Industries/Crypto & digital asset firms/KYC Agent
Corporate KYBcrypto & digital asset firms.
Institutional KYB packs with nested entities get ownership gaps flagged before fiat banking services go live. Compliance manually reviews entity docs for institutional clients.
Scenarios in crypto & digital asset firms
Exchange vs bank timing
Fiat withdrawals and deposits lag exchange ledger timestamps. Agent highlights UBO gaps and sanctions hits with scores.
KYB for corporate traders
Compliance approves institutional onboarding.
Corporate KYB
The demo onboarding file for Halvorsen Trade Partners includes a UBO declaration listing Erik Halvorsen 40% and Ingrid Halvorsen 35%.
What the agent checks
- UBO percentage sum equals 100% (or documented unknown)
- Resolution signatories match director registry
- Hidden owner detection when cap table ⊃ UBO list
- Sanctions / PEP screening at institution threshold
- High-risk geography and industry policy gates
- Source-of-funds plausibility vs stated activity
How it works
- 1
Ingest the pack
Accept PDFs and pasted text from your trial upload or document repository. Classify document type and extract legal name, jurisdiction, and signatories.
- 2
Build the ownership graph
Parse UBO and cap-table statements into a graph. Flag when disclosed percentages do not sum to 100%, when a resolution names an owner missing from the UBO form, or when nested entities lack documentation.
- 3
Screen and score
Run sanctions, PEP, and adverse media checks at configured thresholds. Separate true matches from false positives with explainable match fields.
- 4
Apply policy
Map geography, industry, product type, and screening results to your risk rating model. Assign CDD or EDD paths and required evidence lists.
- 5
Route for decision
Present a disposition packet to onboarding or BSA — approve, request documents, or decline — with every check cited.
Questions
On-chain reconciliation?
Not in scope today. Pilots focus on fiat bank and GL; chain analytics stay with your existing vendors.
Travel Rule?
FinanceAI does not transmit Travel Rule messages; KYC traces support your AML program documentation.
Does FinanceAI need live API access on day one?
No. Many pilots start with scheduled BAI2/MT940/CAMT.053 files and GL exports over SFTP. Read-only APIs come next once security review passes. The live demo uses the shared Aster Bank synthetic ledger.
What if Stellitron Intelligence is unavailable?
Every decision still runs through deterministic rules: amount matching, transposition checks, UBO percentage math, screening score thresholds, and flux materiality gates. Optional intelligence only improves extraction and narrative.