DETECT.
COMPLY.
PROTECT.
AI-powered fraud detection and AML compliance for South African financial institutions and Crypto Asset Service Providers.
Every transaction monitored. Every threat scored. In real time.
The SNTNL Platform
Purpose-built for South African compliance requirements.
Fraud Detection Engine
Customizable rules mapped to your RMCP risk matrix: structuring, velocity abuse, dormant accounts, cross-border anomalies. Every trigger produces documented evidence of your controls in action.
AI Compliance Co-Pilot
An AI analyst embedded in your workflow. Explains alerts, generates STR narratives, surfaces patterns across investigations, and automates routine compliance decisions, so your team focuses on the cases that matter.
Counterparty Network Graph
Visualize hidden relationships between customers: shared phones, emails, wallets, fuzzy name matches, and transfer counterparties. Automatically clusters connected entities and scores fraud ring risk across your entire customer base.
Compliance Command Centre
Real-time alert management, customer intelligence, EDD case workflows, regulatory filing tracking, and full audit trails. 4-tier approval routing from analyst to MLRO with SLA-based escalation.
What SNTNL Does
End-to-end transaction intelligence, from ingestion to regulatory filing
Transaction Monitoring
Real-time ingestion and analysis of every fiat and crypto transaction. Customizable fraud rules mapped to your RMCP risk matrix, catching structuring, velocity abuse, dormant account reactivation, and high-risk jurisdiction patterns. Documented evidence of every control, ready for regulatory inspection.
Sanctions & PEP Screening
Automated screening against global sanctions lists, PEP databases, and adverse media via Chainalysis and Sumsub integrations. Continuous monitoring with automatic EDD triggers, not just onboarding checks.
KYC & Identity Verification
Multi-layered customer due diligence with document verification, biometric matching, and enhanced due diligence triggers for high-risk profiles. FICA-aligned workflows out of the box.
Regulatory Reporting
goAML v5.0.2 compliant XML exports for STR, CTR, and IFTR filings. AI-generated SAR/STR narratives with full evidence chains. 4-tier approval workflows with SLA-based escalation, from analyst to MLRO. Every decision documented, every control auditable.
Travel Rule Compliance
Automated originator and beneficiary data exchange for every virtual asset transfer, meeting FATF Recommendation 16 requirements. Seamless integration with VASP counterparties for compliant cross-border crypto transfers with full audit trails.
On-Chain Scanning
Every wallet address checked against OFAC, UN, and proprietary sanctions lists before transactions clear. Cross-references address labels on major block explorers to surface known darknet markets, mixers, high-risk exchanges, and flagged entities. Traces transaction hops to detect layering through intermediary wallets.
How It Works
From raw transaction to compliance decision in milliseconds
Ingest
SNTNL connects to your banking feeds, crypto exchange APIs, and payment rails. Every transaction, fiat and crypto, flows into the monitoring engine in real time.
Analyse
Customizable fraud rules, aligned to your RMCP, run against every transaction. A 5-component risk model blends transaction patterns, KYC scores, behavioral deviation, network analysis, and jurisdiction risk into a composite threat score. Structuring, velocity abuse, dormant account manipulation, fraud rings, all caught and documented automatically.
Act
A 4-tier approval workflow routes alerts by severity, from analyst to supervisor to compliance officer to MLRO. SLA deadlines enforce resolution times. AI generates STR narratives with full evidence chains, ready for goAML filing.
Financial crime doesn't sleep. Neither does SNTNL.
Trusted by
Who SNTNL Serves
Built for the institutions navigating South Africa's regulatory landscape
Crypto Asset Service Providers
FSCA-mandated compliance for licensed CASPs. SNTNL automates the transaction monitoring, sanctions screening, and STR filing that regulators demand, purpose-built for the South African crypto landscape.
Banks & Payment Providers
Layer SNTNL on top of existing payment infrastructure. Real-time fraud scoring across debit orders, EFTs, card transactions, and cross-border payments, with full FICA and FIC Act alignment.
Money Remittance Services
High-volume, cross-border transaction monitoring with velocity checks, structuring detection, and corridor-specific risk rules. Flag suspicious remittance patterns before they cross borders.
Compliance Consultants
White-label SNTNL for your compliance advisory clients. Multi-tenant architecture lets consultants manage multiple client portfolios from a single dashboard with segregated data and reporting.
Why SNTNL
What sets SNTNL apart from generic compliance tools
Not a foreign compliance tool adapted for local use. SNTNL is engineered for FSCA, FICA, and FIC Act requirements: goAML v5.0.2 exports, SAR/CTR/STR/IFTR automation, PCC 57 VASP obligations, and 5-year record retention built in. Your RMCP controls are enforced and evidenced automatically.
Most compliance platforms handle either crypto or fiat. SNTNL monitors both in the same engine, catching cross-asset patterns that siloed systems miss entirely.
Every risk score is explainable. Compliance officers see exactly which rules fired, what behavioral pattern triggered the flag, and the full evidence chain. No opaque scoring. Regulators can audit every decision and every control in your RMCP.
Beyond transaction data, SNTNL enriches customer profiles with adverse media scanning, PEP detection, and sanctions screening using LLM-powered open source intelligence analysis.
Engineered in South Africa. Built for the regulations we live under.
See SNTNL in Action
Request a demo and discover how SNTNL transforms your compliance operations.