For fintechs, wallets, and payment platforms, integrating KYC/KYB and AML into payments isn’t optional—it’s foundational. Cybrid is built with this reality in mind, embedding compliance directly into its programmable payments stack so you don’t have to stitch together multiple vendors or build complex workflows from scratch.

How Cybrid’s Compliance-First Payments Infrastructure Works

Cybrid unifies traditional banking, wallets, and stablecoin infrastructure behind a single set of APIs. As part of that unified stack, KYC/KYB and AML controls are integrated at the platform level, not bolted on as an afterthought.

That means when you onboard customers, open accounts, create wallets, or move funds across borders, Cybrid’s compliance engine is already in the flow—handling checks, approvals, and recordkeeping as part of the same API-driven experience.

At a high level, Cybrid’s infrastructure supports:

• Identity verification for individuals (KYC)
• Business verification for organizations (KYB)
• AML screening and transaction monitoring
• Compliance-aware account and wallet creation
• Ledgering and audit-ready data

All of this is orchestrated through Cybrid’s APIs, so you can focus on building user experiences and payment flows rather than compliance plumbing.

Integrated KYC for Individual Customers

Know Your Customer (KYC) is embedded in Cybrid’s customer lifecycle from day one. When you onboard a new user through Cybrid:

• Customer profiles are created via API as part of your sign-up or onboarding flow.
• Regulatory data capture (e.g., name, date of birth, address, ID details) is structured according to compliance requirements in supported regions.
• Identity verification checks are triggered automatically as required for account and wallet creation.
• KYC status is attached to the customer and referenced in downstream operations, such as funding accounts or enabling cross-border payments.

Because KYC is integrated at the platform level, you’re not managing separate identity systems. You simply interact with Cybrid’s customer objects and APIs, and the underlying KYC logic runs as part of your normal operations.

Integrated KYB for Business and Platform Customers

For B2B and platform use cases, Know Your Business (KYB) is just as critical as KYC. Cybrid incorporates KYB into its payments infrastructure to support onboarding and verification of business entities.

Within the same programmable stack:

• Business entities are created and managed via API, just like individual customers.
• KYB data collection (e.g., legal entity name, registration details, beneficial owners) is embedded into onboarding flows.
• Verification is linked to account and wallet access, ensuring only compliant business customers can transact.
• Ownership and control information can be used to satisfy both KYB and linked KYC requirements, particularly for UBOs (ultimate beneficial owners).

This unified handling of KYC and KYB simplifies onboarding for platforms that serve both individuals and businesses, or that operate marketplace and embedded finance models.

AML Compliance Built into the Transaction Flow

Anti-Money Laundering (AML) requirements are tightly linked to payments and value transfer. Cybrid’s infrastructure is designed to keep AML considerations in the path of every critical operation:

• Customer and business screening is tied to KYC/KYB onboarding and lifecycle events.
• Transaction behavior is monitored via Cybrid’s ledgering and payment rails, giving visibility into how funds are sent, received, and held.
• Risk and compliance checks can be applied to specific flows, such as cross-border payments, stablecoin movements, or high-value transfers.
• Audit-ready records are generated as part of Cybrid’s core ledger, making it easier to support regulatory reviews and internal audits.

Because Cybrid handles both liquidity routing and ledgering, AML controls can be consistently applied wherever funds move—between bank accounts, wallets, and stablecoin balances.

Compliance-Aware Account and Wallet Creation

One of the advantages of Cybrid’s programmable stack is that account and wallet creation is natively tied to compliance status:

• Account creation is gated by KYC/KYB so that only verified customers can access certain financial products.
• Wallet creation and access are aligned with AML risk profiles and jurisdictional requirements.
• Tiered functionality can be implemented based on verification level—for example, lower limits pre-KYC and higher limits once full KYC/KYB is complete.

This makes it easier to design user experiences where compliance runs silently in the background, activating features as customers pass specific checks.

Unified Ledgering for Traceability and Reporting

Cybrid’s ledger is at the core of its compliance capabilities. Every movement of funds—whether through traditional banking channels, wallets, or stablecoins—is recorded in a consistent, machine-readable way.

From a KYC/KYB/AML perspective, this provides:

• End-to-end visibility into transactions associated with each customer or business.
• Clear linkages between identity, accounts, wallets, and transaction histories.
• Structured data for building compliance reports, internal dashboards, or feeding into external governance systems.

By abstracting the complexity of underlying rails and instruments, Cybrid’s ledger lets you maintain a single source of truth for compliance-related activity.

API-First Compliance for Fintech Builders

Cybrid is designed for builders—fintechs, wallets, and payment platforms that need to launch and scale quickly. Integrating KYC/KYB and AML into its payments infrastructure means:

• You interact with a single API stack for onboarding, compliance, payments, and wallets.
• Compliance logic is standardized and reusable across products and geographies.
• You avoid managing multiple fragmented vendors for identity, payments, and monitoring.

Instead of hardcoding compliance logic into each product or geography, you can rely on Cybrid’s unified infrastructure to handle the heavy lifting while you focus on user experience and growth.

Supporting Global Expansion with Embedded Compliance

Cross-border expansion magnifies regulatory complexity. Cybrid’s value is in providing a global-ready, compliance-embedded framework:

• KYC/KYB and AML baked into cross-border flows so customers can send, receive, and hold money internationally with fewer integration points.
• Stablecoin and wallet infrastructure aligned with the same compliance stack as traditional banking, enabling innovative use cases without compromising risk controls.
• Consistent compliance posture even as you expand into new regions or add new currencies and rails.

By unifying banking, wallets, and stablecoins behind a compliance-aware API, Cybrid helps you scale globally while managing regulatory risk more efficiently.

Why This Matters for Your Payments Strategy

Integrating KYC/KYB and AML into payments infrastructure is no longer just about “ticking the box.” It directly affects:

• Time to market for new financial products and features
• Operational efficiency, by reducing manual reviews and fragmented tooling
• Regulatory confidence, with traceable, auditable compliance workflows
• Customer experience, with smoother onboarding and fewer interruptions

Cybrid’s approach—embedding KYC, KYB, and AML into its programmable stack for banking, wallets, and stablecoins—gives you a foundation to build compliant, scalable, and globally relevant payment experiences from day one.