CAIBots · KYC / AML Platform

Compliance Decisions,
Derived and Auditable

Seven agents run in parallel across onboarding, enhanced due diligence, sanctions and suspicious-activity reporting. Every risk score recomputes in your browser from published weights. Every decision routes to a named human with a rationale on the record.

Run the Live Demo → Coverage Benchmark

Scores Are Derived, Not Typed

KYCRISK v1.0 computes every composite from five published dimensions. Open DevTools on the demo and run KYCRISK.weights to read them.

0.25

Customer

Entity type, ownership complexity, PEP and adverse-media exposure.

0.25

Behavioural

Transaction patterning against the expected profile for the relationship.

0.20

Geography

Jurisdictional risk, FATF listing status, sanctions nexus.

0.15

Product

Channel and product risk — correspondent, MSB, virtual asset, trade finance.

0.15

Network

Counterparty graph, beneficial-ownership linkage, peer-institution signal.

Bands come from the versioned policy pack KYC-2026.07, not from hardcoded thresholds: SDD at or below 30, EDD from 65, SAR consideration from 85. Change the pack and every band moves with it.

Eleven Lanes, One Decision Surface

Plus a live custom lane that runs any entity you name against the Claude API.

SDD Auto-Clear

Maria Santos · Retail · score 18 → SDD
Low-risk onboarding cleared with zero analyst touch. The lane that proves the platform does not escalate everything.

EDD + PEP Hit

Apex Trading LLC · score 78 → EDD
Dow Jones Tier 2 PEP match on a beneficial owner. Source of wealth documented, enhanced monitoring applied.

SAR · Structuring

Golden Gate MSB · score 89 → EDD + SAR
Cash deposits patterned below the $10,000 CTR threshold across six branches. §5324 narrative required separately.

Correspondent Banking

Baltica Trade Finance Bank · score 86 → EDD + De-Risk
§312 enhanced due diligence on a foreign respondent. Nested relationship disclosed, shell-bank certification on file.

Beneficial Ownership

Crescent Holdings Ltd · score 93 → EDD + SAR
UBO traversal resolves a circular structure across three jurisdictions with no natural person at 25%.

Perpetual KYC

Meridian Capital LLC · score 74 → EDD
Event-driven review fires on ownership change. Risk rating recomputed without waiting for a periodic cycle.

OFAC True Match

Khalid Al-Rashid Trading Co. · score 97 → OFAC BLOCK
A true SDN match is blocked, not frozen. Report due within 10 business days; release requires an OFAC licence.

314(b) Sharing

Vantage Ridge Logistics LLC · score 58 → EDD
Registration verified before any disclosure. Sharing first forfeits the safe harbour — the ordering is the control.

De-Risking Exit

Corvus Ridge Exchange OÜ · score 88 → EDD + De-Risk
A VASP exit returned for governance review. Blanket exit by customer category is not supported.

TM Alert · False Positive

Cascade Payroll Services LLC · score 42 → CDD
A payroll processor cleared against an 18-month baseline. Closing an alert correctly is a decision, and it is logged.

Sanctions Near-Match

Ahmad Hassan · score 36 → CDD
Name similarity resolved on date of birth, nationality and passport. Documented near-match, no blocking obligation.

Coverage Measured Against the FFIEC Manual

Not against a list we wrote. The denominator is the section structure published at bsaaml.ffiec.gov/manual, InfoBase build 2026.0423.9 — 49 sections in the denominator, each named with its revision year and mapped to the lane that exercises it.

42.9%

Demonstrated

19 sections in full, 4 in part, of 49. Computed in-browser via KCOV.verify().

45/45

Proven

Differential harness: KYCRISK independently reimplemented in Python with Decimal arithmetic. Every case agrees.

Excluded by design

Training, independent testing, FBAR, CMIR and others — each named with a reason. A decision layer should not claim them.

42.9% is deliberately not higher. A vendor claiming near-complete coverage of this manual is either redefining coverage or has not met an examiner.

Built for the Examination, Not the Demo

HITL

Mandatory human gate

No decision executes without a named role and a rationale of at least 15 characters. The signature is refused below that, and the refusal is logged.

⚇

Hash-chained ledger

Every event carries the policy version, the previous hash and its own. Recompute the chain live from the workbench.

§5318(g)(2)

Structural blocks

SAR confidentiality and OFAC blocking are enforced structurally — no score, urgency or business justification overrides them.

526%

ROI, calculable

$1.49M net annual benefit, 4.0-month payback. Replace every default with your own volumes and the model recomputes instantly.

Compliance Decisions,Derived and Auditable

Scores Are Derived, Not Typed

Eleven Lanes, One Decision Surface

Coverage Measured Against the FFIEC Manual

Built for the Examination, Not the Demo

Everything Your Team Needs

Compliance Decisions,
Derived and Auditable