Onboard more good customers without weakening AML control
Decision Deck helps digital asset services decide what treatment each customer, wallet and transfer needs. Approve low-risk customers faster. Request only the evidence that matters. Route high-risk cases to the right review. Control access, limits and transfers as behaviour changes.
Faster onboarding · fewer review bottlenecks · stronger AML control · clearer decision evidence.
Make KYC more than a blunt rule gate
A verified identity is not the same as an acceptable customer relationship. A customer can pass document and liveness checks yet still create concern through jurisdiction, source of funds, intended activity, wallet exposure or screening results.
Decision Deck helps you decide what onboarding treatment should follow from the available evidence picture.
Components used
- Risk Stratification ↗
Separates standard onboarding, controlled approval, evidence-deficient cases, EDD cases and rejection or block cases.
- Policy Dynamics ↗
Applies AML/KYC policy, sanctions rules, PEP handling, jurisdiction rules, EDD triggers and senior approval requirements.
- Predictive models
Estimate customer risk, evidence confidence, likely review complexity and future monitoring concern.
- Recommendations Block ↗
Selects the next onboarding action: approve, approve with controls, request evidence, refer to EDD, require senior approval, reject or hold.
- Evidence Vault ↗
Records the evidence, policy, risk factors, recommendation and final decision.
Bring customer, wallet and payment evidence into one decision
Digital asset onboarding often depends on evidence held in separate tools. Identity verification says one thing. Sanctions screening says another. Blockchain analytics adds wallet exposure. Fiat rails add payment-account ownership. Source-of-funds evidence may be weak or incomplete.
Decision Deck combines fragmented onboarding evidence into one customer risk decision.
Components used
- Matching Block ↗
Connects applicant identity, documents, screening results, wallet data, payment account data, VIBAN ownership, counterparties and previous case history.
- Risk Stratification ↗
Assesses the combined pattern, rather than treating each signal in isolation.
- Noise Resilience ↗
Separates weak or incomplete signals from evidence that genuinely changes the onboarding route.
- Policy Dynamics ↗
Determines which combinations require controls, EDD, senior approval, rejection or further evidence.
- Evidence Vault ↗
Records which signals mattered and which did not.
Request the evidence that actually moves the case
Digital asset onboarding slows down when teams ask for broad evidence instead of the missing evidence that changes the decision. Good customers wait. Review teams rework cases. Risk teams still may not get what they need.
Decision Deck identifies the minimum extra evidence needed to move the case forward.
Components used
- Recommendations Block ↗
Selects the next evidence action: request proof of funds, source of wealth, bank statement, wallet explanation, corporate document, Travel Rule data or no further evidence.
- Policy Dynamics ↗
Defines which evidence is required for each risk state, jurisdiction, product and activity type.
- Risk Stratification ↗
Separates cases that can proceed from cases where missing evidence changes the risk decision.
- Case Triage ↗
Routes evidence-deficient cases to the right operational queue.
- Evidence Vault ↗
Records what was missing, why it mattered and how it was resolved.
Route EDD to the cases that need judgement
Enhanced due diligence is expensive. It should not become the default path for every borderline customer, weak screening match or incomplete profile.
Decision Deck sends EDD teams the cases where judgement can change the outcome.
Components used
- Case Triage ↗
Prioritises EDD by urgency, risk severity, decision readiness and operational consequence.
- Risk Stratification ↗
Separates genuine high-risk cases from incomplete, noisy or low-consequence cases.
- Recommendations Block ↗
Suggests the review path: standard review, EDD, senior approval, MLRO escalation, evidence request or controlled approval.
- Policy Dynamics ↗
Defines mandatory review, escalation thresholds and non-negotiable controls.
- Evidence Vault ↗
Gives reviewers the risk factors, evidence gaps, policy basis and prior actions.
Handle Travel Rule exceptions without manual drag
Travel Rule issues are not all the same. Some transfers are missing data. Some data is incomplete. Some data conflicts. Some cases need a pause, return, freeze or escalation. Others can proceed with a targeted request.
Decision Deck decides what action is justified when originator, beneficiary or counterparty CASP information is incomplete or unverified.
Components used
- Matching Block ↗
Connects originator, beneficiary, wallet, counterparty CASP, account and transfer data.
- Policy Dynamics ↗
Applies Travel Rule requirements and defines when to process, pause, request data, return, freeze or escalate.
- Exception Handling ↗
Stops the normal path when required information is missing, conflicting or high consequence.
- Recommendations Block ↗
Selects the next operational action.
- Evidence Vault ↗
Records the data issue, policy requirement and final transfer treatment.
Control access, limits and withdrawals by customer state
Digital asset services lose value when access is limited to approved or rejected. Some customers can be approved safely with limits. Some need restricted withdrawals. Some need wallet checks before higher limits. Some need monitoring before product expansion.
Decision Deck recommends the right access and control package for the customer’s current risk state.
Components used
- Risk Stratification ↗
Separates customers by onboarding risk, wallet exposure, payment method risk and expected activity.
- Recommendations Block ↗
Selects controls: standard access, lower limits, withdrawal hold, restricted assets, additional wallet checks, review cadence or enhanced monitoring.
- Policy Dynamics ↗
Keeps access decisions inside AML, product, jurisdiction and internal risk rules.
- Behavioural Dynamics ↗
Tracks whether activity remains consistent with the customer profile.
- Evidence Vault ↗
Records why the customer received a specific access level or control.
Re-evaluate customers when behaviour changes
Onboarding risk can go stale fast. A customer approved as low risk can change behaviour after activation. Deposit patterns, withdrawals, wallet exposure, counterparties or transaction activity may stop matching the original profile.
Decision Deck connects onboarding to ongoing monitoring so behaviour change triggers controlled re-evaluation.
Components used
- Behavioural Dynamics ↗
Reads divergence between expected activity and observed activity.
- Predictive models
Estimate emerging risk, unusual activity, account behaviour change and monitoring concern.
- Risk Stratification ↗
Separates normal change, watchlist movement, high-risk behaviour and urgent intervention.
- Policy Dynamics ↗
Defines when to monitor, request evidence, restrict, escalate, freeze or review.
- Monitoring
Tracks customer risk movement over time.
Test policy changes before they hit customers
A change to onboarding thresholds, EDD triggers, source-of-funds rules, wallet risk policy or Travel Rule handling can move conversion and workload fast. It can also increase risk, slow onboarding or flood compliance teams.
Decision Deck tests digital asset policy changes against decision evidence before rollout.
Components used
- Simulation
Tests policy and threshold changes against historical and live case populations.
- Predictive models
Estimate impact on approvals, referrals, rejections, manual workload, customer friction and risk exposure.
- Policy Dynamics ↗
Versions onboarding, Travel Rule, EDD and monitoring policy.
- Monitoring
Shows what changed after deployment and where outcomes differ from expectation.
- Evidence Vault ↗
Links each decision to the policy and model version active at the time.
Make digital asset service decisions easier to approve and defend
Decision Deck helps digital asset services turn fragmented KYC, AML, wallet, payment and Travel Rule signals into clear customer treatment decisions.
Use it to improve onboarding, evidence requests, EDD routing, access controls, transfer handling and ongoing monitoring with stronger decision evidence.