ChatKYC is an AI compliance document generation platform that creates examination-ready AML/CFT policies, risk assessments, and compliance procedures with verified regulatory source references and audit trails. Built for individual MLROs, compliance officers, and sole practitioners.

What documents can ChatKYC generate?

AML/CFT policies, business-wide risk assessments, customer due diligence procedures, sanctions screening frameworks, transaction monitoring policies, crypto-asset risk assessments, and Travel Rule compliance procedures.

Which jurisdictions does ChatKYC cover?

Any jurisdiction worldwide with applicable AML/CFT legislation. Documents reference frameworks from the FCA, EBA, FinCEN, CBUAE, MAS, CIMA, FATF, Basel Committee, IOSCO, Wolfsberg Group, and more.

How does ChatKYC prevent AI hallucination?

ChatKYC uses Obira, a proprietary AI engine with anti-hallucination protocols, temporal intelligence for current vs superseded regulations, and hierarchical citation architecture. Every claim is anchored to a verifiable regulatory source.

Is ChatKYC suitable for crypto compliance?

Yes. ChatKYC covers MiCA, VARA, Travel Rule compliance, DeFi protocol risk analysis, and blockchain transaction monitoring frameworks.

CHATKYC

Q: How much does ChatKYC cost?

$20/month during beta. One plan with all features and all jurisdictions. No minimum seats, no annual contract.

Product

How It Works

Pricing

Resources

Product

How It Works

Pricing

Resources

FOR CONSULTANTS, MLROS & LEAN TEAMS

The AI compliance platform that does the work and shows the evidence.

Stop manually hunting for regulatory references. Generate examination-ready documents with verified audit trails in under 3 minutes.

Run Your First Document — Free

Generate a doc free

Resources

7-day free trial. See the exact source references on your own policy in 3 minutes.

Welcome back, Alex

How can we help you?

Run a gap analysis on our AML policy against current FCA regulations and JMLSG guidance. Flag all missing provisions and map every gap to a verified regulatory source reference so I can implement the updates immediately.

ABCD_LTD AML Policy v2.docx

ChatKYC

I have analyzed the ABCD_LTD AML Policy_v2 against current FCA and JMLSG frameworks. I found 3 critical gaps requiring immediate remediation to meet examination standards.My review process involves two stages:

🚨CRITICAL COMPLIANCE ISSUES

CRITICAL GAP 1: Absence of Proliferation Financing (PF) Risk

Policy Section: 1, 3, 5 (and throughout)
Gap Identified: The policy omits any reference to the financing of the proliferation of weapons of mass destruction. The BWRA and overall framework are not explicitly designed to identify, mitigate, and manage PF risks.

Send a message...

ChatKYC

New chat

My Chats

Today’s

FinCrime Policy

Yesterday’s

MiCA Recommendations

My Files

Today’s

AML_policy,doc

Yesterday’s

Risk_Assessment.xlsx

KYC_Form.pdf

Account Settings

Welcome back, Alex

How can we help you?

FCA Policy Gap Analysis

Export Output

Run a gap analysis on our AML policy against current BSA regulations and FinCEN requirements. Flag all missing provisions and map every gap to a verified regulatory source reference so I can implement the updates immediately.

ABCD_LTD AML Policy v2.docx

ChatKYC

I have analyzed the ABCD_LTD AML Policy_v2 against current BSA and FinCEN frameworks. I identified 3 critical gaps requiring immediate remediation to meet examination standards:

🚨CRITICAL COMPLIANCE ISSUES

CRITICAL GAP 1: Missing CVC Obfuscation & Mixer Typologies

Current Policy: Relies on traditional fiat monitoring rules and fails to explicitly define controls for anonymity-enhanced cryptocurrencies (AECs) or decentralized mixers.
Regulatory Requirement: FinCEN mandates that institutions processing crypto transactions implement explicit transaction monitoring typologies specifically calibrated for obfuscation techniques, including chain-hopping and CVC mixers.
Verified Source Reference: FinCEN Advisory FIN-2019-A003 (Section 4); 31 U.S.C. § 5318(g) (SAR Requirements).
Action: I have generated the examination-ready remediation text to replace Section 5.1 of your policy below, so you can finalize this update immediately.

🔒 SECURE: WE NEVER TRAIN AI ON YOUR DATA

Never manually cross-reference a regulation again

Obira—our proprietary intelligence engine—monitors global regulators so you don't have to. Every gap analysis is mapped to the latest rules from the FCA, MiCA, FinCEN, and FATF.

YOUR AUTOMATED 2ND LINE

An expert on-demand to build your audit trails.

Built by active MLROs to eliminate the manual research bottleneck.

ChatKYC

New chat

Upgrade for less than $5 / month

My Chats

Today’s

AMLD6 Implementation

Yesterday’s

MiCA Recommendations

My Files

Today’s

AML_policy,doc

Yesterday’s

Risk_Assessment.xlsx

KYC_Form.pdf

Account Settings

AMLD6 Implementation

Save Document

I am a financial crime SME. My firm is a payments company headquartered in Lithuania with branches across the EU, US and UK.

How can I implement AMLD6 in my company's financial crime programme?

I am a financial crime SME. My firm is a payments company headquartered in Lithuania with branches across the EU, US and UK.

How can I implement AMLD6 in my company's financial crime programme?

I am a financial crime SME. My firm is a payments company headquartered in Lithuania with branches across the EU, US and UK.

How can I implement AMLD6 in my company's financial crime programme?

ChatKYC

Key Aspects of AMLD6 for Your Organization's AML Policy:

AMLD6 introduces several important changes to enhance the EU's framework for combating money laundering and terrorist financing. Below are the aspects most relevant to your payments company:

1. Expansion of Predicate Offenses

-AMLD6 expands the list of predicate offenses for money laundering to include 22 specific crimes. These now explicitly include environmental crimes, cybercrime, and tax crimes.

Action for Policy

Key Aspects of AMLD6 for Your Organization's AML Policy:

AMLD6 introduces several important changes to enhance the EU's framework for combating money laundering and terrorist financing. Below are the aspects most relevant to your payments company:

1. Expansion of Predicate Offenses

-AMLD6 expands the list of predicate offenses for money laundering to include 22 specific crimes. These now explicitly include environmental crimes, cybercrime, and tax crimes.

Action for Policy

Key Aspects of AMLD6 for Your Organization's AML Policy:

AMLD6 introduces several important changes to enhance the EU's framework for combating money laundering and terrorist financing. Below are the aspects most relevant to your payments company:

1. Expansion of Predicate Offenses

-AMLD6 expands the list of predicate offenses for money laundering to include 22 specific crimes. These now explicitly include environmental crimes, cybercrime, and tax crimes.

Action for Policy

Message ChatKYC...

ChatKYC

New chat

My Chats

Today’s

AMLD6 Implementation

Yesterday’s

MiCA Recommendations

My Files

Today’s

AML_policy,doc

Yesterday’s

Risk_Assessment.xlsx

KYC_Form.pdf

Account Settings

AMLD6 Board Memo

Export Output

Draft a board-ready executive memo outlining the mandatory operational changes our EU branches must make to comply with DORA. Map every required update to the specific article in the directive so the board understands our exact liability.

ChatKYC

MEMORANDUM: DORA Operational Readiness & Board Liability Exposure
To: The Board of Directors

This memo outlines the mandatory operational updates required across our EU branches to ensure compliance with the Digital Operational Resilience Act (DORA).

🚨 PRIORITY 1: Mandatory Audit of Third-Party ICT Contracts

Directive Requirement: DORA explicitly makes the Management Body (the Board) ultimately accountable for third-party technology risks. We must initiate an immediate operational audit and renegotiation of all existing ICT vendor contracts to include mandatory termination rights, exit strategies, and full audit access for EU competent authorities.
Verified Source Reference: DORA Regulation (EU) 2022/2554, Article 28 (ICT third-party risk principles) and Article 30 (Key contractual provisions).
Action Required: I have drafted the formal board resolution below to authorize the immediate freeze of new ICT vendor onboarding until our revised vendor risk framework is approved.

How can I help?

The Verification Engine

Don't just spot the regulatory gap. Prove exactly how to close it.

When a framework is outdated, ChatKYC doesn't just tell you what's wrong. It rewrites the broken sections and attaches the exact jurisdictional source references you need to justify the change to a regulator or a client.

Your automated 2nd line

An expert on-demand that builds the audit trail for you

Whether you are an independent consultant managing multiple clients or a lean team holding the MLRO liability alone, ChatKYC turns hours of manual regulatory hunting into a 3-minute workflow.

Examination-Ready Output

Generate complete 30+ page AML policies, risk assessments, and board-ready reports. Extract the full text directly into your branded templates.

Distil Complex Regulatory Data Instantly

Turn dense regulations in to actionable insights and receive strategic direction.

Explore our blog

Verified Source References

Mandatory source mapping on every response. No more hunting through the FCA or FinCEN handbooks—the exact provisions are embedded automatically.

Article Link

External link description

Extract the new crypto money laundering typologies from this 2026 Elliptic report. Cross-reference them against our uploaded Enterprise Risk Assessment and draft the missing control frameworks required by FinCEN.

I have cross-referenced the 2026 Elliptic Report against your current US Crypto Exchange Enterprise Risk Assessment (ERA)

🚨 IDENTIFIED VULNERABILITY: Chain-Hopping via DEXs

Current ERA Status: Lacks specific transaction monitoring controls for cross-chain obfuscation (chain-hopping).
FinCEN Requirement: FinCEN Advisory FIN-2019-A003 mandates explicit monitoring typologies for chain-hopping and anonymity-enhanced cryptocurrencies.
Action: I have drafted the required examination-ready control framework update to insert into Section 5 of your ERA below...

THE CAPACITY MULTIPLIER

Your expertise scales. Manual research doesn't.

Every hour you spend hunting down jurisdictional rules caps your income. We built ChatKYC to eliminate the manual research bottleneck that destroys a consultant's profit margin and steals time from a lean team's operational queue.

Your value is strategic compliance. Not manual regulatory research.

Stop Starting from Scratch

Generate 30+ page AML policies, risk assessments, and gap analyses that are ready for client review, not just empty templates.

The Verification Engine

Generic AI asks you to trust it blindly. ChatKYC forces the AI to show its work, giving you examination-ready documentation with an instant, verifiable audit trail.

Bulletproof Your Liability

Powered by real-time monitoring of the FCA, FATF, FinCEN, and global regulators. You'll never miss a jurisdictional update again.

Days of Work in Minutes

A full AML policy draft in under 10 minutes, not 3 days. A risk assessment while you finish your coffee. Time back in your week for the work that matters.

Built by Compliance Experts

Your Data Stays Private

We never train our AI on your documents or queries. Your confidential policies, client data, and compliance strategies remain yours alone.

How Much Does ChatKYC Cost?

Cheaper than one hour of manual research.

Act as your own automated 2nd line of defense. Get verified regulatory answers and instant gap analyses to protect your liability.

Monthly Subscription Pricing

TRY free

Free

for 7 days

Upload a real policy. Run a gap analysis.

Run Your First Document

Try Free

FREE PLANS INCLUDE

Unlimited chats

Everything in Pro

Customized to your profile & role

No credit card needed!

FREE PLANS INCLUDE

Try ChatKYC Free

Risk assessment drafting

Advanced document enhancement and edit capabilities, including comprehensive editing for lengthy documents

Document comparison and analysis

Access to text to table prompting (table generation)

In-depth risk and compliance strategic insights

and MORE!

TRY FREE

Try ChatKYC Free

Everything in Pro

No credit card needed!

AFTER YOUR TRIAL

Pro / Solo & Lean Teams

$20 for 3 months

during beta

Your automated 2nd line of defense

Get 3 Months at $20

Instant Gap Analysis: Upload policies and find missing regulatory provisions in minutes.

Verified Source References: Every claim maps to the exact regulation.

Draft & Refine: Draft complex procedures via chat with an expert AI.

Full Document Extraction: Export the complete policies, risk assessments, and gap analyses generated in your chat directly to Markdown/TXT to drop into your firm's templates.

Testimonals

What people are saying about ChatKYC

See why users love ChatKYC, with over 10,000 user prompts processed and rising. Discover how ChatKYC is transforming risk and compliance management for professionals around the world.

Anthonia
"I had the opportunity to test Chat KYC, with the primary goal of exploring how it could be applied to our day-to-day responsibilities. During my evaluation, I tested a range of tasks including drafting policies, frameworks, and source of funds and source of wealth templates, among others. What stood out most was how well the platform is tailored to specific professional functions, in my case, compliance. Beyond generating suggestions, it references the relevant regulations to support its outputs and clearly explains the reasoning behind its recommendations. This level of transparency adds real confidence to the process. Overall, Chat KYC is a product that has the potential to meaningfully improve workflows and eliminate much of the guesswork that comes with complex compliance tasks. Most importantly, it enhances efficiency without removing the human judgment that remains essential to the role."
A
Anthonia Brown, Financial Crime Consultant
Gordon
"As someone very new to AI apps (I had never used AI beforehand), I found ChatKYC to be very intuitive when inputting prompts. The responses received to my queries helped me to carry out tasks quicker and easier than usual, improving efficiency and enabling more progress to be made in my project. I found ChatKYC to be a useful tool in my day to day work."
G
Gordon Smith, Business Analyst
Adedotun
"My experience with ChatKYC has been impressive. It stands out as a specialised compliance documentation tool rather than a generic AI chatbot. Its strength lies in producing structured, framework-aligned policies and risk documentation that are genuinely usable for AML/KYC programmes and financial crime governance. The inclusion of regulatory references is particularly valuable. Documentation that cites relevant rules and guidance is far more practical for audit preparation and internal review. That said, outputs still require independent verification before formal adoption, as with any AI-generated compliance material. I also value its stated privacy position — specifically that user inputs are not used for retraining. For teams handling sensitive compliance frameworks and internal control documentation, this separation is essential. Overall, ChatKYC feels purpose-built for compliance professionals who need structured, regulation-aware documentation rather than generic conversational responses."
A
Adedotun Adebiyi, Compliance Specialist Brown, Financial Crime Consultant

Anthonia

"I had the opportunity to test Chat KYC, with the primary goal of exploring how it could be applied to our day-to-day responsibilities. During my evaluation, I tested a range of tasks including drafting policies, frameworks, and source of funds and source of wealth templates, among others. What stood out most was how well the platform is tailored to specific professional functions, in my case, compliance. Beyond generating suggestions, it references the relevant regulations to support its outputs and clearly explains the reasoning behind its recommendations. This level of transparency adds real confidence to the process. Overall, Chat KYC is a product that has the potential to meaningfully improve workflows and eliminate much of the guesswork that comes with complex compliance tasks. Most importantly, it enhances efficiency without removing the human judgment that remains essential to the role."

Anthonia Brown, Financial Crime Consultant

Gordon

"As someone very new to AI apps (I had never used AI beforehand), I found ChatKYC to be very intuitive when inputting prompts. The responses received to my queries helped me to carry out tasks quicker and easier than usual, improving efficiency and enabling more progress to be made in my project. I found ChatKYC to be a useful tool in my day to day work."

Gordon Smith, Business Analyst

Adedotun

"My experience with ChatKYC has been impressive. It stands out as a specialised compliance documentation tool rather than a generic AI chatbot. Its strength lies in producing structured, framework-aligned policies and risk documentation that are genuinely usable for AML/KYC programmes and financial crime governance. The inclusion of regulatory references is particularly valuable. Documentation that cites relevant rules and guidance is far more practical for audit preparation and internal review. That said, outputs still require independent verification before formal adoption, as with any AI-generated compliance material. I also value its stated privacy position — specifically that user inputs are not used for retraining. For teams handling sensitive compliance frameworks and internal control documentation, this separation is essential. Overall, ChatKYC feels purpose-built for compliance professionals who need structured, regulation-aware documentation rather than generic conversational responses."

Adedotun Adebiyi, Compliance Specialist Brown, Financial Crime Consultant

Your Questions, Answered

Everything you need to know about ChatKYC

Whether you’re wondering about features, compliance, or pricing, our FAQs provide clear answers to help you make the most of our platform. For help and support, please send an email to: info@chatkyc.ai

Your Questions, Answered

Everything you need to know about verifiable AI.

Who is ChatKYC built for?

What is the scope of compliance covered by ChatKYC?

Do I need to have compliance expertise to use ChatKYC?

What jurisdictions and regions are covered?

How do I know the AI isn't making up rules?

Is ChatKYC suitable for industries outside of Crypto and FinTech?

How does ChatKYC stay updated with the latest regulations?

Your Questions, Answered

Everything you need to know about verifiable AI.

Who is ChatKYC built for?

What is the scope of compliance covered by ChatKYC?

Do I need to have compliance expertise to use ChatKYC?

What jurisdictions and regions are covered?

How do I know the AI isn't making up rules?

Is ChatKYC suitable for industries outside of Crypto and FinTech?

How does ChatKYC stay updated with the latest regulations?

Your Questions, Answered

Everything you need to know about verifiable AI.

Who is ChatKYC built for?

What is the scope of compliance covered by ChatKYC?

Do I need to have compliance expertise to use ChatKYC?

What jurisdictions and regions are covered?

How do I know the AI isn't making up rules?

Is ChatKYC suitable for industries outside of Crypto and FinTech?

How does ChatKYC stay updated with the latest regulations?

Your value is strategic compliance. Not manual regulatory research.

Real-Time
Regulatory Tracking

Real-Time
Regulatory Tracking

Real-Time
Regulatory Tracking

The AI that does the work and shows the evidence.

The information provided by ChatKYC is for informational purposes only and does not constitute legal, financial, or professional advice. While we strive to ensure accuracy, we do not guarantee the completeness or reliability of any response. Users should always check ChatKYC's responses and where relevant, consult qualified professionals before making any decisions solely based on ChatKYC interactions.

Privacy & Security: Conversations with our AI chatbot may be monitored or recorded to improve service quality and ensure compliance with legal standards. Please refrain from sharing sensitive or confidential information. Your use of this chatbot is subject to our [Privacy Policy] and [Terms of use].

No Liability: Oganiru Advisory Ltd and its affiliates disclaim any liability for actions taken or not taken based on ChatKYC responses.

Product

Pricing

Company

DPA (Data Processing)

Acceptable Use

Refunds & Cancellations

For help and support, please send an email to: info@chatkyc.ai