Real-Time AML · Pre-Settlement Screening

Decide before settle. Not flag after.

Pre-settlement KYT, sanctions, and behavioural screening on every transaction in milliseconds. Multi-vendor analytics across Chainalysis, Elliptic, and TRM Labs. Sanctions coverage across OFAC, EU, UK, FINTRAC, and UN. Audit-grade case management built for regulator review.

<200ms Decision Latency
3+ Analytics Vendors
5 Sanctions Lists
Pre-Settle Decision Point

Built for compliance teams that own the SAR

Three foundations under every screening decision.

Multi-vendor analytics, full sanctions coverage, and pre-settlement decisioning — running on every transaction across Custody, Payments, and Cross-Corridor Settlement.

Multi-vendor KYT.

Chainalysis, Elliptic, and TRM Labs running in parallel on every transaction. Consensus passes; conflicts escalate. Fewer false positives, fewer missed signals.

Five-list sanctions screening.

OFAC SDN, EU CFSP, UK HMT, FINTRAC, and UN Security Council — checked on every leg, before signature. List updates synchronised within hours of publication.

Pre-settlement decisioning.

Pass / hold / escalate decided before signature, in under 200 milliseconds. Suspicious transactions never reach settlement; clean transactions clear without operational drag.

KYT Screening

Three risk engines. One decision.

Every transaction is screened in parallel across Chainalysis, Elliptic, and TRM Labs. Consensus scores decide automatically; conflicting scores escalate for human review. The result: fewer false positives, fewer missed signals, and a defensible trail showing which vendor said what — so the SAR is never one analyst's opinion.

  • Chainalysis + Elliptic + TRM Labs in parallel on every leg
  • Consensus + dissent escalation logic at policy threshold
  • Vendor evidence preserved per transaction for audit
Request KYT vendor stack

Sanctions Screening

Five lists. Every leg. Before signature.

Counterparties, beneficiaries, and underlying wallets are screened against OFAC SDN, EU CFSP, UK HMT, FINTRAC, and the UN Security Council list on every transaction. List updates are synchronised within hours of publication. A match — even partial — holds the transaction and routes it to senior compliance review with full match evidence.

  • OFAC + EU + UK + FINTRAC + UN — five lists on every leg
  • List updates synchronised within hours of publication
  • Partial-match holds with named-list evidence preserved
Request sanctions methodology

Pre-Settlement Decisioning

Pass, hold, or escalate — before the signature is produced.

Every transaction enters the screening engine, runs through the multi-vendor stack, and exits with one of three outcomes: pass to settlement, hold for analyst review, or escalate to senior compliance. The decision is made before the MPC ceremony signs — so suspicious transactions never reach the chain. Clean transactions clear without operational drag.

  • Decision before MPC signature, not after settlement
  • Pass / hold / escalate routing tied to client policy thresholds
  • Sub-200ms end-to-end including all vendor calls
Request decisioning policy spec

Audit-Grade Case Management

Cases your regulator can review without translation.

Every flagged transaction generates a case file with the screening evidence, vendor scores, behavioural signals, and disposition decision. Cases are timestamped, named-analyst attributed, and exportable in regulator-standard formats for MiCA filings and FINTRAC reporting. SAR filing is supported, but the goal is fewer SARs because more risk is blocked at the gate.

  • Vendor evidence + behavioural signals preserved per case
  • Named analyst per case · disposition workflow audit-logged
  • Exportable in MiCA / FINTRAC / SAR-ready formats
Request sample case export

Who uses Real-Time AML

Built for compliance teams that own the SAR, not the spreadsheet.

Real-Time AML is operated by regulated institutions where the compliance team owns transaction-level risk and reports directly to the regulator — not after the fact, but in real time.

Segment 01

Banks

Banks adding digital asset transaction lines to existing AML frameworks — using Alphaex's screening stack instead of building parallel analytics infrastructure.

Segment 02

Exchanges

Centralised digital asset exchanges screening user deposits, withdrawals, and on-platform transfers — using Alphaex screening for pre-clearance and risk routing.

Segment 03

OTC desks

OTC trading desks screening counterparties and trades in real time — using Alphaex AML infrastructure to make pass / hold decisions at the moment of settlement.

Segment 04

Payment institutions

Licensed payment institutions and EMIs operating digital asset payment products — using Alphaex Real-Time AML as the embedded compliance layer behind their consumer-facing rails.

Segment 05

Custodians

Independent custodians screening client transactions before signature — using Alphaex's vendor stack to avoid building three independent analytics integrations in parallel.

Segment 06

RegTech & compliance platforms

RegTech platforms embedding institutional-grade AML and KYT screening into their compliance product — using Alphaex as the underlying analytics and decision engine.

Compliance Stack

A stack your compliance team and your regulator both recognise.

Real-Time AML runs the same vendor stack used by Tier-1 banks and licensed payment institutions — Chainalysis for wallet attribution, Elliptic for typology and risk scoring, TRM Labs for forensic depth, and the full sanctions list set required by EU, UK, and Canadian regulators.

MiCA CASP ApplicationBank of LithuaniaFiled April 2026
Wallet AttributionChainalysisActive
Typology & Risk ScoringEllipticActive
Forensic DepthTRM LabsActive
Sanctions CoverageOFAC + EU + UK + FINTRAC + UNLive
Behavioural ScoringAlphaex in-houseActive
SAR FilingRegulator-standard formatsAvailable

Move AML decisioning from after the fact to before the signature.

Alphaex is accepting institutional onboarding applications for Real-Time AML — both as a standalone service for regulated institutions and as the compliance layer behind Custody, Payments, and Cross-Corridor Settlement.

Institutional clients only. Subject to KYB review. Alphaex Digital Vault UAB · MiCA CASP Application Filed · Bank of Lithuania · April 2026.