KapitalKapital
Agentic Finance

Kapital Correlates AML, Sanctions, and Transactions

Transaction data, identity verification, and global sanctions lists in one correlated context graph. SAR candidates and screening gaps surfaced in seconds.

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01The Problem

Every alert fired correctly. The money still left.

Screening matched the name. Payments cleared the wires. KYC held the shared SSN on file. Three systems, three correct answers, and nobody holding the one that mattered: the sanctioned identity was moving money while the alert sat in a queue.

Compliance does not fail on detection. It fails on correlation, and the filing clock starts either way.

02The Trace

Four systems. One answer.

What each system knew, and when it knew it.

AML Analyst
Is this a SAR, and how long have we had?
Kai · context graph · 4 linked records
06:14KYCThree accounts, opened separately, share one SSN. All cleared at onboarding.
09:02ScreeningThe primary identity matches a newly designated sanctioned entity.
09:05PaymentsSeven outbound wires clear. $340K leaves the bank.
11:10Case MgmtThe name-screening alert lands in the queue, unranked, behind 400 others.
KAPITAL CORRELATES THE FOUR

$340K has already left, across 3 linked accounts, and the SAR clock started two hours ago.

Neither the link nor the clock is stored anywhere. Both are derived at query time from the four records above.

SAR PACKAGEfreeze outbound · file within 30 days
Ninety seconds, not three to five days. The evidence package is the output, assembled from the same systems Kapital read.
03Systems

It reads the stack you already run

No rip and replace, no data migration. Kapital queries your systems where they sit.

Core Banking
TemenosTemenos
FISFIS
FiservFiserv
FinastraFinastra
Payments & Wires
SwiftSwift
VisaVisa
MastercardMastercard
ACI WorldwideACI Worldwide
Screening & Sanctions
NICE ActimizeNICE Actimize
ComplyAdvantageComplyAdvantage
VerafinVerafin
QuantexaQuantexa
Identity & KYC
SocureSocure
AlloyAlloy
PersonaPersona
JumioJumio
Credit & Risk
ExperianExperian
TransUnionTransUnion
LexisNexis RiskLexisNexis Risk
FeedzaiFeedzai
Market & Reference
BloombergBloomberg
LSEGLSEG
S&P GlobalS&P Global
Moody'sMoody's

A sample. If a system holds data, a Blueprint can read it. Browse Blueprints

04In Action

The same shape, other questions

A sanctions hit is one query. Financial crime raises a lot of them.

Structuring Pattern Detection

SCENARIO

An account shows 3+ sub-CTR-threshold transactions clustered in a narrow window.

QUESTION

Is this structuring under 31 USC 5324, and which accounts share the pattern?

ANSWER

Kapital traces clustered sub-threshold activity across related accounts and identities, flags the structuring pattern with full transaction evidence, and escalates for compliance review with attribution to the underlying identity graph.

Sanctions Screening Gaps

SCENARIO

An entity was added to sanctions lists this quarter across multiple jurisdictions with 20+ known aliases.

QUESTION

Which customers match this entity across any alias, and what's our exposure?

ANSWER

Kapital monitors 345 sanctions datasets continuously, surfaces high-alias evasion risk, and cross-references against the customer identity graph, catching matches that name-screening alone misses.

Kapital runs on the Korthread platform, reading core banking, payments, screening and KYC systems through Blueprints and answering over Korthread Fabric. See how the platform works

05See it

See Kapital on your transaction data

Kapital reads your core banking, payments, screening and KYC systems through Blueprints. Book a call and we'll walk an alert end to end.

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