Solutions for Fintechs
Compliance at payment volume. One API, no bottleneck.
AuditKey screens every blockchain transfer before it confirms, checks counterparties against sanctions lists and KYC registries in real time, and drafts SARs automatically. Built to run at the speed and volume your payment product demands, without adding analyst headcount.
DTCC AI Hackathon winner. OpenAML contributor at Linux Foundation FINOS.
The compliance gaps fintechs face today
What compliance looks like for fintechs settling on-chain right now.
Your transaction volume outgrew manual review before you launched.
At payment scale, you cannot review every transfer manually. Compliance has to run at product speed, or settlement slows.
Partner compliance reaches your blockchain rails too.
Public chains do not exempt you from partner AML rules. A missed screening is your partner's problem.
Compliance tooling built for analysts, not engineers.
Most compliance tools are analyst dashboards, not APIs. Custom connectors slow your payment roadmap.
Compliance that runs with your payment stack, not against it.
API-First Screening
AuditKey exposes its screening engine through an API built for engineering teams. Submit an address or transaction, receive a risk score, entity label, counterparty exposure breakdown, and sanctions hit status in the response. Integrate screening directly into your payment flow without building a separate analyst workflow on top.
Why a forensic dashboard is the wrong tool for a payment product.
Forensic compliance tools are built for investigation workflows: an analyst opens a dashboard, queries an address, traces a transaction graph, and files a report. That model works for a compliance team reviewing a handful of flagged events. It does not work for a fintech processing thousands of transfers per day.
A payment product needs screening to be a function call, not a workflow. It needs a risk decision in the response to a transfer initiation request, not a report generated after the transfer has already settled. That requires an API-native architecture with sub-second response times, not a dashboard with an export button.
The same gap applies to SAR drafting. A manual investigation that takes an analyst 48 hours to complete creates a backlog the moment your transaction volume exceeds a handful of cases per week. Automated SAR generation is not a convenience feature for a fintech at scale, it is a structural requirement.
Pre-finality screening adds a third dimension. For a payment product operating on public chains, the mempool is the last point at which a transfer can be stopped rather than reported. If your screening only reads confirmed transactions, your compliance posture is retrospective by design, which is increasingly misaligned with what regulators expect of licensed fintechs.
Why teams trust AuditKey
Why fintech compliance teams trust AuditKey.
DTCC AI Hackathon.
AuditKey's prototype won the DTCC AI Hackathon, demonstrating real-time compliance screening at institutional scale. The DTCC processes the majority of US securities settlement volume. Winning that competition in applied AI is a direct signal of institutional-grade build quality.
The compliance obligations fintechs settling on-chain are running against.
Bank Secrecy Act and FinCEN (United States)
Licensed money services businesses and fintechs operating in the US are subject to BSA AML program requirements including transaction monitoring and SAR filing. Confirm your specific MSB or money transmitter license obligations with your legal counsel.
GENIUS Act (United States)
Establishes federal requirements for stablecoin issuers and creates a framework that affects fintechs settling in stablecoins. Confirm current status and applicability with your legal counsel.
MiCA (European Union)
Fintechs operating in the EU that issue, distribute, or settle in crypto assets are subject to MiCA AML obligations including transaction monitoring and reporting. Confirm your specific obligations with legal counsel.
Travel Rule (FATF)
Requires VASPs to pass originator and beneficiary information alongside transfers above applicable thresholds. Fintechs whose payment flows touch VASPs on either side of a transfer need Travel Rule counterparty screening built into their stack.
What they say.
Working with compliance and product teams across the United States, Brazil, Argentina, Colombia, and Latin America.
“Even when you invest heavily in top-tier smart contract audits, static code reviews can only protect you so far; the real test happens when live funds are moving in the blockchain world. AuditKey's Mempool Defense provides that necessary, premier layer of live protection. By continuously screening pending transfers before block finality, AuditKey's mechanism effectively front-runs the threat and pauses the transaction before it can execute against our contracts.”
Eduardo Maceira, CEO, Speck FinanceIntegrate blockchain compliance into your payment stack today.
Create a free account and run your first screening call in minutes. No sales call, no credit card.
Free tier included. API documentation available on sign-up. Upgrade when you are ready for production volume.
Questions fintech engineering and compliance teams ask us.
Straight answers on API integration, latency, and SAR automation.
Does AuditKey have an API for direct integration into a payment product?
Yes. AuditKey exposes its screening engine through an API. Submit an address or transaction and receive a risk score, entity label, sanctions status, and counterparty exposure breakdown in the response. API documentation is available on sign-up.
How fast is the screening response?
AuditKey is designed for sub-second screening at payment volume. Confirm latency benchmarks for your specific integration and chain with the team during onboarding.
Does AuditKey screen before or after a transaction confirms?
AuditKey screens in the mempool, before block finality. For payment flows that initiate transfers, this means a risk decision is available before the transfer is broadcast or while it is pending, depending on your integration architecture.
Does AuditKey support Travel Rule compliance?
Yes. AuditKey includes VASP intelligence and Travel Rule status for counterparty institutions. Confirm your specific Travel Rule obligations and threshold requirements with your legal counsel and integrate accordingly.
Can AuditKey automate our SAR filing workflow?
AuditKey automates SAR drafting. The AI investigator produces a structured, localized SAR draft that your compliance team reviews and files. The filing step remains with your team and your regulatory relationship. Confirm your jurisdiction-specific filing obligations with your legal counsel.
Does AuditKey work for fintechs settling in stablecoins specifically?
Yes. AuditKey is designed for stablecoin and on-chain payment flows. It tracks stablecoin balances and transfers natively alongside native token balances and screens counterparties across the chains your stablecoin settlement runs on.
Is there a free tier for fintechs?
Yes. Create a free account and run screening calls with no credit card required. Production-volume API access and full case management are available on paid tiers.