Remittance & AML compliance software for money service operators
Run cross-border remittance, KYC/AML, and settlement on one compliant platform — with real-time stablecoin rails legacy middleware can’t match. Protect your licences, your bank accounts, and your margins.
One AML failure can cost you your bank accounts. We make sure it never does.
Regulators and banking partners are de-risking MSBs faster than ever. A single missed sanctions hit, unfiled SAR, or weak audit trail can freeze your accounts overnight. StableNet bakes FATF-aligned compliance into every transaction — so you stay licensed, banked, and growing.
sanctions, PEP & adverse-media screening on every transaction
of transactions monitored, scored & audit-logged — no blind spots
ready reporting (SAR/CTR) exportable in one click
Six modules. One compliant remittance platform.
Everything a money service operator needs to onboard, move, monitor, and report — out-detailing generic AML middleware, with stablecoin settlement built in.
Core Remittance System
The multi-corridor engine that moves money end-to-end.
- Inbound & outbound payment orchestration
- Multi-currency, multi-corridor routing
- FX rates & fee management
- Agent, branch & partner network management
- Real-time transaction ledger
AML6-Aligned CRM
Every customer, case, and relationship in one risk-scored hub.
- Sender & beneficiary profiles
- Automated customer risk scoring
- Case & investigation management
- Role-based team workflows
- Full relationship audit history
AML Monitoring Engine
Real-time flagging that catches what rules-only systems miss.
- Micro & macro behavioural pattern detection
- Sanctions & PEP screening
- Adverse-media screening
- Blacklist / watchlist integration
- Configurable risk rules & auto-flagging
KYC / KYB / KYT
Verify every sender, business, and transaction — worldwide.
- Government-ID verification + liveness
- Worldwide document coverage
- Business onboarding (KYB)
- Transaction-level monitoring (KYT)
- Country-configurable policies
Reports & Audit
Turn a regulator visit from a fire drill into a click.
- SAR / CTR-ready reporting
- Scheduled & on-demand exports
- Immutable, tamper-proof audit trail
- Regulator & management dashboards
- Data-retention controls
Cloud & Security
Bank-grade infrastructure, white-label ready.
- Isolated cloud tenancy
- Encryption in transit & at rest
- RBAC, SSO & MFA
- API-first integrations
- White-label web & mobile apps
AML compliance plus real-time settlement.
Most remittance/AML tools stop at compliance. StableNet also settles your payments — in seconds, on stablecoin rails, at a fraction of correspondent-banking cost.
Real-time settlement
Settle cross-border in seconds on stablecoin rails — not 1–5 business days through correspondent banks.
~87% lower cost
Cut correspondent-banking fees dramatically while keeping full custody and control.
Multi-rail by design
Bank, card, SWIFT MT/MX and stablecoin (USDC/USDT) — one platform, every corridor.
Validated, not vapourware
Ripple CBDC Innovate winner, Circle grant recipient, Phaze global partner.
See what you’d save vs. correspondent banking.
Illustrative estimate comparing ~6.2% all-in correspondent-banking cost (fees + FX spread + delays) to ~0.9% on StableNet rails. Your actual savings are scoped per corridor and volume.
StableNet vs. generic AML middleware
Is your MSB audit-ready?
Six questions examiners and banking partners actually ask. Answer honestly — nothing is stored.
6 to go — answer all six to see your result.
The MSB AML Compliance Checklist
The 12 controls every money service operator needs to stay licensed and banked. Use it to benchmark your program in 10 minutes.
- Current FIU / FinCEN MSB registration
- Written, board-approved AML/CFT program
- Designated AML Compliance Officer
- Risk-based CDD & enhanced due diligence (EDD)
- Sanctions, PEP & adverse-media screening — onboarding + ongoing
- Documented real-time transaction monitoring rules
- SAR/STR & CTR filing workflows and thresholds
- Recordkeeping with 5-year retention policy
- Independent AML audit & testing schedule
- Ongoing staff AML training program
- Travel Rule readiness for crypto/stablecoin transfers
- Beneficiary & last-mile verification controls
Built to protect your customers — and your licence.
Internal isolation
- Per-tenant data isolation
- Least-privilege RBAC on every action
- Encrypted secrets & key management
- Comprehensive audit logging
External integration
- Signed, authenticated API requests
- IP allow-listing & OAuth
- Rate limiting & anomaly detection
- Partner sandbox before go-live
Remittance & AML — questions operators ask
Ready to run remittance the compliant way?
See StableNet handle onboarding, AML monitoring, and real-time settlement on your corridors — in a 30-minute walkthrough.