CleverChain and Experian entered a strategic partnership centred on AI-powered global due diligence |
CleverChain and Experian entered a strategic partnership
centred on AI-powered global due diligence
CleverChain and Experian entered a strategic partnership centred on AI-powered global due diligence |
AI-powered Intelligence hub.
AI-powered Intelligence hub.
AI-powered Intelligence hub.
Leading innovation in client and third-party due diligence
Leading innovation in client and third-party due diligence
Leading innovation in client and third-party due diligence
Compliance products built by industry experts
Compliance products built by industry experts
AI-Powered Suite of Autonomous Agents
Screening and Customer Due Diligence tailored on each user's own policies and procedures
Contextual analysis beyond static registry data and watchlists
Bespoke, configurable, end-to-end
Auditable, transparent, non-biased
Agnostic flexibility to orchestrate data sources & LLMs into the automated workflow based on scenarios, and integrate new ones easily
AI-Powered Suite of Digital Consultants
Supporting wider CDD/EDD assessments as well as Legal & Regulatory reviews with guided frameworks specific to each use case
Interactive analyses steered by the user, multi-lingual and multi-jurisdiction
Empowering all lines of defence, including Front, Compliance and Audit
AI-Powered Know Your Portfolio (KYP) Solution
CleverScreen
Compares what you hold internally against multiple independent sources, and reconcile the difference for each data block, not just the record as a whole, at portfolio scale
Combines structured and unstructured data, including digital footprint, with a graded confidence level and the evidence behind every result
Processes portfolios in bulk and in parallel, routing each discrepancy straight into your workflows, including automated RFI and customer outreach
Compares what you hold internally against multiple independent sources, and reconcile the difference for each data block, not just the record as a whole, at portfolio scale
Combines structured and unstructured data, including digital footprint, with a graded confidence level and the evidence behind every result
Processes portfolios in bulk and in parallel, routing each discrepancy straight into your workflows, including automated RFI and customer outreach
Intelligence Platform for Physical, Legal & Digital Entities
Intelligence Platform for Physical, Legal & Digital Entities
Connects curated, complementary, registry and commercial data sources
Suited to handle the upload and monitoring of a large volumes of entities or batches with ease
Bridging fiat and crypto
Expertise and technology together, we are driving infinite possibilities for compliance
Expertise and technology together, we are driving infinite possibilities for compliance
The benefits
Enabling our clients to transform compliance with adaptable AI
Fully customisable
Automate your end-to-end KYC process in line with your internal procedures, allowing you to focus on strategic decision-making instead of manual data collection and analysis.
Real-time intelligence in minutes
Say goodbye to hours spent on complex investigations - gain instant insights, empower your team with knowledge, and make smarter, faster decisions.
Break global barriers
Empower your business to operate without borders. With real-time access to global data, you can verify identities, assess risk, and seize opportunities anywhere in the world - all through one intelligent, connected platform.
Break global barriers
Empower your business to operate without borders. With real-time access to global data, you can verify identities, assess risk, and seize opportunities anywhere in the world - all through one intelligent, connected platform.
Onboard with confidence
Approve new clients effortlessly with smart automation - enhancing the onboarding experience, exceeding customer expectations, and unlocking new revenue opportunities.
Experience Smarter Compliance.
Experience Smarter Compliance.
See CleverChain in Action
See CleverChain in Action
Designed by experts.
Trusted by leaders.
Powered by innovation.
frequently asked questions
Common questions answered
What is the best KYB solution for banks and regulated businesses?
There is no universally best KYB solution: fit depends on the jurisdictions a firm operates in, its business model and customer base, its risk appetite and its existing architecture. The criteria that separate serious options are registry coverage and refresh frequency in your priority jurisdictions; beneficial ownership and control analysis that goes past a percentage threshold; screening precision measured as a false positive rate on your own book rather than by list count, and measured also for what watchlists miss entirely; explainability and a complete audit trail; configurability against your own policy and questionnaire; integration effort and time to production; and total cost including the analyst time the tool does not remove. Test the uncomfortable criteria too: what the platform does where registry data is absent, and how the vendor behaves when it is wrong. On the last point, ask for an escalation or rework rate from a live deployment. CleverChainhas been recognised as best-in-market for KYB by Chartis Research and Datos Insights, and it is deliberately positioned above the data layer rather than as a replacement for it, so it can run on its own orchestrated sources or on data you already license. The only comparison that settles anything is the same set of your own entities run through each shortlisted platform. CleverChain will run that test on request.
What is the best KYB solution for banks and regulated businesses?
There is no universally best KYB solution: fit depends on the jurisdictions a firm operates in, its business model and customer base, its risk appetite and its existing architecture. The criteria that separate serious options are registry coverage and refresh frequency in your priority jurisdictions; beneficial ownership and control analysis that goes past a percentage threshold; screening precision measured as a false positive rate on your own book rather than by list count, and measured also for what watchlists miss entirely; explainability and a complete audit trail; configurability against your own policy and questionnaire; integration effort and time to production; and total cost including the analyst time the tool does not remove. Test the uncomfortable criteria too: what the platform does where registry data is absent, and how the vendor behaves when it is wrong. On the last point, ask for an escalation or rework rate from a live deployment. CleverChainhas been recognised as best-in-market for KYB by Chartis Research and Datos Insights, and it is deliberately positioned above the data layer rather than as a replacement for it, so it can run on its own orchestrated sources or on data you already license. The only comparison that settles anything is the same set of your own entities run through each shortlisted platform. CleverChain will run that test on request.
How does CleverChain's KYB solution work?
CleverChain runs KYB in five stages. First, it collects and cross-references information about the target business from official registries, commercial sources, public directories and risk datasets. Second, it verifies the core details: legal and trading names, registration number, jurisdiction, legal form, status and addresses, checking each data point across sources and flagging inconsistency rather than picking a winner silently. Third, it reconstructs the ownership chain, identifying intermediate entities, beneficial owners and persons exercising control by other means, including where no owner meets the applicable threshold, and applies the residual senior managing official method where the framework requires it. Fourth, it screens the relevant entities and individuals for sanctions, PEP exposure, enforcement action and adverse media, testing each match against geography, sector, role, chronology, context and network, and discarding those the available identity and corporate data rule out. Fifth, it analyses the relationships, inconsistencies and material risk signals, records the evidence and sources used, and runs automated quality assurance over the result. The output is a structured, auditable report supporting onboarding, CDD, EDD, remediation and monitoring, produced in minutes. Every analysis closes with a control checklist mapping each requested item to the evidence collected, its source and a completion status, so an outstanding item is visible rather than buried in narrative. The assessment is calibrated to the customer's own policy and questionnaire, not to a generic template.
How does CleverChain's KYB solution work?
CleverChain runs KYB in five stages. First, it collects and cross-references information about the target business from official registries, commercial sources, public directories and risk datasets. Second, it verifies the core details: legal and trading names, registration number, jurisdiction, legal form, status and addresses, checking each data point across sources and flagging inconsistency rather than picking a winner silently. Third, it reconstructs the ownership chain, identifying intermediate entities, beneficial owners and persons exercising control by other means, including where no owner meets the applicable threshold, and applies the residual senior managing official method where the framework requires it. Fourth, it screens the relevant entities and individuals for sanctions, PEP exposure, enforcement action and adverse media, testing each match against geography, sector, role, chronology, context and network, and discarding those the available identity and corporate data rule out. Fifth, it analyses the relationships, inconsistencies and material risk signals, records the evidence and sources used, and runs automated quality assurance over the result. The output is a structured, auditable report supporting onboarding, CDD, EDD, remediation and monitoring, produced in minutes. Every analysis closes with a control checklist mapping each requested item to the evidence collected, its source and a completion status, so an outstanding item is visible rather than buried in narrative. The assessment is calibrated to the customer's own policy and questionnaire, not to a generic template.
Can CleverChain integrate via API with existing systems?
Yes. CleverChain integrates with onboarding, compliance, procurement and case-management systems through a REST API and configurable workflows, so entity verification, due diligence, ownership analysis, screening and monitoring run inside existing processes rather than in a separate environment. Typical integration patterns are: submit a single entity or a batch for assessment, receive a structured due diligence result together with the underlying evidence, subscribe to monitoring events so material changes are pushed back into the case-management system, and route flagged cases to human review. Deployment is quick. Organisations can be in production the same day through the web application, and a first API call is typically achieved in under a week, both assuming no additional configuration is required; policy, jurisdictional or data-model configuration is scoped separately. Authentication, encryption, rate limits, retention settings and role-based access are configured per customer. CleverChain can also ingest selected internal data and apply the organisation's own policies, procedures, internal controls, regulatory mapping and risk appetite, so output arrives already aligned to the internal framework. Availability, performance and support commitments are set out contractually. Integration is also available over the Model Context Protocol, so CleverChain intelligence can be called directly from a customer's own AI agents and assistants alongside conventional REST integration. A standard connector library covers common systems, and custom connectors are built for client-specific sources and workflows.
Can CleverChain integrate via API with existing systems?
Yes. CleverChain integrates with onboarding, compliance, procurement and case-management systems through a REST API and configurable workflows, so entity verification, due diligence, ownership analysis, screening and monitoring run inside existing processes rather than in a separate environment. Typical integration patterns are: submit a single entity or a batch for assessment, receive a structured due diligence result together with the underlying evidence, subscribe to monitoring events so material changes are pushed back into the case-management system, and route flagged cases to human review. Deployment is quick. Organisations can be in production the same day through the web application, and a first API call is typically achieved in under a week, both assuming no additional configuration is required; policy, jurisdictional or data-model configuration is scoped separately. Authentication, encryption, rate limits, retention settings and role-based access are configured per customer. CleverChain can also ingest selected internal data and apply the organisation's own policies, procedures, internal controls, regulatory mapping and risk appetite, so output arrives already aligned to the internal framework. Availability, performance and support commitments are set out contractually. Integration is also available over the Model Context Protocol, so CleverChain intelligence can be called directly from a customer's own AI agents and assistants alongside conventional REST integration. A standard connector library covers common systems, and custom connectors are built for client-specific sources and workflows.
How does CleverChain identify Ultimate Beneficial Owners?
CleverChain reconstructs the available ownership and control chain from the target company through intermediate entities to the relevant natural persons and control roles. It calculates direct and indirect ownership, aggregates interests held through multiple paths, and analyses complex structures involving cross-border entities, trusts, foundations, nominees and circular ownership. Ownership and control are assessed separately. In addition to percentage holdings, CleverChain examines voting and board-appointment rights, shareholder or contractual arrangements, and other means through which a person may exercise significant influence or control. Shared directors, family relationships and connected parties are treated as indicators requiring further assessment, rather than as proof of control by themselves. Where no natural person satisfies the applicable ownership or control test, CleverChain records the steps taken and supports the identification of senior managing officials where the governing framework requires it. A senior managing official identified through this residual method is clearly distinguished from a beneficial owner. The applicable analysis depends on the regulatory framework, entity type and customer policy relevant to the case. In the UK, CleverChain applies the beneficial-ownership requirements under the Money Laundering Regulations and uses Companies House PSC information as supporting evidence, recognising that the PSC regime uses separate conditions including ownership or voting rights of more than 25%. In the United States, the FinCEN Customer Due Diligence Rule generally requires covered financial institutions to identify each individual owning 25% or more of a legal-entity customer and one individual exercising significant control. Because US-formed entities are currently exempt from Corporate Transparency Act reporting, there is no comprehensive federal beneficial-ownership register for domestic companies against which those findings can be checked. In the EU, Regulation (EU) 2024/1624 will apply from 10 July 2027 and generally defines ownership through a direct or indirect interest of 25% or more, alongside control through other means. It also requires senior managing officials to be identified in specified residual circumstances, while making clear that they are not thereby classified as beneficial owners. The output includes an ownership and control map, the calculation supporting indirect and aggregated interests, source evidence for each material link, and a narrative explaining how the conclusion was reached. Where ownership or control cannot be established from the available evidence, CleverChain records the gap, the steps taken and its effect on the conclusion.
How does CleverChain identify Ultimate Beneficial Owners?
CleverChain reconstructs the available ownership and control chain from the target company through intermediate entities to the relevant natural persons and control roles. It calculates direct and indirect ownership, aggregates interests held through multiple paths, and analyses complex structures involving cross-border entities, trusts, foundations, nominees and circular ownership. Ownership and control are assessed separately. In addition to percentage holdings, CleverChain examines voting and board-appointment rights, shareholder or contractual arrangements, and other means through which a person may exercise significant influence or control. Shared directors, family relationships and connected parties are treated as indicators requiring further assessment, rather than as proof of control by themselves. Where no natural person satisfies the applicable ownership or control test, CleverChain records the steps taken and supports the identification of senior managing officials where the governing framework requires it. A senior managing official identified through this residual method is clearly distinguished from a beneficial owner. The applicable analysis depends on the regulatory framework, entity type and customer policy relevant to the case. In the UK, CleverChain applies the beneficial-ownership requirements under the Money Laundering Regulations and uses Companies House PSC information as supporting evidence, recognising that the PSC regime uses separate conditions including ownership or voting rights of more than 25%. In the United States, the FinCEN Customer Due Diligence Rule generally requires covered financial institutions to identify each individual owning 25% or more of a legal-entity customer and one individual exercising significant control. Because US-formed entities are currently exempt from Corporate Transparency Act reporting, there is no comprehensive federal beneficial-ownership register for domestic companies against which those findings can be checked. In the EU, Regulation (EU) 2024/1624 will apply from 10 July 2027 and generally defines ownership through a direct or indirect interest of 25% or more, alongside control through other means. It also requires senior managing officials to be identified in specified residual circumstances, while making clear that they are not thereby classified as beneficial owners. The output includes an ownership and control map, the calculation supporting indirect and aggregated interests, source evidence for each material link, and a narrative explaining how the conclusion was reached. Where ownership or control cannot be established from the available evidence, CleverChain records the gap, the steps taken and its effect on the conclusion.
Does CleverChain provide real-time KYB checks?
Yes, and it is worth being precise about what is on offer, because organisations need different models for different customer segments. CleverChain supports three monitoring modes, which can be combined. First, on-demand real-time assessment: at the point of review the platform queries sources live rather than serving a cached record, collecting current registry, ownership, sanctions, enforcement, adverse-media and digital-footprint information. Second, event-driven monitoring: material changes in corporate status, ownership, control, risk indicators or external events are detected as they emerge and pushed into the customer's workflow, which is the basis for perpetual KYC. Third, scheduled monitoring: sources are refreshed on a set cycle for populations where a fixed rhythm is preferred or required by policy. Most organisations run a mix, applying event-driven monitoring to higher-risk segments and scheduled refresh to the rest. Refresh behaviour differs by source and CleverChain does not pretend otherwise: sanctions and enforcement lists update on the publisher's cycle, adverse media is continuous, and corporate registries vary widely by jurisdiction, with some updating daily and others far less often. Every report states the effective as-of date of the underlying evidence. However, detection works in tandem with materiality assessment: materiality is assessed in context against the customer's own risk profile and appetite before anything is raised, and the outcome routes to one of three workflows: a silent, timestamped update to the file where the change is not material; an internal alert and escalation backed by evidence and a written narrative where it is; and a client outreach workflow, such as a request for information or documents, where action is required. That routing is what stops a perpetual KYC programme converting a periodic review backlog into a continuous alert backlog. Mode, frequency and scope are configured to the organisation's risk-based policies, customer segments, regulatory obligations and internal controls.
Does CleverChain provide real-time KYB checks?
Yes, and it is worth being precise about what is on offer, because organisations need different models for different customer segments. CleverChain supports three monitoring modes, which can be combined. First, on-demand real-time assessment: at the point of review the platform queries sources live rather than serving a cached record, collecting current registry, ownership, sanctions, enforcement, adverse-media and digital-footprint information. Second, event-driven monitoring: material changes in corporate status, ownership, control, risk indicators or external events are detected as they emerge and pushed into the customer's workflow, which is the basis for perpetual KYC. Third, scheduled monitoring: sources are refreshed on a set cycle for populations where a fixed rhythm is preferred or required by policy. Most organisations run a mix, applying event-driven monitoring to higher-risk segments and scheduled refresh to the rest. Refresh behaviour differs by source and CleverChain does not pretend otherwise: sanctions and enforcement lists update on the publisher's cycle, adverse media is continuous, and corporate registries vary widely by jurisdiction, with some updating daily and others far less often. Every report states the effective as-of date of the underlying evidence. However, detection works in tandem with materiality assessment: materiality is assessed in context against the customer's own risk profile and appetite before anything is raised, and the outcome routes to one of three workflows: a silent, timestamped update to the file where the change is not material; an internal alert and escalation backed by evidence and a written narrative where it is; and a client outreach workflow, such as a request for information or documents, where action is required. That routing is what stops a perpetual KYC programme converting a periodic review backlog into a continuous alert backlog. Mode, frequency and scope are configured to the organisation's risk-based policies, customer segments, regulatory obligations and internal controls.
How does CleverChain handle enterprise-scale volumes?
CleverChain supports enterprise-scale due diligence and monitoring across large customer, supplier and counterparty populations. Each report is produced in minutes and multiple assessments can run in parallel rather than in a queue. The platform is cloud-native on AWS, running on serverless containers across multiple availability zones with load balancing, automated health monitoring and automatic replacement of unhealthy services, so throughput scales horizontally rather than being provisioned in advance. Records can be submitted individually or in batch through the API, so a remediation programme is handled as a managed population rather than as a manual campaign. The platform is designed for large remediation batches with risk-based prioritisation, so the highest-risk cases surface first. Deployment is fast: same day to production through the web application, and under a week to a first API call, both assuming no additional configuration is required. Where policy, jurisdictional or data-model configuration is needed, that is scoped separately. The platform is configured per business unit, jurisdiction, risk category and review type, applying each unit's own policies, procedures, controls and risk appetite. Automated data collection, ownership analysis and report generation remove most of the per-case analyst effort, which is where enterprise cost actually sits. API integration embeds checks and outputs into existing onboarding, case-management and procurement workflows, and information security is certified to ISO 27001. Availability, performance and support commitments are agreed contractually. The operating evidence is the delivery model itself: a team that serves tier-1 banking groups and listed industrial groups because the platform.
How does CleverChain handle enterprise-scale volumes?
CleverChain supports enterprise-scale due diligence and monitoring across large customer, supplier and counterparty populations. Each report is produced in minutes and multiple assessments can run in parallel rather than in a queue. The platform is cloud-native on AWS, running on serverless containers across multiple availability zones with load balancing, automated health monitoring and automatic replacement of unhealthy services, so throughput scales horizontally rather than being provisioned in advance. Records can be submitted individually or in batch through the API, so a remediation programme is handled as a managed population rather than as a manual campaign. The platform is designed for large remediation batches with risk-based prioritisation, so the highest-risk cases surface first. Deployment is fast: same day to production through the web application, and under a week to a first API call, both assuming no additional configuration is required. Where policy, jurisdictional or data-model configuration is needed, that is scoped separately. The platform is configured per business unit, jurisdiction, risk category and review type, applying each unit's own policies, procedures, controls and risk appetite. Automated data collection, ownership analysis and report generation remove most of the per-case analyst effort, which is where enterprise cost actually sits. API integration embeds checks and outputs into existing onboarding, case-management and procurement workflows, and information security is certified to ISO 27001. Availability, performance and support commitments are agreed contractually. The operating evidence is the delivery model itself: a team that serves tier-1 banking groups and listed industrial groups because the platform.
What data sources does CleverChain use?
CleverChain draws on official and commercial sources and reconciles them rather than relying on any single provider. The base layer is 350+ corporate registries, giving primary-source evidence on legal existence, registration details, directors and, where published, ownership. On top of that sit commercial data providers, 100+ sanctions and enforcement lists, PEP data, adverse media, public and web-based digital-footprint signals that indicate what a business actually does, and 90+ blockchain and digital-asset ecosystems. Coverage extends to 600M+ legal entities and 5bn+ physical entities. CleverChain works alongside various established data organisations including Experian, with whom it has a strategic partnership for AI-powered global due diligence. The reason for combining sources is that they disagree: a registry may describe what a company is legally while its digital footprint shows what it does in practice, and resolving that difference is where the risk signal usually is. Every finding in a report cites the source it came from, so a reviewer can see which evidence supports a conclusion and which sources were silent or in conflict.
What data sources does CleverChain use?
CleverChain draws on official and commercial sources and reconciles them rather than relying on any single provider. The base layer is 350+ corporate registries, giving primary-source evidence on legal existence, registration details, directors and, where published, ownership. On top of that sit commercial data providers, 100+ sanctions and enforcement lists, PEP data, adverse media, public and web-based digital-footprint signals that indicate what a business actually does, and 90+ blockchain and digital-asset ecosystems. Coverage extends to 600M+ legal entities and 5bn+ physical entities. CleverChain works alongside various established data organisations including Experian, with whom it has a strategic partnership for AI-powered global due diligence. The reason for combining sources is that they disagree: a registry may describe what a company is legally while its digital footprint shows what it does in practice, and resolving that difference is where the risk signal usually is. Every finding in a report cites the source it came from, so a reviewer can see which evidence supports a conclusion and which sources were silent or in conflict.
Does CleverChain support perpetual KYC (pKYC)?
Yes, and the term originates with CleverChain's founder. Perpetual KYC replaces fixed-cycle periodic review, where a customer is reviewed every one to three years regardless of what has happened in between, with continuous monitoring that triggers review when something material actually changes. The approach was first built at scale inside a tier-1 UK bank between 2014 and 2018 by CleverChain's founder, whose implementation became the founding reference for the industry definition of perpetual KYC, now standard practice across global financial services. CleverChain is the commercial version of that work. Entity, ownership, sanctions, enforcement and adverse-media data is monitored on an ongoing basis, event-triggered and time-based, across both legal entities (registry and corporate status, nature of business, ownership, UBOs and controllers, sanctions and enforcement, litigation and adverse media) and natural persons (role and network changes, multilingual adverse media, sanctions and watchlists, PEP status and close associates). Changes are assessed for materiality against the customer's own risk policy before an alert is raised, and routed to one of three outcomes: a silent timestamped update, an evidenced internal escalation, or a client outreach workflow. Where a change is material, the platform re-runs the relevant part of the due diligence and produces an updated, evidenced file rather than requiring a full manual refresh. Monitoring is configurable by segment, jurisdiction and product, so a firm can run event-driven coverage on higher-risk populations and scheduled refresh on the rest. The practical benefits are a smaller review backlog, earlier detection of risk change, and a defensible answer to a supervisor asking why a customer was not reviewed sooner.
Does CleverChain support perpetual KYC (pKYC)?
Yes, and the term originates with CleverChain's founder. Perpetual KYC replaces fixed-cycle periodic review, where a customer is reviewed every one to three years regardless of what has happened in between, with continuous monitoring that triggers review when something material actually changes. The approach was first built at scale inside a tier-1 UK bank between 2014 and 2018 by CleverChain's founder, whose implementation became the founding reference for the industry definition of perpetual KYC, now standard practice across global financial services. CleverChain is the commercial version of that work. Entity, ownership, sanctions, enforcement and adverse-media data is monitored on an ongoing basis, event-triggered and time-based, across both legal entities (registry and corporate status, nature of business, ownership, UBOs and controllers, sanctions and enforcement, litigation and adverse media) and natural persons (role and network changes, multilingual adverse media, sanctions and watchlists, PEP status and close associates). Changes are assessed for materiality against the customer's own risk policy before an alert is raised, and routed to one of three outcomes: a silent timestamped update, an evidenced internal escalation, or a client outreach workflow. Where a change is material, the platform re-runs the relevant part of the due diligence and produces an updated, evidenced file rather than requiring a full manual refresh. Monitoring is configurable by segment, jurisdiction and product, so a firm can run event-driven coverage on higher-risk populations and scheduled refresh on the rest. The practical benefits are a smaller review backlog, earlier detection of risk change, and a defensible answer to a supervisor asking why a customer was not reviewed sooner.
How does CleverChain handle sanctions ownership and control, including the 50 percent rule?
Sanctions exposure rarely appears as a direct name match, which is why list screening alone is insufficient. Under OFAC's 50 Percent Rule, an entity is blocked where one or more blocked persons own 50% or more in aggregate, directly or indirectly, whether or not that entity appears on the SDN List. The UK regime under the Sanctions and Anti-Money Laundering Act 2018 applies an ownership test at more than 50% and, separately, a control test based on whether a designated person can direct the entity's affairs. Both require aggregation across the ownership chain, which means the risk is only visible if the chain has actually been reconstructed. That is not a theoretical gap. At one major European bank, CleverChain identified nine indirect sanctions links and three corruption investigations at local court level that the institution's existing systems had not surfaced. CleverChain does this by tracing ownership through intermediate entities, aggregating direct and indirect holdings attributable to designated persons, and applying the relevant threshold, while separately assessing control indicators including board appointment rights, voting arrangements, shareholder agreements and connected individuals. Findings are evidenced with the underlying registry and list records so a reviewer can verify the calculation rather than accept a flag. Where ownership data is incomplete, the platform reports the gap and the resulting uncertainty instead of returning a clear result it cannot support. Sanctions ownership and control determinations carry legal consequences and remain the obliged entity's decision; CleverChain provides the analysis and evidence, and firms should take their own legal advice on contested cases.
How does CleverChain handle sanctions ownership and control, including the 50 percent rule?
Sanctions exposure rarely appears as a direct name match, which is why list screening alone is insufficient. Under OFAC's 50 Percent Rule, an entity is blocked where one or more blocked persons own 50% or more in aggregate, directly or indirectly, whether or not that entity appears on the SDN List. The UK regime under the Sanctions and Anti-Money Laundering Act 2018 applies an ownership test at more than 50% and, separately, a control test based on whether a designated person can direct the entity's affairs. Both require aggregation across the ownership chain, which means the risk is only visible if the chain has actually been reconstructed. That is not a theoretical gap. At one major European bank, CleverChain identified nine indirect sanctions links and three corruption investigations at local court level that the institution's existing systems had not surfaced. CleverChain does this by tracing ownership through intermediate entities, aggregating direct and indirect holdings attributable to designated persons, and applying the relevant threshold, while separately assessing control indicators including board appointment rights, voting arrangements, shareholder agreements and connected individuals. Findings are evidenced with the underlying registry and list records so a reviewer can verify the calculation rather than accept a flag. Where ownership data is incomplete, the platform reports the gap and the resulting uncertainty instead of returning a clear result it cannot support. Sanctions ownership and control determinations carry legal consequences and remain the obliged entity's decision; CleverChain provides the analysis and evidence, and firms should take their own legal advice on contested cases.
Does CleverChain use my customer data to train AI models?
No. CleverChain does not develop or train proprietary AI or machine learning models, so no customer data is used for model training. The platform orchestrates third-party large language models, and every AI provider it uses operates under a Zero Data Retention agreement, meaning prompts and customer data are neither retained by the provider nor used to train its models. Because no proprietary model is trained, synthetic data generation does not form part of the architecture either. Only user prompts and workflow-generated queries are sent to AI providers; database credentials, infrastructure information and tenant metadata are never shared. AI provider selection is configurable per tenant, so an institution that has approved specific providers through its own model risk process can restrict CleverChain to those. Where a provider offers regional endpoints, processing is routed to the region matching the customer's data residency requirement. Model and prompt versions, retrieval sources and outputs are logged and traceable, which is what an internal model risk function will ask to see. The commercial consequence of this architecture is that CleverChain improves as the model landscape improves, without re-platforming and without the customer inheriting a dependency on any single AI provider's roadmap, pricing or limitations.
Does CleverChain use my customer data to train AI models?
No. CleverChain does not develop or train proprietary AI or machine learning models, so no customer data is used for model training. The platform orchestrates third-party large language models, and every AI provider it uses operates under a Zero Data Retention agreement, meaning prompts and customer data are neither retained by the provider nor used to train its models. Because no proprietary model is trained, synthetic data generation does not form part of the architecture either. Only user prompts and workflow-generated queries are sent to AI providers; database credentials, infrastructure information and tenant metadata are never shared. AI provider selection is configurable per tenant, so an institution that has approved specific providers through its own model risk process can restrict CleverChain to those. Where a provider offers regional endpoints, processing is routed to the region matching the customer's data residency requirement. Model and prompt versions, retrieval sources and outputs are logged and traceable, which is what an internal model risk function will ask to see. The commercial consequence of this architecture is that CleverChain improves as the model landscape improves, without re-platforming and without the customer inheriting a dependency on any single AI provider's roadmap, pricing or limitations.
We already pay for watchlist / company data provider XYZ. Why add CleverChain?
Because the problem those contracts solve is data, and the problem that consumes analyst time is interpretation. CleverChain operates one layer above the data stack, and it can run either way. In the full-stack model, CleverChain orchestrates its own registry, commercial and open sources and delivers both the data and the intelligence. In the intelligence-only model, the customer keeps its existing third-party data contracts, CleverChain ingests that input, adds open and public-domain sources on top, and supplies only the intelligence layer: source selection and combination, entity disambiguation, verification and reconciliation across sources, contextual risk assessment, and an audit-ready, source-cited output calibrated to the customer's own policy. Both models run on the same engine. That choice matters commercially, because it means adopting CleverChain does not require unwinding a data relationship, renegotiating a contract or repeating a procurement exercise. It also means incumbent data providers are suppliers, channels or partners rather than displaced competitors, which is the basis of our partnership with Experian. In fact, by partnering with CleverChain, customers access multiple data providers, deployed based on scenario, through a single contractual relationship. The practical test is simple: take a handful of entities you have already assessed using your current data contracts and run them through CleverChain. What is being compared is not coverage but what the output leaves for the analyst to do.
We already pay for watchlist / company data provider XYZ. Why add CleverChain?
Because the problem those contracts solve is data, and the problem that consumes analyst time is interpretation. CleverChain operates one layer above the data stack, and it can run either way. In the full-stack model, CleverChain orchestrates its own registry, commercial and open sources and delivers both the data and the intelligence. In the intelligence-only model, the customer keeps its existing third-party data contracts, CleverChain ingests that input, adds open and public-domain sources on top, and supplies only the intelligence layer: source selection and combination, entity disambiguation, verification and reconciliation across sources, contextual risk assessment, and an audit-ready, source-cited output calibrated to the customer's own policy. Both models run on the same engine. That choice matters commercially, because it means adopting CleverChain does not require unwinding a data relationship, renegotiating a contract or repeating a procurement exercise. It also means incumbent data providers are suppliers, channels or partners rather than displaced competitors, which is the basis of our partnership with Experian. In fact, by partnering with CleverChain, customers access multiple data providers, deployed based on scenario, through a single contractual relationship. The practical test is simple: take a handful of entities you have already assessed using your current data contracts and run them through CleverChain. What is being compared is not coverage but what the output leaves for the analyst to do.
How does CleverChain detect shell companies and complex corporate structures?
Shell-company risk is a judgement about intent, not a data lookup, which is why registry checks and threshold-based UBO calculations do not find it. The draft AMLA Regulatory Technical Standards under Article 28(1) AMLR make this explicit: Article 12 defines a complex corporate structure formally, and condition 12(1)(d) asks whether a structure obfuscates ownership with no legitimate economic rationale. That is an evidence-weighted assessment. CleverChain performs automatic Article 12 condition detection and addresses 12(1)(d) through a multi-layer opacity assessment with documented rationale testing, so the conclusion arrives with the reasoning attached rather than as a score. The signals combined include layering depth and jurisdictional routing, use of nominee and corporate directors, circular and reciprocal holdings, registered-address concentration, dormancy against declared activity, incorporation and filing patterns, shared officers across unconnected entities, and the absence of any commercial explanation for the structure that a reasonable observer would accept. Each is evidenced to its source. The output is a narrative a compliance officer can defend to a supervisor, including the case against the finding where exculpatory evidence exists. CleverChain's capability here was recognised by Chartis Research with the 2026 Shell Company Detection award, and the methodology is set out in its research paper 'Detecting Opacity by Design'.
How does CleverChain detect shell companies and complex corporate structures?
Shell-company risk is a judgement about intent, not a data lookup, which is why registry checks and threshold-based UBO calculations do not find it. The draft AMLA Regulatory Technical Standards under Article 28(1) AMLR make this explicit: Article 12 defines a complex corporate structure formally, and condition 12(1)(d) asks whether a structure obfuscates ownership with no legitimate economic rationale. That is an evidence-weighted assessment. CleverChain performs automatic Article 12 condition detection and addresses 12(1)(d) through a multi-layer opacity assessment with documented rationale testing, so the conclusion arrives with the reasoning attached rather than as a score. The signals combined include layering depth and jurisdictional routing, use of nominee and corporate directors, circular and reciprocal holdings, registered-address concentration, dormancy against declared activity, incorporation and filing patterns, shared officers across unconnected entities, and the absence of any commercial explanation for the structure that a reasonable observer would accept. Each is evidenced to its source. The output is a narrative a compliance officer can defend to a supervisor, including the case against the finding where exculpatory evidence exists. CleverChain's capability here was recognised by Chartis Research with the 2026 Shell Company Detection award, and the methodology is set out in its research paper 'Detecting Opacity by Design'.
Can CleverChain remediate an existing back book of customers?
Yes, absolutely, and totally configured with respect to each customer's individual data points. CleverChain runs remediation as a managed population rather than as a manual campaign. Records are submitted in batch through the API, assessments run in parallel, and risk-based prioritisation surfaces the highest-risk cases first so the programme delivers value before it completes. Where only specific data points are missing or stale, our engine remediates those fields directly and supplies tailored data blocks, which avoids re-running a full investigation on a file that needs three fields. Every remediated record carries its evidence and a control checklist mapping each requested item to the source and its completion status, which is what a supervisor reviewing a remediation programme will ask for. Work that would otherwise span months can be processed in days. With particular regard to the EU, the deadline for doing so is also already fixed. Article 33 of the draft AMLA Regulatory Technical Standards requires obliged entities to bring existing customers up to the new customer due diligence standard on a risk-prioritised basis, with back-book remediation due by 2032 and the AML Regulation applying from 10 July 2027. Remediation is the largest single piece of work the new framework creates, and it is the work least suited to manual processing, because it is high volume, repetitive and evidentially demanding at the same time.
Can CleverChain remediate an existing back book of customers?
Yes, absolutely, and totally configured with respect to each customer's individual data points. CleverChain runs remediation as a managed population rather than as a manual campaign. Records are submitted in batch through the API, assessments run in parallel, and risk-based prioritisation surfaces the highest-risk cases first so the programme delivers value before it completes. Where only specific data points are missing or stale, our engine remediates those fields directly and supplies tailored data blocks, which avoids re-running a full investigation on a file that needs three fields. Every remediated record carries its evidence and a control checklist mapping each requested item to the source and its completion status, which is what a supervisor reviewing a remediation programme will ask for. Work that would otherwise span months can be processed in days. With particular regard to the EU, the deadline for doing so is also already fixed. Article 33 of the draft AMLA Regulatory Technical Standards requires obliged entities to bring existing customers up to the new customer due diligence standard on a risk-prioritised basis, with back-book remediation due by 2032 and the AML Regulation applying from 10 July 2027. Remediation is the largest single piece of work the new framework creates, and it is the work least suited to manual processing, because it is high volume, repetitive and evidentially demanding at the same time.
Does CleverChain offer managed services as well as software?
Yes. Alongside the platform, CleverChain delivers tech-enabled managed services for organisations that want the outcome rather than the tool, or that need capacity for a defined programme. The scope covers company and counterparty reports produced on request, ongoing monitoring run as a service, and data-remediation programmes across an existing portfolio. These run on the same platform as the self-service product, so the output, the evidence trail and the policy calibration are identical: the difference is who operates it. Configuration, tuning, calibration to the customer's policy and analyst support are included as part of the proposition rather than billed as a separate implementation project. Managed services are priced on demand. This is often the practical entry route for a first programme: a remediation exercise or a supplier due diligence campaign delivered as a service, with the platform adopted directly once the operating model is settled.
Does CleverChain offer managed services as well as software?
Yes. Alongside the platform, CleverChain delivers tech-enabled managed services for organisations that want the outcome rather than the tool, or that need capacity for a defined programme. The scope covers company and counterparty reports produced on request, ongoing monitoring run as a service, and data-remediation programmes across an existing portfolio. These run on the same platform as the self-service product, so the output, the evidence trail and the policy calibration are identical: the difference is who operates it. Configuration, tuning, calibration to the customer's policy and analyst support are included as part of the proposition rather than billed as a separate implementation project. Managed services are priced on demand. This is often the practical entry route for a first programme: a remediation exercise or a supplier due diligence campaign delivered as a service, with the platform adopted directly once the operating model is settled.