llms.txt
# Zyphe
> The AI agents platform for compliance: KYC, KYB, and AML reviews prepared by agents and approved by your team, with no central store of customer PII.
Zyphe is an AI agents platform for compliance. Its agents prepare KYC, KYB, AML, sanctions and transaction monitoring reviews inside the tools regulated companies already use, with the evidence and a written rationale attached, and the customer's team approves the decisions. Zyphe sells this two ways: operated review desks that work an agreed queue under a service level, and a verification platform and API priced per verification. Customer PII is encrypted and split across storage nodes rather than held in one Zyphe database, and every decision carries a per-decision audit trail.
## Key facts
- AI agents for compliance operations: KYC, KYB, AML, sanctions, transaction monitoring, EDD
- Two ways to buy: agent review desks (https://www.zyphe.com/agents), priced per completed task on pay as you go, Growth or Enterprise; or the verification platform and API, priced per verification (https://www.zyphe.com/pricing)
- Agents prepare; the customer approves. The decisions AMLR Article 18(3) reserves for the obliged entity stay with the customer
- Decentralised PII storage, NFC chip read, two-step liveness, per-decision audit trail
- Native Model Context Protocol (MCP) server: an agent in Claude, ChatGPT, or Cursor can work KYB cases (clarifications, UBO and director changes, document requests, guarded approval) and dispose of AML screening hits (guarded false-positive clear, escalate to a human), as well as configure verification flows, forms, and API keys
- Designed around GDPR and Regulation (EU) 2024/1624, the EU AML Regulation that applies from 10 July 2027. SOC 2 and ISO/IEC 27001 audits are in progress, with completion targeted Q4 2026. Neither is certified today.
- Agents work inside existing tools the way an analyst does (Unit21, Sumsub, Persona, Alloy, Sift, Jumio, ComplyAdvantage, Chainalysis, TRM Labs, Salesforce, Jira). Naming a tool does not imply a partnership or endorsement
- Coverage: US, UK, EU, multilingual
- Based in New York, London, and Milan
## Core Pages
- [The AI Agents Platform for Compliance | Zyphe](https://www.zyphe.com/): AI agents that prepare KYC, KYB, and AML reviews for your team to approve, with no central store of customer PII and a per-decision audit trail.
- [AI Compliance Agents for KYC, KYB & AML](https://www.zyphe.com/product): AI compliance agents that complete KYC verification, KYB and periodic reviews, AML investigations, sanctions/PEP/adverse media screening, transaction monitoring, EDD, document review and case management end-to-end inside existing tools, with a per-decision audit trail and no central store of customer PII.
- [KYC Software](https://www.zyphe.com/product/kyc-software): KYC verification that runs through Zyphe agents on a substrate that never stores customer PII centrally.
- [AML Software](https://www.zyphe.com/product/aml-software): AML investigations, sanctions and adverse media screening, transaction monitoring, all handled by Zyphe agents inside your existing TM platform.
- [Sanctions Screening Software](https://www.zyphe.com/product/sanctions-screening-software): Sanctions, PEP, and watchlist screening run by Zyphe agents with continuous re-screening as designations change, without pooling customer PII in a central database.
- [KYB Software](https://www.zyphe.com/product/kyb-software): KYB and periodic review agents that resolve UBO chains, registry lookups, and ownership refresh on schedule or on trigger events.
- [KYC Passport](https://www.zyphe.com/product/kyc-passport): Reusable identity credentials customers carry across products. Verify once, reuse everywhere. No repeated uploads, no stored copies.
- [Compliance as a Service: AI Review Desks](https://www.zyphe.com/agents): Operated review desks where Zyphe agents work your compliance queue against your own policy and your team approves. Covers which decisions AMLR Article 18(3) reserves to the obliged entity, and the narrow derogations in Art. 18(3)(e) and Art. 18(7).
- [Sanctions and PEP Alert Review Desk](https://www.zyphe.com/agents/sanctions-pep-alert-review): Operated desk for sanctions and PEP screening alerts: agents compare each hit against your matching policy, write the disposition and its reasoning, and escalate genuine matches for your analysts to approve.
- [Adverse Media Review Desk](https://www.zyphe.com/agents/adverse-media-review): Operated desk for adverse media and negative news screening: agents read the source coverage, resolve whether it concerns your customer, classify it against your risk taxonomy, and summarise with citations.
- [UBO and EDD Review Desk](https://www.zyphe.com/agents/ubo-edd-review): Operated desk for beneficial ownership resolution and enhanced due diligence: agents walk the ownership chain through corporate registries to natural persons, screen them, and assemble the EDD file including what could not be resolved.
- [Transaction Monitoring Alert Triage Desk](https://www.zyphe.com/agents/transaction-monitoring-alert-triage): Operated desk for transaction monitoring alerts: agents reconstruct the account history behind each alert, test it against that customer’s own baseline and your typologies, and draft the disposition or a SAR/STR narrative for your investigator to approve and file.
- [KYC Periodic Review and Refresh Desk](https://www.zyphe.com/agents/kyc-periodic-review-refresh): Operated desk for KYC periodic review, ongoing due diligence and remediation backlogs: agents re-run the checks, diff the result against the file you hold, and flag what materially changed for your team to approve.
- [Industries](https://www.zyphe.com/industry): AI compliance agents for fintech, crypto, payments, banks, neobanks, lending, marketplaces, healthcare, government, and more.
- [Pricing](https://www.zyphe.com/pricing): Two price lists. Identity verification (ID verification, liveness and face match) is priced per verification with self-serve sign-up and no platform fee or monthly minimum, with standalone checks billed per use: AML screening (sanctions, PEP and adverse media), KYB verification priced per jurisdiction with metered ownership discovery, proof of address, wallet screening and transaction monitoring; the first 500 identity verifications each month are free. AI compliance agents are priced per completed task (screening alert reviews, adverse media, KYB, transaction investigations, EDD, SAR/STR drafts, periodic reviews): pay as you go with no minimum, Growth with a monthly minimum credited against usage and lower task rates, or Enterprise on agreed scope. Includes both cost estimators and the full rate tables.
- [Compare: Hiring vs Generic BPO vs Zyphe](https://www.zyphe.com/compare): Real cost, delay, and coverage tradeoffs of internal hiring vs generic BPO vs Zyphe AI compliance agents. Includes a cost calculator.
- [AI compliance agents compared: Castellum.AI, Bretton, Sphinx, WorkFusion, Zyphe](https://www.zyphe.com/agents/compare): Comparison of five agentic AML vendors on supervisory framing, AMLR Article 18 outsourcing boundaries, decision rationale, the human decision boundary, data protection and deployment, integration and delivery model, watchlist data and named references, written by Zyphe (one of the five) with every competitor fact linked to the vendor's own page and checked on 1 October 2026. Castellum.AI, Bretton (formerly Greenlite AI), Sphinx and WorkFusion frame their compliance mainly around US bank supervision (OCC, FDIC, Federal Reserve, NCUA, NY DFS, FinCEN, OFAC) and none addresses Article 18 outsourcing; Zyphe is built around Regulation (EU) 2024/1624. Includes the six tasks Article 18(3) does not permit an EU obliged entity to outsource, subject to the narrow exceptions in Article 18(3)(e) (intra-group FIU reporting in the same Member State) and Article 18(7) (certain collective investment undertakings, with supervisory approval).
- [Customer stories](https://www.zyphe.com/customers): Public, permissioned customer stories: Azimut Group (wealth manager; KYB business verification), Supra (KYC for a 500,000+ user blockchain ecosystem, live six weeks after signing) and Protocol Labs (identity verification for Filecoin storage providers). Each states what it does not claim.
- [Switch KYC providers](https://www.zyphe.com/switch): How to migrate off Sumsub, Onfido, Veriff, or Jumio: five-step migration playbook, contract timing, switching FAQ, and what changes when the new provider keeps no central store of PII.
- [AML Enforcement Tracker](https://www.zyphe.com/resources/aml-enforcement-tracker): Open dataset of major AML fines, sanctions actions, GDPR enforcement and identity-data breaches, with regulator, jurisdiction, penalty amount, a stable record id, and a link to each record’s source labelled by type (the authority’s own announcement wherever one exists). Free to cite under CC BY 4.0, with a methodology, data dictionary and change history on the page. Machine-readable as [CSV](https://www.zyphe.com/enforcement.csv) and [JSON](https://www.zyphe.com/enforcement.json), with new actions on the [RSS feed](https://www.zyphe.com/enforcement.xml).
- [KYC & IDV Breach Tracker](https://www.zyphe.com/resources/blog/kyc-idv-breach-tracker): Running log of identity-verification vendor and KYC data breaches: who was breached, what PII leaked, and what centralized storage cost each company.
- [Illustrative EDD review file and pilot scorecard (synthetic)](https://www.zyphe.com/resources/sample-edd-review): Public editorial example with fictional ownership evidence, reproducible economic-interest calculations, unresolved gaps, a human-review handoff and pilot metric definitions. Not a customer case, production export or measured product result.
- [Sample KYB report (fictional company; page public, PDF sent by email)](https://www.zyphe.com/resources/sample-kyb-report): A complete nine-page Zyphe KYB report generated in the sandbox for a fictional Italian company: risk ratings, registry record and VIES check, directors, shareholders, ownership chain traced through 23 entities to two beneficial owners with a completeness disclosure, the four beneficial-owner tests under Art. 20 D.Lgs. 231/2007, sanctions/PEP/adverse media screening per subject, five years of financials, and a source label (registry, provider, AI analysis, screening engine) on every value. States what the sample does not show.
- [About](https://www.zyphe.com/about-us): The team and mission behind Zyphe, the AI agents platform for compliance, built on a privacy-first substrate. Based in New York, London, and Milan.
- [Security & Trust](https://www.zyphe.com/security): Security architecture (no reconstructable customer PII at rest, geo-locked encrypted shards, no master key), certifications, data residency, the human approval boundary under AMLR Article 18 and GDPR Article 22, and the contact route for certification documentation.
- [GDPR: how Zyphe processes personal data](https://www.zyphe.com/gdpr): GDPR statement for identity verification: controller and processor roles, regional processing and storage (EEA and UK data on EEA and UK nodes), no central store of documents or faces, what is retained and for how long, erasure by key revocation, biometric data under Article 9 with in-house liveness and face matching, sub-processors (Annex III of the DPA), Standard Contractual Clauses and UK Addendum, Article 22 human approval, and what remains with the customer as controller. SOC 2 and ISO/IEC 27001 in progress, not certified.
- [FAQ](https://www.zyphe.com/faq): How Zyphe agents work, what they integrate with, security and audit posture, and where the legal scope ends.
- [Contact / Book a demo](https://www.zyphe.com/contact): See Zyphe agents triage L1 alerts, complete EDD cases, and run KYB reviews against your real workflows.
- [Careers](https://www.zyphe.com/careers): Open roles building the AI agents platform for compliance. Engineering, AI, design, marketing, sales, and content.
## Developer Documentation (docs.zyphe.com)
- [Zyphe Developer Documentation](https://docs.zyphe.com/docs/): Developer documentation for the Zyphe API: KYC, KYB, reusable credentials, AML, and transaction monitoring, with sandbox-first testing and signed webhooks.
- [Quickstart](https://docs.zyphe.com/docs/quickstart): Run a first verification end to end, from API key to result.
- [API Reference (OpenAPI)](https://docs.zyphe.com/docs/openapi/zyphe-sdk/): Full OpenAPI reference for the Zyphe REST API, generated from the live schema.
- [Backend API integration (without the npm SDK)](https://docs.zyphe.com/docs/guides/backend-api-integration): End-to-end recipe for integrating Zyphe from your backend over plain HTTP.
- [Choosing an integration method](https://docs.zyphe.com/docs/choosing-an-integration-method): Hosted flow, direct API, or SDK: which integration path fits which use case.
- [SDKs (Node, browser, React Native)](https://docs.zyphe.com/docs/guides/sdk/): Official Zyphe SDKs for Node.js, browser JavaScript, and React Native.
- [Model Context Protocol (MCP) integration](https://docs.zyphe.com/docs/guides/model-context-protocol-mcp): Operate Zyphe from Claude, ChatGPT, or Cursor over the Model Context Protocol.
- [Webhooks: payloads, structure, and signatures](https://docs.zyphe.com/docs/guides/webhook/): Signed webhook payloads, event structure, custom fields, and backwards compatibility.
- [Sandbox mode and going live](https://docs.zyphe.com/docs/guides/sandbox-and-go-live): Test against the sandbox, then promote an integration to production.
- [KYB and the agentic review engine](https://docs.zyphe.com/docs/guides/kyb/agentic-review-engine): How Zyphe agents resolve company data, ownership chains, and KYB review decisions.
- [AML: monitoring, risk scoring, and agentic review](https://docs.zyphe.com/docs/aml/): Ongoing AML monitoring, risk scoring, and the agentic review engine behind alert dispositions.
- [Transaction monitoring rules and alerts](https://docs.zyphe.com/docs/guides/transaction-monitoring/): Rules and templates, condition fields, lists, and alert settings for transaction monitoring.
- [KYC Passport: reusable credentials](https://docs.zyphe.com/docs/guides/kyc-passport/): Reusable identity credentials: partner invitations, user consent, and one-click KYC.
- [PII access control](https://docs.zyphe.com/docs/pii-access-control): How access to customer PII is granted, scoped, and revoked without central custody.
- [Supported documents by region](https://docs.zyphe.com/docs/supported-documents/): Accepted identity documents across Europe, North and South America, Africa, Asia, Oceania, and the Caribbean.
- [Statuses and codes reference](https://docs.zyphe.com/docs/reference/statuses-and-codes): Complete list of verification statuses and result codes returned by the API.
## Connect an agent (MCP)
- MCP endpoint: `https://api.zyphe.com/mcp` (Streamable HTTP, `Authorization: Bearer <bot token>`)
- 36 tools: 13 KYB case tools, 3 AML disposition tools, and 20 configuration tools for flows, forms, and API keys. Every call is stamped as an audit row with redacted arguments.
- [MCP Server Card](https://www.zyphe.com/mcp/server-card.json): Machine-readable connection details for the Zyphe MCP server (SEP-2127 format).
- [AI Catalog](https://www.zyphe.com/.well-known/ai-catalog.json): Domain-level discovery document listing the agent-facing artifacts Zyphe publishes.
## Italian Market (Italiano)
- [Zyphe Italia: agenti AI per compliance, antiriciclaggio, KYC e KYB](https://www.zyphe.com/it): La piattaforma di agenti AI per la compliance. Automatizza antiriciclaggio, KYC e KYB senza conservare le PII dei clienti, con un audit trail per ogni decisione.
- [Software Antiriciclaggio](https://www.zyphe.com/it/prodotti/software-antiriciclaggio): Agenti AI per lo screening antiriciclaggio, sanzioni, PEP e monitoraggio delle transazioni. Adeguata verifica della clientela e audit trail per ogni decisione.
- [Software KYB](https://www.zyphe.com/it/prodotti/software-kyb): Software KYB: dato richiesto al registro ufficiale a ogni verifica, catena proprietaria fino al titolare effettivo, KYC su ogni persona individuata.
- [Software KYC](https://www.zyphe.com/it/prodotti/software-kyc): Software KYC per verificare l'identità su larga scala senza un archivio centrale di PII dei clienti. Controlli su documenti, biometria e chip NFC, con audit trail per ogni decisione.
- [Guide alla compliance antiriciclaggio](https://www.zyphe.com/it/risorse/guide): Guide in italiano su antiriciclaggio, adeguata verifica della clientela, titolare effettivo e obblighi KYC e KYB.
- [Adeguata verifica della clientela: la guida completa](https://www.zyphe.com/it/risorse/guide/adeguata-verifica-della-clientela): Cos'è l'adeguata verifica della clientela, quando si applica, i livelli ordinario, semplificato e rafforzato e come automatizzarla.
- [Antiriciclaggio e D.Lgs 231/2007: gli obblighi in sintesi](https://www.zyphe.com/it/risorse/guide/antiriciclaggio-dlgs-231-2007): Il decreto antiriciclaggio italiano: chi sono i soggetti obbligati, quali sono gli obblighi di adeguata verifica, conservazione e segnalazione.
- [MiCA e antiriciclaggio per le cripto attività](https://www.zyphe.com/it/risorse/guide/mica-antiriciclaggio-crypto): Cosa prevede il regolamento MiCA per i prestatori di servizi in cripto attività e come si integrano gli obblighi antiriciclaggio, KYC e KYB.
- [Registro dei titolari effettivi: cosa comunicare e come](https://www.zyphe.com/it/risorse/guide/registro-titolari-effettivi): Cos'è il registro dei titolari effettivi, chi è tenuto alla comunicazione e come si inseriscono i dati sulla titolarità effettiva.
- [Titolare effettivo: chi è e come si individua](https://www.zyphe.com/it/risorse/guide/titolare-effettivo): Cos'è il titolare effettivo, i criteri per individuarlo secondo il D.Lgs 231/2007 e gli obblighi legati al registro dei titolari effettivi.
## German Market (Deutsch) — Germany and Austria
- [Zyphe Deutschland: KI-Agenten für Compliance, Geldwäscheprävention, KYC und KYB](https://www.zyphe.com/de): Die KI-Agenten-Plattform für Compliance. Automatisiert Geldwäscheprävention, KYC und KYB, ohne personenbezogene Daten zentral zu speichern, mit Audit Trail.
- [Geldwäsche-Software](https://www.zyphe.com/de/produkte/geldwaesche-software): KI-Agenten für Geldwäscheprävention nach dem GwG: Sanktions und PEP-Screening, Transaktionsmonitoring und Verdachtsmeldungen, mit nachvollziehbarem Audit Trail.
- [KYB-Software](https://www.zyphe.com/de/produkte/kyb-software): KYB-Software: amtlicher Registerauszug für jede Prüfung, Beteiligungskette bis zur natürlichen Person, Identitätsprüfung für jede ermittelte Person.
- [KYC-Software](https://www.zyphe.com/de/produkte/kyc-software): KYC-Software für die Identitätsprüfung im großen Maßstab, ohne personenbezogene Daten zentral zu speichern. Dokument, Biometrie und NFC-Chip, mit Audit Trail.
- [Sanktionslistenprüfung](https://www.zyphe.com/de/produkte/sanktionslistenpruefung): Sanktionslistenprüfung und PEP-Screening per Software: unscharfer Namensabgleich, Risikowert von 0 bis 100 je Treffer, tägliche Neuprüfung, Audit Trail.
- [Leitfäden zu Geldwäscheprävention und Compliance](https://www.zyphe.com/de/ressourcen/leitfaeden): Leitfäden auf Deutsch zu Geldwäschegesetz, Sorgfaltspflichten, wirtschaftlich Berechtigten und Transparenzregister.
- [Geldwäschegesetz (GwG): die Pflichten im Überblick](https://www.zyphe.com/de/ressourcen/leitfaeden/geldwaeschegesetz): Wer Verpflichteter nach dem Geldwäschegesetz ist und welche Pflichten gelten: Sorgfaltspflichten, Aufzeichnung und Verdachtsmeldung.
- [Sorgfaltspflichten nach dem Geldwäschegesetz](https://www.zyphe.com/de/ressourcen/leitfaeden/sorgfaltspflichten): Allgemeine, vereinfachte und verstärkte Sorgfaltspflichten nach dem GwG: wann sie greifen, was sie umfassen und wie der
