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:
- Tasks and owners across the program
- OFAC, EU, and UN sanctions screening on wallets, customers, and counterparties
- Audit binder exports for regulator, bank, investor, or partner review
- License renewal, surety bond, control-person, and Call Report tracking across every state
- SAR / CTR / Travel Rule / MIL filing readiness
- Evidence retention with the 5-year BSA contract built in
- AML officer attestations and independent reviews
- 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
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 customer screening on the OFAC SDN, EU Consolidated, and UN Consolidated lists.
MSB State Licensing
Per-state money-transmitter license registry, surety bond and control-person tracking, NMLS Call Reports with quarter-end due dates, and NYDFS Part 500 / 504 awareness.
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.
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