: string;
+}
diff --git a/types/geography.ts b/types/geography.ts
new file mode 100644
index 0000000..b7698f9
--- /dev/null
+++ b/types/geography.ts
@@ -0,0 +1,20 @@
+export interface RestrictedJurisdiction {
+  code: string; // ISO country code or US state code
+  name: string;
+  type: 'COUNTRY' | 'STATE';
+  reason: string;
+  effectiveDate: string;
+}
+
+export interface UserLocation {
+  ip: string;
+  countryCode: string;
+  countryName: string;
+  regionCode?: string;
+  regionName?: string;
+  city?: string;
+  isVPN: boolean;
+  isProxy: boolean;
+  isRestricted: boolean;
+  restrictionReason?: string;
+}
diff --git a/types/terms.ts b/types/terms.ts
new file mode 100644
index 0000000..99b1abf
--- /dev/null
+++ b/types/terms.ts
@@ -0,0 +1,28 @@
+export interface TermsVersion {
+  id: string;
+  version: string;
+  title: string;
+  content: string;
+  summary?: string;
+  effectiveDate: string;
+  requiresReacceptance: boolean;
+  createdAt: string;
+}
+
+export interface TermsAcceptance {
+  id: string;
+  userId: string;
+  termsVersionId: string;
+  termsVersion: string;
+  acceptedAt: string;
+  ipAddress: string;
+  userAgent: string;
+}
+
+export interface UserTermsStatus {
+  hasAcceptedCurrent: boolean;
+  currentVersion: string;
+  lastAcceptedVersion?: string;
+  lastAcceptedAt?: string;
+  requiresAcceptance: boolean;
+}
diff --git a/types/withdrawal.ts b/types/withdrawal.ts
new file mode 100644
index 0000000..b3a4f83
--- /dev/null
+++ b/types/withdrawal.ts
@@ -0,0 +1,46 @@
+import { KYCTier } from './compliance';
+
+export interface WithdrawalRequest {
+  id: string;
+  userId: string;
+  amount: number;
+  currency: string;
+  destinationId: string; // Bank account ID
+  destinationName?: string;
+  fee: number;
+  netAmount: number;
+  status: 'PENDING' | 'PROCESSING' | 'COMPLETED' | 'FAILED' | 'CANCELLED';
+  compliance: {
+    tierAtSubmission: KYCTier;
+    limitsChecked: boolean;
+    termsAccepted: boolean;
+    geoCheckPassed: boolean;
+  };
+  createdAt: string;
+  processedAt?: string;
+  completedAt?: string;
+  failureReason?: string;
+}
+
+export interface WithdrawalValidationResult {
+  valid: boolean;
+  errors: string[];
+  warnings: string[];
+  blockers: {
+    insufficientBalance?: boolean;
+    exceedsLimit?: boolean;
+    limitType?: 'daily' | 'weekly' | 'monthly' | 'perTransaction';
+    complianceHold?: boolean;
+    restrictedJurisdiction?: boolean;
+    termsNotAccepted?: boolean;
+    unverifiedAccount?: boolean;
+  };
+}
+
+export interface WithdrawalHistoryFilters {
+  startDate?: string;
+  endDate?: string;
+  status?: WithdrawalRequest['status'];
+  limit?: number;
+  offset?: number;
+}