Built-In Compliance for Stablecoin Infrastructure

KYC, KYB and AML Screening in One Compliance API

Identity checks, business verification, sanctions screening and transaction monitoring usually come from four different vendors, each with its own contract and its own data format. We fold them into one embedded compliance API, so onboarding and ongoing checks run in the same flow as your payments and report back through one set of webhooks.

Verifying Individuals in Seconds

Automated KYC onboarding is the check a person passes before they can send or receive money. Our identity verification API reads a government ID, matches the face to a selfie with a liveness test, screens the name against sanctions lists and returns a verification result, with timing depending on the checks required. Risk-based rules decide which cases go to a human reviewer, and in practice that's a small share of the queue. Required checks depend on the jurisdiction, customer type and transaction.

Business Verification and Beneficial Owners

Checking a company takes more work than checking a name. The KYB business verification API matches the entity against business registries, collects formation documents and identifies who owns it. Those owners are then screened as individuals in the same flow. Companies change hands, add directors and move offices, so we re-run checks on a schedule rather than once.

Watching Every Transfer After Onboarding

Screening doesn't stop once an account is open. AML transaction monitoring scores each transfer by amount, corridor and customer profile, and names are compared against OFAC, OFSI and UN lists. Alerts arrive as events from our AML compliance API, so they land in your case tool or in our dashboard. Building this in house usually takes months. The API can support monitoring as part of the integration and keeps the reporting trail your analysts need for FinCEN and FINTRAC.

One Request, One Status

One call creates the customer and starts every check they need. KYC, KYB, AML and sanctions screening run side by side, and webhooks tell your system when something passes, fails or needs more information. In the sandbox you can trigger each outcome with test data before writing production code. Teams comparing the best identity APIs for regulatory compliance tend to look at exactly this: how many vendors are involved and how fast a decision comes back. Coverage and responsibilities, including Travel Rule requirements, still need confirming for each jurisdiction and use case.