Payment Screening and Audit Trail
What this capability does inside your payment flow.
Every payment is automatically screened against UN/OFAC/EU sanctions, PEP databases, and adverse media in under 0.14 seconds. Bank-grade security with full audit trails for regulators. We handle compliance so you can focus on business. Use it to reduce payment ambiguity, improve control before money moves, and keep proof, timing, and supplier context closer to the payment decision.
How it works in the payment workflow
Payment Initiated
When you or your team initiate a payment, our compliance engine activates immediately—before the transaction is processed.
Multi-Database Screening
In 0.14 seconds, we check: UN Consolidated List, OFAC SDN, EU Sanctions, UK HMT, PEP databases, and adverse media sources.
Risk Assessment
AI analyzes screening results, transaction patterns, and beneficiary history. Low-risk payments proceed clearly; flagged items route to review.
Audit Trail
Every check is logged with timestamp, data sources, and decision rationale. Full audit trail available for regulators and internal compliance.
What it should remove
Where it matters
High-Volume Payment Operations
Process 50 payments daily without compliance delays. Each screens in 0.14s, so your entire payment run completes in under a minute—not days.
New Supplier Onboarding
Add a new Chinese supplier. clear screening checks their entity, directors, and ownership against all sanctions lists. Approval or flag in seconds.
Regulatory Audit
FCA audit requests payment compliance records. Export complete audit trails showing every check, timestamp, and decision for any date range.
Operational difference
| Aspect | Unicorn Currencies | Traditional Banks |
|---|---|---|
| Screening Time | 0.14 seconds | 24-48 hours |
| Coverage | UN, OFAC, EU, UK, PEP, Adverse Media | Varies—often incomplete |
| Audit Trail | Complete, exportable | Limited visibility |
| False Positive Handling | AI-assisted review | Manual review queues |
Need this capability inside your payment flow?
If this is tied to a supplier payment, proof trail, FX decision, or control issue, talk to treasury before the payment becomes harder to manage.
For businesses with $1M+ annual FX volume. Not consumer transfers.