Inyo Compliance
Agentic Compliance for regulated money movement. Specialized agents analyze hundreds of variables in real time across transaction monitoring, sanctions, and reporting — informed by decades of Inyo’s regulatory and operational experience.
Inyo Compliance has entered the agentic era. The product evolved from a unified compliance toolkit into an agent orchestration layer built specifically for AML, sanctions, monitoring, and reporting — multiple specialized agents working in parallel on the transaction stream, surfacing what an analyst actually needs to see and drafting the narrative that goes to regulators.
The foundation is the same as for Inyo360: years of operating across regulated corridors, absorbing regulatory examinations, network audits, and edge-case escalations. That accumulated feedback shapes how the compliance agents are designed and operated — so the orchestration reflects the realities of running a regulated payments business, not a generic AML SaaS pasted on top.
Compliance, run by specialized agents
Every transaction is analyzed by a coordinated set of agents in parallel. The output is a structured, auditable case — with the narrative drafted and the evidence linked — not an alert dropped on a queue.
Agentic Compliance
Agentic Compliance, available today
Traditional AML is rules-then-queue: a velocity rule fires, an analyst opens a case, builds context by hand, writes a narrative, escalates or clears. The queue grows; analyst capacity doesn’t. Inyo’s Agentic Compliance replaces that bottleneck with a coordinated set of specialized agents working in parallel on every transaction and every emerging case — monitoring, sanctions, behavior, counterparty, corridor, structuring, narrative — each contributing to the case file as it builds.
In aggregate, hundreds of variables are analyzed in real time: velocity and structuring signatures, corridor-specific risk, counterparty exposure, watchlist matches and re-screening events, behavioral deviations from the customer’s own baseline, and patterns that span both legs of an AFT/OCT pair. The output is a structured, auditable case — with the narrative drafted, the supporting evidence linked, and the recommendation ready — not an alert dropped on a queue.
Built on decades of regulatory feedback
The compliance agent set is shaped by what Inyo has learned operating as a regulated money mover — through examinations, audits, and the regulatory engagement that comes with running cross-border flows at scale. New regimes, sanctions list changes, and mandate edges feed continuously back into the orchestration layer, so the framework evolves with the rules and the agents stay calibrated against the regulatory bar that actually matters for payments.
Transaction monitoring across the whole stack
Agent-driven monitoring runs alongside explicit, version-controlled rules — velocity limits, structuring patterns, corridor-specific risk, MCC-level thresholds — so you keep deterministic guardrails and gain a layer that catches the patterns rules don’t. The agents are tuned for AFT and OCT flows specifically, not generic e-commerce.
Sanctions, PEP, and adverse-media screening
OFAC, EU, UN, and local watchlist screening on customers, transactions, and counterparties, with continuous re-screening as lists change. Adverse-media checks for enhanced due diligence on higher-risk relationships. Integrated with Inyo360 so screening doesn’t require re-collecting identity data — the same record, the same audit trail.
Reporting and audit readiness
SAR / STR / CTR drafting and submission workflows, with agent-drafted narratives ready for analyst review rather than written from scratch. Full audit logging across every compliance decision, exportable evidence packs for examiners, and the same transaction identifier from the gateway through compliance — one source of truth across the stack.
A wide array of business needs, one platform
Beyond AML basics: chargeback management ties into the same case-management surface, regulatory reporting for MSBs and money transmitters slots in where applicable, and policy-as-code lets compliance changes ship without re-deploying the rest of the stack.
Frequently Asked Questions
What is Inyo Compliance?
Inyo Compliance is Inyo’s compliance product for regulated money movement, powered by Agentic Compliance: a specialized agent orchestration layer that analyzes hundreds of monitoring, sanctions, behavioral, counterparty, and reporting variables in real time across the transaction stream.
What does "Agentic Compliance" actually mean?
It means compliance work is run by a coordinated set of specialized agents working in parallel on every transaction and emerging case — one per concern area (monitoring, sanctions, behavior, counterparty, corridor, structuring, narrative) — rather than rules-then-analyst-queue. The output is a structured, auditable case with the narrative drafted and evidence linked.
How is the orchestration "informed by experience"?
The compliance agent set is shaped by years of Inyo operating across regulated corridors — including regulatory examinations, network audits, and edge-case escalations. That accumulated feedback informs what the agents look for, and new regulatory inputs feed back into the orchestration continuously.
Is Agentic Compliance live in production today?
Yes. Agentic Compliance powers Inyo Compliance in production today, and the agent set continues to grow with regulatory and operational feedback.
How is it different from a third-party AML tool?
Third-party AML tools typically drop alerts on a queue and leave analysts to build the case by hand. Inyo Compliance’s agentic layer builds the case as the signals arrive — surfacing what matters, drafting the narrative, linking the evidence — while keeping explicit, version-controlled rules alongside it. And it is integrated with Inyo Gateway and Inyo360, so transaction signals and identity records live on the same audit trail.
What kinds of reports does it generate?
SAR / STR / CTR drafting and submission workflows with agent-drafted narratives, audit logs across every compliance decision, and exportable evidence packs for examiners.
Does it cover both AML and chargeback management?
Yes. AML monitoring, sanctions screening, and chargeback case management live on the same surface, so an analyst sees the full picture of a customer relationship in one place.
Can I use Inyo Compliance without Inyo Gateway?
Inyo Compliance is designed to plug into Inyo Gateway and Inyo360 as the compliance layer of the stack. Standalone use is possible but the full value comes from the integrated audit trail across all three.
Related reading
Inyo360 — Agentic KYC
The agentic counterpart on the identity side: specialized agents analyzing identity, documents, and payment instruments in real time.
PCI DSS 4.0 Compliance Guide
Future-dated requirements now in effect, client-side script monitoring, MFA, and PCI scope reduction strategies.
KYB Onboarding for Payment Platforms
Beneficial ownership verification, sanctions screening, merchant risk scoring, and ongoing monitoring.
Agentic Compliance, on the same rail as your transactions
Talk to the Inyo team about Inyo Compliance for your regulated money-movement business.
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