RISK & COMPLIANCE
Compliance, built into every transaction.
KYC, AML screening, Travel Rule, transaction monitoring — applied uniformly across collections, payouts, FX, and settlements. Not a bolt-on.
WHY THIS MATTERS
Compliance failures kill payment companies.
Wirecard. Binance fines. The list is long. Cross-border + compliance shortcuts is the single biggest existential risk for a payment business.
Vendor-stitched compliance breaks
When KYC, screening, monitoring, and reporting are 4 different vendors with 4 different audit logs, regulators don't accept it. Neither do banks.
Uneven application
Many platforms apply screening only at onboarding, not on every transaction. That's the gap regulators look for.
Latency vs. accuracy tradeoff
Real-time screening with high false-positive rates kills conversion. Async screening misses risk. You need both — running together.
HOW IT WORKS
Compliance applied to every flow.
- 01
Onboarding + ongoing KYC
Tiered KYC at onboarding, with ongoing review triggered by risk events. Document collection, OCR, biometric where required.
- 02
Real-time screening
Every transaction screened against sanctions, PEP, and adverse media at sub-second latency. Hits feed the risk graph.
- 03
Behavioral monitoring
Velocity, structuring, unusual corridor behavior — all monitored continuously. ML scoring + rule-based fallback.
- 04
Reporting + audit
STR, CTR, Travel Rule files generated automatically. Single audit trail across all flows. Examiners-ready.
CAPABILITIES
Regulator-grade compliance, vendor-grade ergonomics.
Tiered KYC + KYB
Light-touch for low-risk, full enhanced due diligence for high-risk. Configurable per corridor and per merchant.
Real-time sanctions + PEP
Sub-second screening on every transaction. Updated lists daily; configurable thresholds and fuzzy matching.
Transaction monitoring
Behavioral rules + ML models. Velocity, structuring, unusual flows — all configurable per merchant risk profile.
Travel Rule support
Sender/recipient data attached automatically for cross-border thresholds. Crypto-ready for Phase 2.
Automated reporting
STR, CTR, SAR generated and queued for review. Single audit trail across collections, FX, payouts, and settlement.
Audit-grade controls
Every screening result, override, and approval logged with operator + reason. Suitable for FATF/MAS/SC examinations.
Make compliance your competitive moat.
Talk to our compliance team about your jurisdiction and risk profile.