The Watch · Pre-Execution Compliance & Risk
One compliance engine across bank rails and blockchains.
Pre-execution transaction monitoring, unified KYC/KYB identity, and automated sanctions screening. The Watch stands beside The Book to stop illicit flow and enforce policy before money moves.
Pre-execution gating · 100% versioned audit trail · Cross-rail AML
- SEPA inbound · EUR 48,200allowedknown identity · 30-day deposits within limit
- USDC outbound · 120,000heldabove approval threshold · waiting for second approver
- Card pay-in · EUR 250blockedsame card with 2 identities in 60 days
- SEPA inbound · EUR 9,900flaggedsender country restricted · case opened
- Internal transfer · EUR 5,000allowedsame identity · velocity ok
In the machine
Everything either writes to the book — or protects it.
The Watch doesn't keep the book or execute transfers. It decides what The Journal is permitted to write into The Book.
What it does
Unified Identity Across Rails
Verify KYC and KYB once and enforce it across all accounts, virtual IBANs, and crypto wallets. Bring your preferred verification partner (Sumsub, Onfido, Veriff) or use Depa Identity Hub.
Cross-Rail Velocity & Structuring Detection
Track cumulative volume, rapid withdrawals, and velocity patterns summed across bank accounts, cards, and on-chain wallets. Flag structuring and smurfing that hides between fiat and crypto.
Pre-Execution Transaction Gating
Stop illicit activity before final settlement. Outbound transfers are evaluated against rules to allow, hold for dual approval, or block immediately. Inbound funds are held in quarantine before posting.
Custom Rules & Shadow Deployment
Author custom risk policies, velocity limits, and corridor restrictions. Test new rules in shadow mode against live production traffic to verify zero false positives before enforcement.
Immutable, Audit-Ready Case Files
Every decision is versioned with the exact rule snapshot, reviewer ID, timestamp, and audit trail ready for FINTRAC, Bank of Canada, or partner bank regulatory inquiries.
Under the hood
Four deterministic outcomes, one unified engine
- Allowpassed all risk and sanctions gates
- Holdrequires second approver above your threshold
- Blockpayment halted pre-execution, webhook fired
- Flagcase opened for compliance review, money quarantined
- Shadow Modeevaluated on live flow without blocking execution
The same risk engine evaluates SEPA, SWIFT, card payments, and on-chain stablecoins. Your rules, your thresholds, and an automated audit trail on every decision.
Who it’s for
Mid-market
Built-in AML, sanctions screening, and transaction monitoring that scales with your volume—eliminating the cost and complexity of separate compliance vendors.
Banks
Institutional-grade transaction monitoring that bridges traditional fiat compliance standards with blockchain wallet analytics, satisfying stringent regulatory oversight.
