// For e-money institutions

Compliance that scales with every account you open.

Brayns runs customer onboarding, safeguarding checks and transaction monitoring on your own policies, with continuous oversight of agents and distributors, and your team on the cases that need a person.

// The problem

E-money institutions sit between retail customers and the payment rails, holding funds under safeguarding rules while onboarding at the pace of a consumer app. Every new wallet needs KYC before it activates, every flow needs monitoring, and every agent or distributor in your network adds another layer of oversight your team must prove to the regulator.

Legacy compliance was built for slower onboarding and smaller books. Volume grows through partnerships and distribution, but review capacity cannot keep pace. Safeguarding breaches, overdue reviews and agent gaps surface in examinations, not in your daily queue.

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 and business accounts against your risk policy in minutes. It verifies identity, screens sanctions and PEP exposure, and clears the relationship to your thresholds before the first e-money balance is held.
Agent
TM Agent
Monitors every payment in and out against safeguarding rules, velocity typologies and your own risk signals. It clears routine flows and escalates structuring, dormant-account abuse and jurisdiction risk with the reasoning attached.
Agent
KYB Agent
Maps beneficial ownership and verifies agents, distributors and corporate partners across registries. It resolves conflicts against your policy and keeps third-party oversight current without the analyst hours a growing network demands.
Agent
Perpetual KYC Agent
Keeps your entire customer and partner book under continuous review. It re-screens the moment behaviour, ownership or exposure changes, so a rising-risk account or agent is caught when it shifts, not at the next periodic sweep.
Agent
SAR Reporting Agent
Turns a confirmed EMI case into a filed report on its own. It assembles the transaction and onboarding trail, drafts the narrative in your FIU format and files it, so reporting is no longer the bottleneck after a decision.
Agent
Regulatory Change Agent
Tracks EMI licensing rules, safeguarding obligations and local AML requirements and turns each change into the edits your onboarding and monitoring workflows need. A new rule is live across every agent the same day you approve it.
02 / How it works

Changing a policy is how you run it.

Upload your onboarding policy, safeguarding thresholds and agent oversight rules. Brayns builds the workflows, agents run them on every account and flow, 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

More accounts. Same safeguarding standard.

Agents absorb onboarding and monitoring volume; your team handles judgement and regulator contact. Below is a live EMI opening thirty-five thousand accounts a month across four distribution partners with a nine-person financial crime team.

40K+
New accounts onboarded monthly while monitoring keeps pace with distribution growth.
14%
False positives in monitoring alerts, down from seventy-eight percent.
Hours
Agent and distributor due diligence, down from two weeks.
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 EMI operation.

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

Book a demo