💜 MiCA · FinCEN · FATF · AMLD6 Compliant

Generate AML & KYC Policies for Your Fintech in Minutes

Complete Anti-Money Laundering and Know Your Customer compliance documentation for fintech startups, crypto exchanges, and payment processors. Stop paying $20,000+ to compliance consultants.

300+ fintech companies already on the waitlist · No credit card required

MiCA Compliant FATF Travel Rule FinCEN & BSA AMLD6 Ready Powered by GenAI Labs
Overview

What Is the AML/KYC Policy Generator?

The AML/KYC Policy Generator is an AI-powered compliance platform that automates the creation of complete Anti-Money Laundering (AML) and Know Your Customer (KYC) policy documentation for fintech companies, cryptocurrency exchanges, payment processors, and digital asset service providers.

AML compliance documentation is a legal requirement to obtain and maintain regulatory licenses, banking partnerships, and payment processing relationships. Without it, your business cannot legally operate in most jurisdictions. Compliance consultants charge $20,000–$80,000 to build these programs from scratch. Our generator produces the same documentation in under an hour — tailored to your jurisdiction, business model, and risk profile.

Whether you're applying for an EU CASP license under MiCA, registering as a Money Services Business with FinCEN, or obtaining an FCA e-money license in the UK — our generator produces documentation that satisfies regulatory reviewers and compliance auditors.

Features

Complete AML/KYC Documentation — Automatically Generated

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AML/CFT Program Policy

Comprehensive AML/CFT (Counter-Financing of Terrorism) program document covering your risk-based approach, governance structure, internal controls, and compliance officer responsibilities.

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KYC & Customer Due Diligence

Full CDD procedures: identity verification requirements, document collection standards, politically exposed persons (PEP) screening, adverse media checks, and customer risk scoring methodology.

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Enhanced Due Diligence (EDD)

EDD procedures for high-risk customers, including corporate structures, trusts, high-value transactions, and customers from high-risk jurisdictions — per FATF Recommendation 19.

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Suspicious Activity Reporting

SAR/STR (Suspicious Transaction Report) procedures: red flag indicators, internal reporting escalation, filing requirements for FinCEN, FCA, and EU FIUs, and record retention requirements.

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Transaction Monitoring Policy

Rule-based and behavioural transaction monitoring procedures, threshold definitions, alert review workflows, and case management documentation per FATF Recommendation 10.

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Travel Rule Compliance

FATF Recommendation 16 Travel Rule implementation procedures for virtual asset transfers — required for all CASPs under MiCA and most jurisdictions above $1,000/$3,000 thresholds.

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Sanctions Screening Policy

OFAC, EU, UN, and HMRC sanctions screening procedures covering real-time screening, false positive handling, escalation, and licence application procedures.

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AML Training Program

Annual AML training requirements, new joiner onboarding checklist, role-specific training records template, and compliance officer competency framework.

Comparison

AML Policy Generator vs Compliance Consultants

FactorAML Consultant / Law FirmAML/KYC Policy Generator
Cost to build full program$20,000 – $80,000$299/month
Time to deliver policies6–12 weeksUnder 1 hour
MiCA (crypto) coverageYes (extra cost)Included
Multi-jurisdiction supportBilled per jurisdictionAll major jurisdictions
Regulatory update alertsNot includedAutomatic
Annual policy reviewNew engagementIncluded
Pricing

Compliance Documentation Without the Consultant Bill

Free
Assess your AML obligations
  • AML obligation assessment
  • Jurisdiction requirements guide
  • Sample KYC procedure
  • Email support
FAQ

Frequently Asked Questions

What AML policies does a fintech company need?
At minimum: an AML/CFT Program Policy, KYC/CDD Procedures, Enhanced Due Diligence Policy, Suspicious Activity Reporting Procedures, Transaction Monitoring Policy, Sanctions Screening Policy, Record Retention Policy, and AML Training Program. EU companies under AMLD6 and MiCA need additional documentation specific to those frameworks.
What is MiCA and who does it apply to?
MiCA (Markets in Crypto-Assets Regulation) is the EU's comprehensive crypto regulatory framework, in force from December 2024. All crypto-asset service providers (CASPs) operating in the EU must be authorised, maintain AML/KYC policies, implement transaction monitoring, and comply with travel rule requirements. Our generator covers all MiCA-required documentation.
How much do AML compliance consultants charge?
AML compliance consultants typically charge $15,000–$50,000 to build a complete AML program for a fintech startup, with hourly rates of $200–$500. For crypto companies requiring MiCA compliance, expect $20,000–$80,000. Our generator produces the complete policy documentation for $299/month.
What happens if my fintech doesn't have AML policies?
Consequences are severe: fines can reach tens of millions (Binance was fined $4.3B in 2023). Operating without AML policies is grounds for license revocation, banking partner termination, and personal criminal liability for executives. Payment processors and banking partners require documented AML compliance before they will work with you.
What are FATF recommendations?
FATF (Financial Action Task Force) recommendations are the global AML/CFT standards adopted by 200+ jurisdictions. If you operate as a VASP, payment institution, or any regulated financial service in a FATF member country, you must implement a risk-based AML program aligned with FATF's 40 Recommendations, including the Travel Rule (Recommendation 16) for crypto transactions.

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