Detect and prevent financial crime in digital assets.
Run digital-asset screening, monitoring, and reporting workflows your team can explain to reviewers, regulators, and the board.
Problem
Digital-asset exposure reaches every control.
Exposure appears before a product launches.
Customers, correspondents, and payment partners create digital-asset exposure even when the institution offers no crypto product.
Direct screening misses layered risk.
Addresses can look clean while funds move through intermediaries, nested services, and wallets tied to higher-risk activity.
Broad filing incentives create noise.
Controls that fire too broadly create noise and consume review time while the most useful context remains buried in the queue.
21.41
Hours per SAR
Median staff time reported by 15 large US banks, compared with FinCEN's estimate of 1.98 hours.
Source: Bank Policy Institute · SAR PRA Comment Letter (opens in a new tab)
~2%
Acted on
FinCEN's estimated share of roughly four million annual SARs that prompt law-enforcement action.
What is Ardence?
Ardence is an AI investigation platform built for all-source intelligence. For financial crime compliance, teams can bring customer records, alerts, policy, and transaction evidence into one reviewable decision.
How it works
Move each alert to a documented decision.
Triage
Resolve the customer, address, counterparty, history, and exposure before deciding whether to dismiss, escalate, or request more information.
- Identify the customer and attributed counterparties
- Review direct and indirect exposure in transaction order
- Compare the activity with customer history, policy, and the triggering rule
Investigate
Follow the full flow across wallets, services, and chains while keeping the triggering transaction and customer relationship in view.
- Trace the transaction through intermediaries and cross-chain activity
- Identify the source, destination, and related wallet clusters
- Connect on-chain activity with account, customer, and case records
Decide
Bring the risk basis and evidence together so the responsible analyst or officer can clear, restrict, block, freeze, escalate, or report the activity.
- Apply the institution's thresholds and escalation rules
- Document the disposition and the officer responsible for it
- Prepare the facts needed for a SAR, STR, account action, or referral
Evidence
Keep sources, evidence, and investigative findings together for your team's review.
- Attach sources and supporting evidence
- Keep investigative notes and reasoning together
- Organize findings for your team's review
Triage
Resolve the customer, address, counterparty, history, and exposure before deciding whether to dismiss, escalate, or request more information.
- Identify the customer and attributed counterparties
- Review direct and indirect exposure in transaction order
- Compare the activity with customer history, policy, and the triggering rule
Investigate
Follow the full flow across wallets, services, and chains while keeping the triggering transaction and customer relationship in view.
- Trace the transaction through intermediaries and cross-chain activity
- Identify the source, destination, and related wallet clusters
- Connect on-chain activity with account, customer, and case records
Decide
Bring the risk basis and evidence together so the responsible analyst or officer can clear, restrict, block, freeze, escalate, or report the activity.
- Apply the institution's thresholds and escalation rules
- Document the disposition and the officer responsible for it
- Prepare the facts needed for a SAR, STR, account action, or referral
Evidence
Keep sources, evidence, and investigative findings together for your team's review.
- Attach sources and supporting evidence
- Keep investigative notes and reasoning together
- Organize findings for your team's review
Financial crime compliance programs.
HIFI added a new chain without adding compliance headcount.
HIFI used TRM Transaction Monitoring and Compliance API to add USDT on TRON. The team averaged two weeks to support a new blockchain.
Anchorage put new assets inside one monitoring program.
Anchorage Digital Bank uses TRM transaction monitoring on inbound and outbound flows, with case management built into the review process.
Roxom built a seven-agent AML investigation workflow in one week.
Roxom uses TRM MCP to apply a consistent standard to onchain analysis while a person reviews every outcome.
Intelligence
Intelligence built for financial crime compliance.
Risk intelligence
See the exposure behind the alert.
Separate direct and indirect exposure, identify the attributed entities involved, and review the source behind each risk signal.
Sanctions and blockchain intelligence
Apply current intelligence to the decision.
Review sanctions coverage, wallet attribution, transaction paths, and changes in risk against the institution's own policy.
All-source intelligence
Dozens of data partners. One investigation platform.
Ardence brings intelligence from TRM and specialized data providers into one investigation under a single Ardence contract.¹
Use Ardence to analyse company records, ownership information, sanctions context and adverse media alongside customer records and alerts. Commercial partner intelligence and open-source information help analysts investigate an escalated case, subject to each source's permitted-use and disclosure restrictions.
¹ Provider availability varies by customer and jurisdiction. Supplemental terms may apply.
Services
Expert support and training for compliance teams.
- Learn more
Investigative support
Work with TRM specialists on complex transaction investigations and counterparty exposure. Review the financial evidence and prepare findings for your compliance team's disposition or escalation.
- Learn more
Financial Institutions learning path
Separate tracks support KYC analysts, transaction monitoring teams, investigators, and sanctions compliance staff.
- Learn more
Compliance Advisory
Work with former practitioners on risk assessments, VASP diligence, alert design, and exposure analysis grounded in TRM intelligence. Receive a defined work product your team can use immediately.
Community
Share intelligence where action happens.
- Contact us
Resolve: Compliance & Supervision
Get hands-on training and connect with compliance and supervision practitioners at Resolve: Compliance & Supervision, a dedicated mission track focused on the challenges your team faces.
Disruption Sprints
Recurring events that bring compliance teams, investigators, and partners together to work live cases and carry out coordinated disruptions of illicit financial activity. Each institution makes its own decisions on account restrictions, reporting, and referrals.
UK Beacon consortium
A planned public-private collaboration bringing UK banks, crypto firms, stablecoin issuers, and law enforcement together around investment fraud and associated money laundering. Participants contribute their own information while TRM adds blockchain intelligence and coordination support.
Questions
FAQ
TRM Compliance Advisory can map inherent risk across products, customers, geographies, and channels, using TRM intelligence to produce a scored risk matrix and narrative assessment.
TRM specialists can review risk-engine configuration, rule design, risk scoring, and alert management, then deliver an advisory blueprint your team can apply to its controls and operating process.
TRM combines regulatory standing, adverse media, blockchain exposure, and observed onchain behavior in a risk-tiered diligence report built for onboarding, monitoring, and relationship reviews.
TRM can map exposure paths, risk categories, transaction volume, and timing across a counterparty network, helping your team examine risk that direct wallet screening may miss.
TRM Wallet Screening and Transaction Monitoring support an institution's controls. Forensics provides deeper crypto tracing and analysis. Ardence helps teams analyse that financial evidence and external data alongside customer or case records when an investigation requires broader context, subject to each source's permitted-use and disclosure restrictions.
Insights
Guidance for compliance teams.
The Complete Crypto Compliance Program Guide
A practical framework for exposure, due diligence, monitoring, investigations, and reporting.
Build a strong transaction monitoring program
Five steps that move an alert through context, investigation, disposition, and review.
Six priorities for compliance leaders
What senior financial-institution leaders are asking about effectiveness, stablecoins, sanctions, and AI.
