Real-time, irrevocable rails
Instant settlement means a sanctioned or fraudulent payment cannot be clawed back. Screening must resolve before authorization, in milliseconds.
Inline screeningCompliance that keeps pace with real-time payments
Payment institutions move money in seconds. OneKYC screens every party, monitors flows and scores risk inline, clearing good payments and stopping bad ones without adding latency.
one-kyc.com · payment screeningLive
Payment streamscreened in < 1s
Nordvik Trading AB → Acme Pte
SEPA · cross-border
R. Danilov
Instant · new payee
Blue Harbor FZE
Wire · high-risk geo
Meridian Retail Ltd
Card · recurring
Aster Foods Pte → Acme Pte
SEPA · cross-border
Throughput · 2,140 / min99.2% auto-cleared
Speed is the product, and the risk
Irrevocable, real-time rails leave no window for after-the-fact review. Controls have to run at the speed of the payment, across every party and corridor.
High-volume noise
Millions of low-value transactions hide the few that matter. Crude rules drown analysts in false positives and slow legitimate payments.
Risk-based rulesCross-border & Travel Rule
Multi-corridor flows mean overlapping sanctions regimes and originator/beneficiary data obligations on every leg of the payment.
Travel RuleMerchant & sub-merchant KYB
Acquiring and platform models inherit the risk of every merchant onboarded, demanding business verification, UBO and ongoing review at scale.
KYBMules & fraud rings
Money-mule networks and first-party fraud exploit fast payouts. Catching them needs device, behavioral and network signals, not just lists.
FraudReporting under pressure
Regulators expect prompt, well-evidenced SAR/STR filings even at high throughput, impossible without an automatic, linked audit trail.
SAR / STRBuilt to catch the pattern, not just the name
Lists catch known names. Payments crime hides in behavior, so OneKYC scores the whole flow and surfaces the patterns that slip past static rules.
01
Transaction laundering
A legitimate-looking merchant processes sales for an undisclosed business, hiding prohibited or higher-risk activity inside clean volume.
Caught by merchant behavior02
Money-mule networks
Dozens of fresh accounts receive and forward funds to a single beneficiary within hours, layering the trail across the network.
Caught by network graph03
Structuring & smurfing
A large sum is broken into many sub-threshold payments across accounts and days to stay under reporting limits.
Caught by velocity rules04
Card testing
Rapid low-value authorizations probe stolen card numbers before a single high-value cash-out is attempted.
Caught by velocity & device05
Cross-merchant collusion
Linked merchants move money in circles or refund-and-rebill to wash funds and inflate processing volume.
Caught by entity links06
MCC evasion
A merchant misdeclares its category or reroutes traffic to mask prohibited or higher-risk activity from the acquirer.
Caught by merchant profiling07
APP & push-payment scams
A victim is socially engineered into authorizing a real-time payment to an account the fraudster controls.
Caught by payee & behavior risk08
Bust-out & suspicious payouts
A dormant account builds trust over weeks, then suddenly drains to high-risk corridors in a coordinated cash-out.
Caught by behavior shiftEvery control a payments regulator examines
From inline sanctions checks to Travel Rule data and suspicious-activity reporting, OneKYC covers the FATF-aligned obligations that apply to PSPs and EMIs across FinCEN, FCA and MAS regimes, and the incoming PSD3, PSR and AMLD6 rules.
- Inline SanctionsPre-authorization
- Travel RuleOriginator / beneficiary
- Merchant KYBUBO & control
- PEP & Adverse MediaCounterparty checks
- Transaction MonitoringReal-time & batch
- Suspicious ReportingSAR / STR packs
- Record-keeping5 to 10 yr retention
- Audit TrailPer-payment decisioning
Every OneKYC module, mapped to the payment flow
One integrated platform from merchant onboarding to per-payment screening, sharing the same record, risk score and audit trail.
Onboarding Merchant / user
Branded onboarding and KYB for merchants and end users. Verified identity, ownership and documents flow straight into the customer record and trigger screening.
ExploreSanctions screening Inline
Screen payers, payees and counterparties pre-authorization against 3,000+ lists in under a second. Fuzzy matching keeps false holds low so good payments clear.
ExploreRisk assessment Dynamic
Score every merchant and user continuously from live transactional behavior, not a one-time KYC snapshot, driving limits, review cadence and the thresholds your monitoring rules apply.
ExploreTransaction monitoring Real-time
Encode your AML policy as live rules that score flows as they happen, catching structuring, velocity abuse and mule patterns without slowing throughput.
ExploreFraud detection Mules & ATO
Device, behavioral and graph signals flag mule accounts, account takeovers and first-party fraud before a payout leaves the platform.
ExploreCase management SAR-ready
Held and blocked payments open cases automatically, with the full payment and customer context attached. Resolve, document and file without leaving the platform.
ExploreWatch the whole network, not just the customer
Risk does not live in one account. OneKYC screens and scores every party on every rail, so a clean payer sending to a dirty payee never slips through.
Every railOne engine, all rails
CardsAuth & capture
ACH & bank transferPush & pull
SEPA & Faster PaymentsInstant rails
WalletsStored value
Crypto on / off-rampVASP flows
Payouts & disbursementsMass payout
Every partyScreened & scored
PayerMerchantSub-merchantPayeeCounterparty
Every party resolves to one shared customer record, risk score and audit trail.
See screening run inline on a live payment
We'll show a payment screened, scored and cleared in under a second, and a held payment opening an evidenced case.