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Risk & Compliance

Compliance at full speed.

Lyria Risk & Compliance brings onboarding, screening, monitoring, fraud prevention and dispute management into the payment flow itself. The controls that protect Lyria are available to the businesses that build on it.

Talk to our teamDeveloper overview
Onboarding caseIllustrative
Corporate registrationVerified
Beneficial owners (3)Verified
Sanctions screeningNo match
Politically exposed personsReview
Business model and websiteApproved
Source of fundsRequested
Sample data. Every decision is logged with its reviewer and evidence.

Controls from first application to last transaction.

One system covers onboarding, screening, monitoring and disputes, so every decision has the full context behind it.

KYB onboarding

Verify companies, directors and beneficial owners with document checks and registry data, and keep cases in one place.

Sanctions and PEP screening

Screen clients, owners and counterparties at onboarding and continuously afterwards.

Transaction monitoring

Rules and behavioural models flag unusual activity across fiat and digital-asset flows.

Fraud prevention

Device, velocity, BIN and behavioural signals are evaluated before a payment reaches an acquirer.

Disputes

Chargeback alerts, evidence collection and representment, tracked against scheme thresholds.

Audit trail

Every decision, reviewer and piece of evidence is recorded and exportable.

How it works

A single, continuous control loop.

  1. Onboard

    Verify the business and the people behind it.

  2. Screen

    Check against sanctions and PEP lists, then keep checking.

  3. Monitor

    Score transactions and flag what does not fit.

  4. Act

    Investigate, decide, report and record.

Details

Risk & Compliance at a glance.

Using Lyria’s compliance tooling supports your program but does not replace your own legal and regulatory obligations.

Onboarding
Company registry checks, identity verification, beneficial ownership, document collection and risk rating.
Screening
Sanctions, politically exposed persons and adverse media, at onboarding and on an ongoing basis.
Monitoring
Configurable rules and behavioural models with case management.
Fraud
Pre-authorisation scoring and adaptive 3-D Secure.
Disputes
Alerts, evidence workflows and ratio tracking against card scheme programs.
Records
Retained for the periods Canadian law requires and exportable for audit.

Who Risk & Compliance is built for.

Payment brands & PSPs

Onboard merchants to your brand with KYB, screening and monitoring already built in.

Read more

Financial institutions

Rely on documented due diligence and ongoing monitoring for the volume we bring you.

Read more
Integrate

Onboard customers by API.

One request style across every Lyria product, with idempotency, signed webhooks and a sandbox that mirrors production.

  • Registry, ownership and screening in one case
  • Decisions logged with reviewer and evidence
  • Ongoing screening after approval
Developer overview
Open an onboarding case
POST /v1/onboarding/cases
{
  "company": { "name": "Northwind Ltd", "country": "GB" },
  "checks": ["registry", "owners", "sanctions", "pep"]
}
→ case_31F  status: in_review
Works with

Complete your stack.

Every product shares the same ledger, data model and controls, so adding the next one is a configuration change.

OrchestrationRoute each payment to the provider most likely to approve it.AccountsMulti-currency accounts through regulated banking partners.Settlement & PayoutsReconciled settlement and payouts on every rail.Digital AssetsStablecoin acceptance, settlement and conversion.Ledger & ReportingA double-entry record of every movement of funds.

Questions about Risk & Compliance.

Can we use the tooling for our own customers?
Yes. Clients can run onboarding, screening and monitoring for their own customers through Lyria, configured to their risk appetite.
Does this make Lyria our compliance officer?
No. The tooling supports your program, but your business remains responsible for its own obligations.
How are false positives handled?
Alerts go to case management, where they are reviewed, decided and documented. Tuning is reviewed regularly.
Can auditors access the records?
Yes. Cases, decisions and evidence can be exported for internal audit, partners and regulators.

Build on controls that already pass review.

Tell us about your flows and volumes, and we will show you how Risk & Compliance fits alongside the rest of your stack.

Talk to our teamAll products