// For digital banks and neobanks

Retail compliance at the speed your customers expect.

Brayns runs KYC, perpetual review and transaction monitoring on your own policies, in real time, inside your perimeter, with your team on the customers and cases that actually need a person.

// The problem

Digital banks win on frictionless onboarding: an account in minutes, not days. But every customer still needs identity verification, sanctions screening and ongoing monitoring, and regulators expect the same standard as a branch bank clearing a fraction of the volume.

Growth means millions of retail relationships, not thousands. Periodic KYC cycles fall behind, monitoring alerts stack faster than analysts can clear them, and SAR filing becomes the backlog between a closed case and the FIU.

01 / The workforce

One platform.
A workforce of agents.

Agents run your entire compliance operation, each owning a part of it and running it continuously on your own SOPs, at machine scale. The ones below are the financial-crime set, one example of that workforce at work.

Agent
KYC Agent
Onboards retail customers in minutes against your risk policy. It verifies identity, screens sanctions and PEP lists, assesses risk and files the case before the first card is issued or payment sent.
Agent
Perpetual KYC Agent
Keeps your entire retail book under continuous review instead of annual cycles. It re-screens the moment behaviour, income patterns or exposure change, so rising-risk customers are caught when they move, not at the next scheduled review.
Agent
TM Agent
Monitors every payment, transfer and card transaction in real time against your typologies. It clears routine activity and surfaces structuring, mule patterns and jurisdiction risk with the reasoning attached.
Agent
SAR Reporting Agent
Turns a confirmed retail case into a filed report on its own. It assembles the customer and transaction history, drafts the SAR in your FIU format and files it, so reporting keeps pace with how fast your team closes cases.
Agent
Regulatory Change Agent
Tracks banking licence obligations, AML rulebooks and local retail requirements and turns each change into the edits your onboarding and monitoring workflows need. A policy update is running in your operation the day you approve it.
Agent
KYB Agent
Clears business and freelancer accounts by mapping beneficial ownership across registries and resolving conflicts against your policy. Retail-adjacent corporate onboarding keeps pace with consumer volume.
02 / How it works

Changing a policy is how you run it.

Upload your retail onboarding playbook, monitoring thresholds and escalation policy. Brayns builds the workflows, agents run them on every customer and transaction, and when a rule changes the workflows follow the same day.

Step 01

Upload your
policies

Your SOPs, risk policy and thresholds, in the language you already use.

Step 02

Workflows build
themselves

Brayns turns each policy into a runnable workflow. Generated, not coded by hand.

Step 03

Agents run
the work

Continuously, inside your perimeter, with every action written to the audit log.

Step 04

Change a
policy

The workflows follow the same day. Nothing to rebuild, nothing left out of date.

03 / The outcome

App-speed growth. Bank-grade compliance.

Agents run onboarding and monitoring at digital scale; your people handle escalation and the regulator. Below is a live neobank with one point eight million active customers and a sixteen-person financial crime team, adding two hundred thousand accounts a quarter.

2M+
Retail customers under continuous review with risk caught as behaviour shifts.
9%
False positives in the monitoring queue, down from eighty-one percent.
3 min
Average retail onboarding time to policy clearance.
Same day
From confirmed case to filed SAR.
04 / Deployment

It runs where your data lives.

The platform is deployed inside your own environment, so the most sensitive data you hold never leaves it, and control stays with your team.

01

In your
perimeter

Runs on your own infrastructure. No case, prompt or decision is sent to an outside service to be processed.

02

Your data
stays yours

Never used to train the underlying model, and never pooled with another firm's. What is yours stays yours.

03

Humans on the
edge cases

Agents do the work and show their reasoning. Your people hold the decisions that carry real weight.

04

Examination-
ready

Every action reconstructs to its inputs and the policy version in force, produced for a regulator in seconds.

05 / Ideas

How we think about compliance.

The thinking behind the platform — where compliance is going, and why the architecture has to change. Five short pieces.

All pieces →
See it run

See it run on your retail bank.

Bring your policies. We will show you the agents executing them, with the full audit trail, inside your own environment.

Book a demo