AML/CFT & KYC Compliance for remittance and money-changing
Automate screening of senders and recipients, ongoing monitoring, regulatory reporting, STR filing, and more.
40%of licensed money service businesses in Malaysia use OneKYC.
Market position
The compliance backbone for MSBs
We power some of the largest money service businesses in Asia. OneKYC is designed around the way MSBs actually work, from branch operations and repeat customers to live list updates, transaction monitoring and regulatory reporting.
Five compliance jobs, one transaction-first platform
OneKYC turns every transfer into a compliance workflow, covering reporting, screening, threshold monitoring, reviews and fraud detection without duplicate entry.
Regulatoryreporting
Generate STR, CTR, SMR and IFTI drafts directly from transaction data, without retyping details into another portal.
Screening withoutre-entry
Screen senders and beneficiaries using the fields already captured in each transfer, with results priced by unique entity.
Structuringdetection
Monitor cash and transfer activity across branches, agents and customers to catch patterns individual counters may miss.
Periodic reviewautomation
Run risk-based reviews, re-screening and list-update checks on schedule, with alerts when customer risk changes.
Fraud and mulemonitoring
Detect mule networks, linked senders, unusual counterparties and sudden behavior changes as transactions happen.
Repeat transfers · Jan to Dec 202512 this year
SGD to INRRavi to Priya · FebScreen
SGD to INRRavi to Priya · MarScreen
SGD to INRRavi to Priya · AprScreen
9 more this year, all on the same screen credit
1
screen for the whole year
Ravi Kumar was screened once in Jan 2025. Every transfer since runs on that one screen credit, at no extra charge.
Monitored live · auto re-screen on list updateBuilt for repeat customers, without repeated screening fees
OneKYC stores senders and beneficiaries as monitored entities. Repeat transfers reuse the latest screening status, while ongoing monitoring re-screens them automatically when watchlists or risk signals change.
Detect fraud across your branches
OneKYC aggregates cash activity across counters, spots split transactions, and drafts the CTR the moment the reporting threshold is met.
Same sender · 24 June · within 4 hoursNetwork view
Branch 01Cash in · 10:42
SGD 980Below threshold
Branch 02Cash in · 12:15
SGD 970Below threshold
Branch 03Cash in · 13:58
SGD 950Below threshold
SGD 2,900 aggregated
CTR + structuring3 sub-threshold transfers, one sender, one day
Aggregate by sender
Cash summed across every branch and agent in the reporting window.
Cluster the structuring
Near-threshold amounts grouped as one pattern, not isolated transfers.
Apply velocity rules
Per sender, beneficiary and corridor over any window you set.
CTR drafted on breach
Report fields prefill the instant the aggregate crosses the limit.
MSB transaction intelligence
Common rules for live remittance data
Build rules from the fields MSBs already capture on each transfer, not just the customer profile.
Transaction
AmountCorridorPurpose
Sender
IdentitySource of fundsOccupation
Beneficiary
IdentityRelationshipPayout method
Branch & agent
BranchAgentChannel
Rule examples
Live monitoringMany senders, one beneficiaryReview
≥6 senders1 beneficiary24h window
4 matches todaysender · beneficiary · time
Structuring below thresholdCTR check
3 transfers2 branches< thresholdsame day
2 matches todayamount · branch · sender
New high-risk corridorStep-up
known sendernew corridorhigh-risk country
1 match todaysender · corridor · country
AML coverage by market
Mapped to regional AML expectations, FIU workflows, and market-specific filing formats.
Singapore
MASPSA 2019 / MAS Notice PSN01
Hong Kong
HKMA / JFIUAMLO, Cap. 615
Malaysia
BNMAMLATFPUAA 2001
Thailand
AMLOAML Act B.E. 2542
Indonesia
PPATKLaw No. 8 of 2010
Vietnam
State Bank of VietnamLaw on AML 2022
Philippines
AMLCAMLA 2001, RA 9160
India
FIU-INDPMLA 2002
Japan
JAFIC / FSAAct on Prevention of Transfer of Criminal Proceeds
South Korea
KoFIUFinancial Transaction Reports Act
UAE
CBUAE / UAE FIUFederal Decree-Law No. 10 of 2025
Australia
AUSTRACAML/CTF Act 2006
United Kingdom
FCA / NCAMoney Laundering Regulations 2017
European Union
AMLA / National FIUsEU AML Package
United States
FinCENBank Secrecy Act
Run MSB compliance from the transfer itself
See how OneKYC turns sender, beneficiary and transaction data into screening, rules, cases and FIU-ready reports.