Collect
Legal-entity identifiers, directors, UBOs, document metadata, purpose and provider requirements
Normalize evidence.
Keep accountability explicit.
Karvo coordinates KYB, KYC, UBO, screening, institutional policy, approvals and case evidence while recording which regulated participant owns each requirement and decision.
Control sequence / 01
Compliance is multidimensional—not a single verified flag.
Screen
AML, sanctions and PEP results with jurisdiction, source, rule version, status and expiry
Assess
Transaction monitoring, fraud signals, velocity limits, corridor rules and institutional policy
Approve
Maker-checker, creator separation, thresholds and additional review for higher-risk conditions
Evidence
Preserve responsible party, decision, references, timestamps, changes and case resolution
Institutional approvals / 02
Four-eyes control is configurable and enforceable.
Approval policies bind to the transaction before authorization and can evaluate amount, corridor, currency, beneficiary, user role, institution, risk, compliance state and payment type.
Creator separation
A maker cannot approve the transfer they created when policy requires separation.
Threshold approval
Higher-value payments can require multiple independent checker decisions.
Compliance review
A beneficiary, corridor or risk signal can place the transfer into an explicit review state.
Versioned policy
Every decision retains the policy version, actor, reason, time and evidence used.
Responsibility model / 03
Shared flow does not mean blurred accountability.
Participating institution
- Customer relationship and due diligence required by its role
- Institution-specific policy, monitoring and approval authority
- Regulatory decisions and reporting where legally assigned
- Custody and safeguarding responsibilities under its agreements
Karvo orchestration
- Collect and normalize canonical evidence and requirements
- Run Karvo controls and coordinate configured screening integrations
- Enforce transaction policy, permissions and approval state
- Preserve an auditable record of every outcome and responsible party
Provider / settlement rail
- Perform controls attached to its regulated or contracted function
- Return authenticated acceptance, rejection and restriction outcomes
- Provide execution, settlement and finality evidence
- Support investigation and reconciliation obligations
Work with Karvo
Define a corridor control model
Tell us where your institution sits in the transaction chain and which corridor or capability you are evaluating.
Start a conversation