Transaction Monitoring Software
Transaction monitoring that closes cases, not just counts alerts
Zyphe monitors transactions in real time, flags suspicious patterns across every money-laundering stage, surfaces typologies, and drafts SAR/STR-ready narratives inside your existing stack, with a per-decision audit trail your MLRO can defend.
What is transaction monitoring?
Transaction monitoring is the automated review of customer transactions against rules and risk models to identify activity that may indicate money laundering, generating alerts for investigation. Zyphe evaluates every payment synchronously against your rules and returns Allow, Review or Block, with the rules that fired attached, before funds move.
Each rule that fires contributes a probability; those combine into one P(risk) using a noisy-OR and are compared with your review and block thresholds. Rules can use transaction, list, identity and velocity fields, are versioned, and can be backtested against your stored transactions for free before they go live. Agent triage of transaction-monitoring alerts is planned and not yet shipped.
Trusted by those who trust no one.
4.9/5 from 9 customer reviews
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“Zyphe has completely transformed how we handle KYC data, allowing us to seamlessly share identity information with other financial participants while ensuring that users retain full control over their personal data.”
Milo Guastamacchia · 5/5 Yooro CEO and Co-Founder -
“Zyphe has made a big difference in how we approach attendee verification and data security. With decentralized storage for greater privacy, AI-driven identity verification for global check-ins, and audit-ready KYC, we have managed to reduce how much PII we need to handle while having a better user experience. It is easier for us to comply with regulations like GDPR and CCPA.”
Kelvin Rolf · 5/5 Twotixx CEO and Co-Founder -
“As a non-custodial wallet, we require every user to complete KYC while also integrating with multiple regulated partners, each with their own compliance requirements. Zyphe gave us a centralized way to collect and manage user identity data while securely sharing it with our partners, significantly reducing friction throughout the onboarding journey.”
Gonzalo del Cerro · 5/5 Vesseo Head of Product -
“The KYB feature stands out with a good UI and a lot of information like UBO and financials. I also appreciate that their compliance features offset efforts from my compliance team, which is very helpful.”
Sam M. · 5/5 Executive, small business -
“I like the ease of use and the security that Zyphe provides. It has a clean user interface on both the admin and user side. The integrated one-click KYC feature makes the whole experience super fast. The initial setup was easy because they set up everything for me.”
Fausto D. · 5/5 Owner, mid-market business -
“The availability of the staff and the ease of integration.”
Alessandro R. · 5/5 CEO, small business -
“I use Zyphe's KYC service and agentic compliance service. My users can be verified in a seamless way, and we use their AI agents to support our compliance team. Zyphe was integrated in no time, just the time to open an account and install their SDK.”
Stefano D. · 5/5 CTO, small business -
“I think Zyphe is fantastic because of its user interface, which is really good when onboarding documentation. I also appreciate how it enables us to share KYC checks externally. And honestly, the support team is amazing.”
Ignacio P. · 4.5/5 Small business -
“I like that Zyphe provides an end-to-end solution for KYC, KYB, and AML case files, integrating seamlessly into our existing stack with documented audit trails for each decision. Additionally, I appreciate the excellent customer support that prompted us to switch from Onfido. The initial setup of Zyphe was super easy, which was a big plus.”
Gunja G. · 4.5/5 Senior Loan Processor, mid-market business
Transaction monitoring that adapts to real risk
Real-time detection, typology-aware rules and case management that cut false positives and get cases to SAR faster.
Real-time monitoring
Flag suspicious transactions in real time across placement, layering and integration so risk is caught as it happens.
Typology detection
Surface structuring, smurfing and other laundering typologies through pattern detection rather than single-transaction rules.
Risk-based rules
Configure thresholds and scenarios to your business and risk appetite, and tune them as typologies evolve.
SAR / STR drafting
Auto-generate SAR and CTR/STR-ready narratives and reporting to authorities to speed regulatory filing.
Case management
Disposition alerts with a clear workflow and full context, so analysts close cases instead of counting them.
Audit-ready trail
Every alert and decision is logged with a defensible, exportable audit trail for examiners and your MLRO.
Transaction monitoring in your existing stack
Connect your transaction data, configure scenarios, and let Zyphe surface the activity that matters.
Stream transactions in via webhooks and APIs and configure monitoring scenarios and thresholds to your risk appetite.
Transactions are screened in real time, with typology-aware detection surfacing suspicious patterns across laundering stages.
Analysts review prioritized alerts with full context and generate SAR/STR-ready narratives, all on an audit-ready trail.
Monitor without becoming a honeypot
We're using blockchain-like technology to decentralize the storage of personal data, so you meet monitoring obligations without building a central store of customer PII.
Where data is stored, what is retained, and the audit status: the security and trust pageBetter compliance in 190+ Countries
Banking Secrecy Act
Enforces strict record-keeping and reporting requirements for financial institutions to prevent money laundering and financial crimes in the United States.
Anti-money Laundering Act
Establishes measures and responsibilities for financial intermediaries in Switzerland to prevent money laundering and terrorist financing.
Proceeds of Crime
Canadian regulation requiring financial institutions to detect, prevent, and report suspicious transactions related to criminal proceeds.
Terrorist Financing Act
Legislation enforcing measures in Canada to detect, prevent, and report financial activities linked to terrorist financing.
Anti-money Laundering
Australian regulation mandating financial entities implement robust compliance measures to detect, prevent, and report money laundering activities.
Counter-Terrorism Financing Act
Australian law ensuring financial institutions identify, monitor, and report activities related to financing of terrorism to maintain national and global security.
Integrate in as little as 15 minutes
curl -X POST https://verify.zyphe.com/v1/login_sessions \
-H 'Authorization: Bearer <API_KEY>' \
-H 'Content-Type: application/json' \
-d '{"auth_type": "email"}'
Frequent Questions
Transaction monitoring software analyzes customer transactions to detect suspicious activity that may indicate money laundering or other financial crime, generating alerts for investigation and suspicious activity reports where needed. Zyphe monitors in real time across every money-laundering stage.
Zyphe monitors transactions in real time, so suspicious activity is flagged as it happens rather than in a periodic batch, giving your team the chance to act before funds move.
Zyphe uses risk-based, typology-aware rules and pattern detection rather than blunt single-transaction thresholds, so analysts review genuinely suspicious activity instead of a flood of false alerts.
Zyphe runs monitoring on a privacy-first architecture that decentralizes identity storage, so you meet AML obligations without building a central honeypot of customer PII, unlike traditional providers that retain all data centrally.
AML & Sanctions Readiness Score
Evaluate sanctions screening, PEP coverage, transaction monitoring and SAR-readiness across your AML programme.Explore more Zyphe products
Anti-Money Laundering
Screening and monitoring built for regulators
Sanctions, PEP, watchlist and adverse media screening with a banded score and the number of contributing sources, alongside a deterministic transaction monitoring engine that returns Allow, Review or Block.
Learn more →Sanctions screening
that catches matches, not just names
Sanctions and AML watchlist screening software: real-time checks on customers and payment counterparties against 100K+ global lists, an AML screening API, daily re-screening, and no central PII honeypot.
Learn more →KYC and AML
in one privacy-first platform
One platform for KYC and AML: identity verification, sanctions, PEP and adverse-media screening, and transaction monitoring, on a privacy-first architecture with no central PII honeypot.
Learn more →