KYC / KYB readiness
Structured identity and entity onboarding designed to meet EU partner-bank standards.
Sanctions screening
Real-time screening of counterparties against major sanctions and PEP datasets.
Transaction monitoring
Behavioural and rules-based monitoring with explainable alerts.
Risk scoring
A configurable scoring model across users, counterparties and corridors.
Counterparty intelligence
Network views over counterparty exposure and risk concentration.
Payment corridor risk
Granular risk views across geographies, currencies and routes.
Audit trail
An immutable timeline across every product surface and approval.
Human approval gates
Configurable hold-and-review steps for sensitive operations.
Partner-bank support
Designed to plug into sponsor-bank compliance workflows.
Risk Intelligence
Subtle AI. Serious oversight.
We use machine intelligence as an invisible compliance and monitoring layer — not as a gimmick. Models support human reviewers, not replace them. Decisions are explainable, auditable, and gated by clear policy.
Sternexus does not currently hold client funds and is not presenting itself as a licensed bank. The compliance architecture is designed for future regulated operation under partner-led arrangements.
Sample risk decision