The harness compliance agents run inside.
The runtime around the models, under human review.
Why it matters
- For operators who run the program: every case is assembled inside policy, and nothing takes effect until it passes human review.
- For examiners who need the file: every check, finding, and decision is cited and kept in the audit trail.
What the harness provides.
The harnessA restrained set of components around the models.
Policies and rules
Human-approved policy governs every outcome. Agents follow the written playbooks; they do not set policy.Data and tools
KYB, KYC, sanctions, watchlists, device intelligence, and bank linking — the sources the program already names — with findings cited to their source.Memory and case history
Prior evidence and account history inform the next review, subject to policy.Evaluation
Controls stay put when the underlying models change. The program is measured by time to approval, RFI wait, analyst touch time, and override rate.Guardrails
Review gates cannot be configured away. Agents do not file reports or exercise judgment on their own.Human review
Nothing takes effect until it passes human review. Cases that need judgment stay in the loop with a person.Audit trail
Every check, finding, and decision is recorded in the case, ready for an examiner.
How a case flows through it.
A caseThe same rail on every review.
The agent proposes.
Compliance Agent assembles a cited case from the tools the harness provides.
The harness checks.
Policy, guardrails, and the required reviews run around that proposal.
A human reviews.
Cases that need judgment go to human review before any decision takes effect.
The decision is logged.
The outcome and its basis stay in the case file, an audit trail an examiner can follow.
Cases the harness supports.
Case typesKYB onboarding
A review that verifies a company before it can move money on the network.
Agents collect business details and documents, check official registries, and assemble a cited case. Nothing takes effect until it passes human review.
KYC and beneficial owners
A review of the individuals who own or control a business, including identity and liveness checks.
Agents verify identity against documents and authoritative sources, map ownership down to people, and file the findings in the case. Judgment stays with human review.
Sanctions and watchlist hits
A match, or possible match, of a customer, owner, or counterparty against sanctions or watchlists, at onboarding or later.
The harness screens every party, cites the list and the match, and holds the decision for human review.
PEP screening hits
A possible politically exposed person identified at onboarding or in ongoing screening.
Agents assemble the match and its source into the case. A human reviews the adjudication before any decision takes effect.
Adverse media
Negative news or media that may affect a customer’s or counterparty’s risk.
Agents pull the finding into the case with its source. Human review decides what follows.
Counterparty review
A review of a business or payee before it is cleared for the network.
Agents assemble the file from verification and screening already on record. A counterparty cleared once can be reused across the network, and human review still governs the outcome.
KYT (payment screening)
A check on a payment and its counterparty before the payment settles, on fiat and stablecoin rails.
The harness screens the instruction in flight and cites every check. A flagged transfer stops for human review.
Transaction monitoring alerts
An alert from ongoing review of payments over time for AML patterns, in the same case system as KYT.
Agents assemble the alert, its cited activity, and related history into a case. Human review decides the outcome. Some monitoring alerts open a review without holding settlement.
Periodic review
A later review of a customer already on the program, including continuous re-screening as lists and activity change.
Agents reopen the file with current evidence and prior history. Human review governs any change in outcome.
Requests for information (RFIs)
A request for documents or answers when a case is missing evidence, sent as a branded link or email.
An agent drafts the request inside the case. The answer returns to the same file, and human review continues from there.
Enhanced diligence
A deeper review when risk is higher, including additional information requested after a case is already in review.
Agents collect the extra fields and documents, including automatic enhanced diligence RFIs, enrich the case, and return it to human review.
Onboarding runs in your brand.
Your brandapp.northwind.example
Verify your business
- Accent
- Green
- Logo
- Northwind monogram
- Name
- Northwind
- About youComplete
- Verify your businessComplete
- 3Business ownersIn progress
- 4Documents and reviewUp next
Business owners
Add each beneficial owner. We verify each one.
- A. R.A. R.Director · 60%Identity verified
- M. K.M. K.Director · 40%Verifying identity
Accounts, payments and requests in one console.
Console- Payments
- Transfers
- RFI inbox
- Balances and accounts
- Payees
- Verification
- Agents
- Developer
Verification
Onboarding status, open requirements and capabilities.
- Business verificationKYBApproved
- Beneficial ownerID documentNeeds document
- USD balanceCapabilityReady
Answers before you ask
FAQWhat is Compliance OS?
Compliance OS is the harness that compliance agents run inside: the runtime layer around the models. It supplies policies and rules, data and tool access, memory and case history, evaluation, guardrails, human review before any decision takes effect, and a full audit trail.
How is Compliance OS different from Compliance Agent?
Compliance Agent does the casework: it proposes a cited case. Compliance OS is the harness that case runs inside. Institutions that run their own program can adapt the same foundation through Infinite Compliance, as a design partnership.
What can we customize?
Your logo, colors, custom domain, and the onboarding experience end to end; neobanks run their whole signup this way. Ask for the whitelabel specification, including any required Infinite attribution.
What happens when a case needs review?
It goes to human review with the case already assembled by Compliance Agent: cited checks, documents, and open questions. Nothing takes effect until that review is complete, and the decision and its basis are recorded.
What signals strengthen onboarding beyond documents?
Device intelligence, behavioral biometrics, and bank linking run inside every session and inform the decision, with no separate vendors.
Do we need our own KYC or KYB vendor?
No. KYB, KYC, sanctions screening, and beneficial ownership all run inside the session. Already have a vendor? We can discuss how its data fits.
How long does onboarding take for a customer?
Most sessions finish in one sitting, and automated checks typically clear the same day. Approved customers get accounts and move money immediately.
Is Compliance OS sold separately from the platform?
No. Onboarding, screening, and monitoring come with every Infinite account and payment. Hosted onboarding in your brand is one surface of the harness.
What is KYB?
Know Your Business: verifying a company, its owners, and its activity before it can move money on the network. Infinite runs KYB under human-approved policy; the bank partner reviews every file and keeps final authority on the account.
What is KYT (know your transaction)?
KYT screens each payment before it settles, on fiat and stablecoin rails alike. KYB and KYC establish who you are dealing with at onboarding; transaction monitoring then watches activity over time for AML patterns, in the same case system.
Which countries and markets does Infinite cover?
Infinite onboards businesses from the United States and the markets listed under Embedded Finance today. Industry eligibility is decided case by case, and the bank partner reviews every file. More markets open on request; see also coverage.
Are stablecoin transfers monitored the same way as fiat?
Yes. Every counterparty passes sanctions screening before funds move on fiat and stablecoin rails alike, and flagged transfers stop for human review under the same case system.
What does 'cleared once' mean?
A business reviewed by Infinite does not repeat onboarding for each counterparty on the network. The cleared file is reused across corridors and payment types, with Compliance Agent assembling the evidence under human-approved policy, and human review still governing the outcome.
Who governs onboarding, Infinite or the bank partner?
Infinite runs the program under human-approved policy and answers any RFI. The bank partner reviews every file under its own program and keeps final authority. That split is the same whether the customer is a business or an AI agent under KYA.
Can Infinite's AI move money or approve customers on its own?
People approve compliance policy. Compliance Agent assembles and documents every case inside that policy; cases that require judgment go to human review. The AI does not set policy, file reports, or exercise judgment on its own.
Which licences does Infinite hold?
Current documents and disclosures are on Legal. Licensing posture depends on your flow of funds and markets, and we walk through the detail in diligence.
Compliance OS, in the glossary.
Key termsSee the harness around a real case.
Thirty minutes, from the proposal to the logged decision.
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