Solution
For MSBs and Web3 companies
Be ready for your next bank, investor, or regulator review without the compliance scramble. One platform that keeps federal AML, state money-transmitter licensing, sanctions screening, and on-chain treasury monitoring continuously audit-ready, with every alert worked to a documented disposition along the way.
What changes for you
Compliance stops being the thing that blocks the next round or the next state
Move into new states, add wallets, and take on new counterparties without wondering what you just signed up for. BizNerva keeps the AML program, licensing, and screening in front of you.
Be ready for your next review
Walk into a bank, investor, partner, or regulator review with your AML program, filings, licenses, and evidence already assembled into an audit binder.
Stay ahead of every filing and renewal
SAR, CTR, Travel Rule, and MIL readiness alongside NMLS Call Reports, license renewals, surety bonds, and control-person changes, all with the deadlines in front of you.
Screen against every list, automatically
OFAC, EU, and UN sanctions screening on customers, wallets, and counterparties, with the lists kept current so screening keeps pace as they change.
See on-chain money on your books
Wallet activity across 9 chains syncs into USD-valued treasury movements that map cleanly to your AML controls and your accounting.
Clear the alert queue without adding headcount
Every alert gets an owner, an investigation record, and a documented disposition. The AI investigation assistant assembles the case file and drafts the written assessment with citations. Your team decides.
The problem
Regulated finance is not a spreadsheet problem
Regulated finance teams often outgrow spreadsheets before they are ready to hire a full compliance department. BizNerva gives founders, operators, AML officers, and fractional compliance leaders one place to manage recurring obligations, evidence, filings, licenses, attestations, and audit readiness.
- BSA / AML programs span SAR filings, CTRs, Travel Rule, monetary instrument logs, and a 5-year retention contract you cannot afford to drop.
- State money-transmitter licensing means tracking surety bonds, control-person changes, NMLS Call Reports, and license renewals across every state you operate in.
- OFAC, EU, and UN sanctions screening is non-negotiable on customer onboarding and ongoing transactions, and these lists update without warning.
- Web3 treasury operations sit at the regulated edge, and on-chain activity has to map cleanly to your books and your AML controls.
Why BizNerva
More than AML screening
Screening is only one part of the compliance program. BizNerva operates the broader program around it:
- Transaction-monitoring alert queue with owners, investigation records, and documented dispositions
- AI investigation assistant that assembles the case file and drafts an assessment with citations, while your team decides
- Deterministic rule pass: structuring, velocity, threshold breach, high-risk jurisdiction, and Travel Rule gaps
- Inbound blockchain-analytics alerts from Chainalysis, TRM Labs, and Elliptic
- OFAC, EU, and UN sanctions screening on wallets, customers, and counterparties, rescreened as the lists change
- SAR / CTR / Travel Rule / MIL filing readiness, with an escalated alert pre-filling a draft SAR
- NYDFS Part 504 transaction-monitoring & filtering program record and the April 15 certification
- AML risk assessment, officer attestations, and independent reviews
- License renewal, surety bond, control-person, and Call Report tracking across every state
- Authorized delegate registry under 31 CFR 1022.380(d), with the annual Jan-1 refresh cycle
- Web3 wallet sync across 9 chains, USD-valued treasury movements, and on-chain transaction records
- Audit binder exports with the 5-year BSA retention contract built in (31 CFR 1010.430)
Modules
What is included
Modules activate based on your MSB categories and states. You only configure what applies to your business.
MSB Federal AML
BSA program, SAR / CTR / Travel Rule / MIL filings with 5-year BSA retention, AML officer attestation log, independent review tracking, and authorized delegate registry under 31 CFR 1022.380(d).
Transaction Monitoring & Case Management
Import transactions by spreadsheet or API. A deterministic rule pass flags structuring, velocity, threshold breach, high-risk jurisdictions, and Travel Rule gaps, plus inbound alerts from Chainalysis, TRM Labs, and Elliptic. Every alert is queued, owned, investigated, and dispositioned with maker-checker separation of duties.
Customer Due Diligence & Screening
Fiat customer files with risk rating and periodic review, OFAC SDN / EU Consolidated / UN Consolidated screening on customers and counterparties, and rescreening when the lists change, not only at onboarding.
MSB State Licensing
Per-state money-transmitter license registry, surety bond and control-person tracking, NMLS Call Reports with quarter-end due dates, and the NYDFS Part 504 transaction-monitoring & filtering program record with its April 15 annual certification.
Web3 Treasury + Sanctions
Wallet sync across 9 blockchain networks via Etherscan V2. Treasury Movements with USD valuation via CoinGecko. OFAC, EU, and UN sanctions screening on wallets and counterparties.
AI investigation assistant
Clear the alert queue without adding headcount
For an alert under investigation, the assistant assembles the case file, pulls the customer record, prior alerts, and prior filings on the same subject, and drafts a written assessment with numbered citations back to the evidence it used. It states negative findings explicitly and prepares an information request when evidence is missing.
Your team stays in control
The assistant never advances an alert past investigating, never closes one, never files a report, and never contacts your customer. It prepares the work. Your team decides.
Audience
Who this is for
Best fit for
- Early and growth-stage MSBs (money transmitters, check cashers, money order issuers, currency exchangers)
- Payment fintechs expanding across states
- Crypto and digital-asset operators with treasury and counterparty risk
- Founders preparing for bank, investor, customer, or regulator review
- Fractional AML and compliance consultants managing multiple clients
Not ideal for
- Banks needing a full enterprise GRC replacement
- Teams looking only for transaction monitoring
- Companies wanting legal advice instead of operational compliance workflows
Getting started
How it works
Tell us your MSB categories
Enter your activities (money transmission, check cashing, money order issuance, currency exchange, prepaid access, traveler check issuance). The Determination Engine activates the right modules.
Configure your program
Add states, wallets, AML officer, independent review cadence, and surety bond data. Upload existing policies and attestations to the Vault.
Operate and report
File SARs, run customer screening, monitor Web3 wallets, track Call Reports and license renewals, and export an audit binder when the regulator asks.
Platform
Built on the BizNerva platform
Task workflows, evidence tracking, role-based access, AI-assisted gap detection, and audit exports apply across AML tasks, state licenses, sanctions evidence, Web3 treasury records, independent reviews, and filing readiness. See the full platform layer.
- OFAC, EU, and UN sanctions screening live on Web3 wallets and MSB customer records
- Etherscan V2 sync across 9 blockchain networks
- Built-in 5-year BSA retention on filings (31 CFR 1010.430)
- Audit binder export covering MSB profile, delegates, filings, state licenses, and attestations
- Always-on FinCEN, CSBS, and NYDFS regulatory scanner with knowledge-base auto-merge
Questions fintech and MSB teams ask
Does BizNerva do transaction monitoring?
Yes. Import your transactions by spreadsheet or API, run rules for structuring, velocity, threshold breach, high-risk jurisdictions, and Travel Rule gaps, and work every alert to a documented disposition. You can also route inbound alerts from Chainalysis, TRM Labs, and Elliptic into the same queue.
What does the AI investigation assistant actually do?
It assembles the case file, pulls the customer record, prior alerts, and prior filings on the same subject, drafts a written assessment with numbered citations back to the evidence it used, states negative findings explicitly, and prepares an information request when evidence is missing. It never advances an alert past investigating, never closes one, never files, and never contacts your customer. Your team decides.
Which BSA / AML filings does BizNerva track?
SARs, CTRs, Travel Rule records, and monetary instrument logs, each with its retention clock so the 5-year requirement under 31 CFR 1010.430 is tracked rather than remembered. An escalated alert pre-fills a draft SAR with the 30-day clock.
Does it cover NYDFS Part 504?
Yes. If you hold a New York money-transmitter license you get the Part 504 transaction-monitoring and filtering program record plus the annual certification workflow tied to its April 15 deadline.
Does our customer data go into external AI models?
No. A single enforced egress gateway is the only code path permitted to reach an external AI model, and sensitive values are replaced with placeholders before anything leaves, then restored on the way back. Screening and rule evaluation are deterministic and never leave the platform.
How much work is it to get our data in?
A spreadsheet upload with a saved column mapping for transactions and customers, or a documented API endpoint your engineers can push to. Licenses, bonds, and existing filings are low volume and entered once.