CPAY / Compliance KYC · KYT · AML

KYC & AML.

Compliance built into your payment stack — onboarding, transaction monitoring and screening in one place, not a separate vendor.

Verify users, screen against sanctions and PEP lists, monitor transactions for risk, and generate the reports regulators expect — across your CPAY gateway and wallets.

Book a call → Contact sales

Prefer email? Write us at bd@cpay.world

01 / 05The problem

Compliance can't be an afterthought.

Crypto payment processors, exchanges and wallet providers are obliged entities under AML rules — FATF globally, MiCA in the EU, and more. Getting it wrong means fines, frozen banking, and lost licences.

Most teams bolt on a separate KYC vendor, a separate monitoring tool, and stitch the reporting together by hand. CPAY builds KYC, KYT and AML into the same stack that moves the money — so verification, monitoring and reporting share one source of truth.

cpay / compliance
02 / 05Capabilities

One compliance layer, end to end.

From the first sign-up to the last regulator report — the full KYC, KYT and AML lifecycle in one place.

cpay / capabilities
KYC onboarding
Automated identity verification — document checks, liveness/biometric matching and data validation, in a flow you can brand.
Sanctions & PEP screening
Screen against global sanctions and PEP lists (OFAC, UN, EU, UK) at onboarding — with ongoing re-screening, not just a one-time check.
KYT transaction monitoring
On-chain risk scoring of wallets and transactions — flag exposure to mixers, sanctioned addresses and high-risk counterparties in real time.
Travel Rule
FATF Travel Rule support — exchange originator and beneficiary data with counterparty VASPs where required, without leaving the platform.
Case management
Alerts, review queues, decisions and a full audit trail — so every flag is triaged, actioned and defensible.
Audit-ready reporting
SAR/STR filing support, regulator exports and audit-ready records — generated from the same data that moved the payment.
03 / 05How it works

Verify once. Monitor always.

Compliance runs from onboarding through every transaction — not as a gate you pass once and forget.

cpay / flow
  1. 1
    Onboard
    User submits ID; documents and liveness are verified automatically.
  2. 2
    Screen
    Sanctions, PEP and adverse-media checks run at sign-up — and again on a schedule.
  3. 3
    Monitor
    Every transaction is risk-scored on-chain (KYT); risky activity raises an alert.
  4. 4
    Report
    Alerts become cases; cases become audit-ready reports and filings.
# decision, in one call check POST /v1/kyc/verify → identity verified → sanctions clear → risk score 12 / 100 (low) # ongoing event: kyt.alert.raised → case #4471 event: rescreen.clear
04 / 05Why CPAY

Native to the stack, not bolted on.

Compliance that shares data with your payments and wallets — one source of truth, not three tools to reconcile.

cpay / trust
One source of truth
KYC, KYT and AML share the same data as your payments and wallets — no reconciling across vendors.
Global coverage
OFAC, UN, EU, UK sanctions & PEP lists, plus FATF Travel Rule — coverage that spans your markets.
Production-grade
Already serving crypto payment processors and exchanges — real volume, real audits.
White-label ready
Run KYC, KYT and AML under your own brand across your gateway or wallet product.
05 / 05Who it's for

Whoever has an obligation to meet.

If money moves through your platform, compliance is on you — here's who leans on CPAY for it.

cpay / audiences
A
Crypto payment processors
Onboard merchants and screen transactions without running a separate compliance stack.
B
Exchanges & trading platforms
Full KYC onboarding, KYT monitoring and Travel Rule across every user and trade.
C
Wallets & WaaS providers
Add verification and monitoring to embedded wallets, under your brand.
D
High-risk merchants
Betting, iGaming and forex — meet stricter obligations without slowing onboarding.
FAQCommon questions

Questions, answered.

What compliance and product teams ask first.

cpay / faq
Do I need KYC and AML for crypto payments?
In most regulated markets, yes — crypto payment processors, exchanges and wallet providers are treated as obliged entities under AML rules (FATF, and regimes like MiCA in the EU). The exact requirements depend on your activity and jurisdiction. CPAY gives you the KYC, KYT and AML tooling to meet them without a separate vendor.
What's the difference between KYC, KYT and AML?
KYC (Know Your Customer) verifies who a user is at onboarding. KYT (Know Your Transaction) scores the risk of on-chain transactions and counterparties on an ongoing basis. AML (Anti-Money Laundering) is the wider program — screening, monitoring, case management and reporting — that KYC and KYT feed into.
Does CPAY support the Travel Rule?
Yes. CPAY supports FATF Travel Rule data exchange, so originator and beneficiary information can be shared with counterparty VASPs where required.
Which sanctions and watchlists do you screen against?
Global sanctions and PEP lists — including OFAC, UN, EU and UK — with ongoing re-screening, so a user flagged after onboarding is caught, not just at sign-up.
Can I use KYC & AML with white-label CPAY?
Yes. The compliance stack works with CPAY's white-label setup, so you can run KYC, KYT and AML under your own brand across your gateway or wallet product.
— / —Get started

Make compliance the easy part.

Tell us your markets and product, and we'll map the KYC, KYT and AML you need — and how it plugs into your CPAY stack.

cpay / contact

Verified, monitored,
audit-ready.

One compliance layer across your payments and wallets — onboarding to reporting, under your brand.

Book a 30-min call → Contact sales
general: support@cpay.world business: bd@cpay.world response: < 24h