AI AML evidence infrastructure for digital asset firms

Make every AML decision easier to evidence, challenge and audit.

CompliantID helps VASPs, crypto funds, tokenisation platforms, exchanges, custodians and payment firms collect KYB evidence, assess risk, run AI file review, challenge weak decisions and record MLRO approvals.

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AI prepares Humans decide Every decision recorded

Client file review High risk

KYB file: Atlas Digital Markets Ltd

Risk score 74

Ownership chain captured and reviewed
Wallet report attached to the file
Source of funds needs stronger evidence
AI challenge recommends enhanced due diligence
MLRO approval pending with decision note ready

Evidence Challenge Decision Export

The problem

Compliance teams are drowning in proof, not policies.

Digital asset firms often have tools, policies and capable people. The hard part is proving what happened across each customer file, wallet review, source of funds check, escalation and MLRO decision.

CompliantID turns scattered evidence into a controlled decision trail that can be reviewed by the MLRO, senior management, auditors, banking partners, investors and advisers.

The product

One system for AML evidence, AI review, human approval and audit packs.

CompliantID does not replace your MLRO, lawyer or compliance adviser. It gives them better files, clearer risk logic and a documented review trail.

KYB file builder

Collect entity, UBO, director, jurisdiction, wallet, business model and expected activity evidence in one structured file.

Risk scoring engine

Score customer, geography, ownership, product, wallet, source of funds and transaction risk with a clear evidence trail.

AI analyst review

Summarise files, find missing evidence, spot contradictions and draft reviewer notes for human assessment.

AI challenge review

Run a second review that challenges weak assumptions, low risk scores and unsupported approval rationales.

MLRO decision log

Record approval, rejection, escalation, conditions, SAR consideration, reviewer identity and review dates.

Audit pack export

Export the customer file, risk score, evidence list, AI notes, human notes and final decision trail.

Workflow

From intake to audit pack.

Collect

Gather customer, entity, ownership, wallet, activity and document evidence.

Assess

Apply risk scoring and flag triggers for enhanced due diligence.

Review

Use AI to summarise the file, find gaps and draft analyst notes.

Challenge

Run a second AI review to question assumptions before human approval.

Decide

Record the MLRO or compliance decision, rationale, conditions and review date.

Export

Create a full audit pack for internal review, external assurance or adviser use.

The client experience

Clients have a real conversation. Not a form.

Alex researches each client before they arrive. By the time they say hello, Alex already knows their regulatory status, has reviewed their website and checked for adverse media. The interview adapts to what it learns.

Clients regularly forget they are talking to AI. The result is richer information, more honest answers and a compliance file built on genuine understanding rather than ticked boxes.

Pre-screen complete before the client types a word
Adaptive questions based on entity type and jurisdiction
Ownership, source of funds and wallet evidence collected conversationally
Source of wealth interview sent directly to each UBO

compliantid.com · secure onboarding session Pre-screen complete

Hello. Before we begin I have already reviewed Apex Digital Capital's FCA registration, your website and recent press. I can see you hold a CASP licence under MiCA. Could you confirm the names and ownership percentages of your ultimate beneficial owners?

FCA register verified · Adverse media: none

Our two UBOs are James Harrington at 60% and Sofia Reyes at 40%. Both are UK nationals resident in London.

Thank you. As both hold over 25% a source of wealth interview will follow for each. Can you walk me through your primary revenue model and the assets your clients hold with you?

We operate as a custody and execution platform. Revenue is fee-based. Client assets are primarily BTC, ETH and USDC, all fully segregated.

AI forensic review

A second AI reviews every file independently.

After the client interview, a completely separate AI reads the entire file with no knowledge of what was said. Its only mandate is to find what does not add up.

It cross-references every claim against every document, flags missing evidence and identifies contradictions a human reviewer might miss after hours of reading.

Six-dimension forensic assessment on every file
Contradiction detection across documents, narrative and screening results
Three resolution paths offered for each material finding
Independent of the onboarding AI so it cannot be influenced by the client

AI Intelligence Review · Independent forensic assessment

✓ Approve with notes

Executive Summary

Apex Digital Capital is a MiCA-licenced firm with a clear ownership structure and plausible business narrative. A contradiction has been identified between the stated source of wealth and the tax disclosure for UBO Harrington.

Story consistency

Consistent

Documents

Complete

Ownership

Clear

Source of funds

Monitor

Screening

No adverse

Entity

Regulated

Key findings

Both UBOs confirmed as UK nationals. No PEP indicators. Identity and sanctions screening sent, pending completion.

Contradiction: source of wealth vs tax disclosure. UBO Harrington stated inheritance as primary wealth source. His tax return discloses no inheritance receipt. Resolution paths: (1) estate documentation, (2) written client explanation, (3) new SOW interview.

Recommendation

Suitable for conditional approval. SOW contradiction must be resolved before final sign-off. All other dimensions satisfactory.

✦ Ask Alex · Compliance assistant

Reading full file · Apex Digital Capital

MLRO question

Given the SOW contradiction on the tax return and the BVI bank account, am I in a position to approve? What is my defensible rationale and what do I still need?

Alex · Assessment

You are not yet in a position to grant final approval, but you are close. Two items remain outstanding, each with a clear resolution path.

On the SOW contradiction: the discrepancy between the stated inheritance and the tax return is a material inconsistency under your framework. The cleanest resolution is estate documentation. A written explanation is acceptable if plausible and documented.

On the BVI account: this is documentable rather than a blocker. A case note recording that you have considered the structure and assessed it as acceptable given the file quality will satisfy the requirement.

Ask Alex

Your MLRO is no longer working alone.

Ask Alex is a compliance assistant available throughout the review. It reads the complete client file and answers questions about the specific case and about broader regulatory standards.

Ask whether a decision is defensible. Ask what evidence is still missing. Ask it to draft a case note. Every exchange saved to the file becomes part of the audit trail.

Full knowledge of the client file including all documents and screening results
Answers on VQF, FCA, MAS, VARA, FATF standards and AML best practice
Saved exchanges stored with author attribution in the compliance record
Excluded from the forensic review to preserve its independence

What makes it strong

It turns compliance work into a visible control system.

Most firms can say they perform CDD, EDD, wallet checks, sanctions screening and transaction monitoring. Fewer can show the full decision trail quickly.

CompliantID helps you show what was checked, what triggered concern, what was challenged, who approved it and what evidence supported the decision.

Explore all capabilities

Audit pack contents

Customer profile Ownership map CDD checklist EDD triggers Screening record Wallet review Source of funds AI review notes Challenge notes MLRO decision Open issues Review schedule

Regulatory readiness

UK cryptoasset firms must apply to the FCA between September 2026 and February 2027.

Every regulator expects to see AML controls working in practice. CompliantID produces the operational evidence — structured customer files, documented decisions and exportable audit packs — that supports registration and ongoing supervision across the FCA, MiCA, VARA, MAS, VQF and other regimes.

See how it supports regulatory readiness

Show regulators your controls are real, not just described.

A policy document tells a regulator what you intend to do. A CompliantID audit pack shows them what you actually did — how the client was assessed, what the AI flagged, how the MLRO responded and what the final decision was based on.

That is the difference between passing a regulatory review and failing one.

CompliantID does not provide legal advice, regulatory advice or authorisation guarantees. It builds the operational evidence that your MLRO, advisers and legal team rely on.

Built for

Digital asset teams that need clean evidence every week.

VASPs Crypto funds Exchanges Custodians Tokenisation platforms Payment firms OTC desks Compliance advisers

Book a product walkthrough

See how an AML file becomes an audit ready decision record.

Share the type of firm you support, your current review process and the main evidence problem you want to solve. We will show the workflow around your use case.

KYB and CDD workflow AI review and challenge MLRO decision log Audit pack export