diff --git a/utils/constants.js b/utils/constants.js
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+// utils/constants.js
+
+// API Endpoints
+export const API_BASE_URL = 'https://api.decentralizedbanking.com';
+export const REGISTER_ENDPOINT = '/register';
+export const LOGIN_ENDPOINT = '/login';
+export const CREATE_IDENTITY_ENDPOINT = '/create-identity';
+export const DEPOSIT_ENDPOINT = '/deposit';
+export const WITHDRAW_ENDPOINT = '/withdraw';
+export const CREATE_ESCROW_ENDPOINT = '/create-escrow';
+export const RESOLVE_ESCROW_ENDPOINT = '/resolve-escrow';
+
+// Web3
+export const WEB3_PROVIDER_URL = 'https://mainnet.infura.io/v3/YOUR_INFURA_PROJECT_ID';
+
+// Contract Addresses
+export const BANKING_CONTRACT_ADDRESS = 'CONTRACT_ADDRESS';
+
+// JWT
+export const JWT_SECRET_KEY = 'SECRET_KEY';
+
+// Rate Limiting
+export const RATE_LIMIT_WINDOW_MS = 15 * 60 * 1000; // 15 minutes
+export const RATE_LIMIT_MAX = 100; // Limit each IP to 100 requests per windowMs
+
+// Risk Management
+export const RISK_MANAGEMENT_THRESHOLD = 0.8; // Threshold for triggering risk management
+
+// Compliance and Regulatory Framework
+export const AML_REGEX = /^[A-Z0-9]+$/; // Regular expression for validating AML-compliant identifiers
+export const KYC_REGEX = /^[A-Za-z0-9._%+-]+@[A-Za-z0-9.-]+\.[A-Za-z]{2,}$/; // Regular expression for validating KYC-compliant email addresses