Platform

Four modules.
One nerve centre.

KYC, perpetual monitoring, transaction intelligence, and agentic SAR drafting — deployed as a single API or module by module, at the pace your team needs.

Core modules

The full compliance stack, unified.

Every module shares the same risk graph, audit trail, and agentic layer. No stitching together point solutions.

01 ── KYC / KYB
Identity at onboarding
Document verification, liveness detection, PEP and sanctions screening, and beneficial ownership checks in a single API call. Configures to your jurisdiction out of the box.
  • Government ID + passport + driver's licence
  • Liveness with deepfake resistance
  • OFAC, UN, EU, FINTRAC watchlist checks
  • KYB + UBO graph extraction
  • Multi-jurisdiction config: CA / US / UK / EU
02 ── pKYC
Perpetual monitoring
Risk scores that update continuously. When a customer sends funds to a sanctioned-adjacent region or ownership structure changes, Cerno re-scores in real time — not at the next annual review.
  • Event-triggered re-scoring
  • Ownership change detection via registry polling
  • Cross-border spike alerts
  • Adverse media monitoring
  • Configurable risk appetite thresholds
03 ── AML
Transaction intelligence
Behavioural ML baselines that learn your customer cohort. Flags anomalies, not noise. Reduces false positives by up to 70% versus rules-based systems.
  • Peer-group behavioural modelling
  • Network graph for layering detection
  • Real-time velocity and pattern rules
  • Data flywheel: corrections improve shared model
  • Webhook alerts with explainability scores
04 ── SAR
Agentic report drafting
An AI agent retrieves transaction history, OSINT findings, and KYC files — then reasons over the case and drafts a complete SAR narrative. Chain-of-thought audit trail satisfies FCA and FinCEN reviewers.
  • Full OSINT research agent
  • Structured narrative draft with citations
  • Chain-of-thought reasoning log
  • One-click FinCEN BSA E-File or UKFIU submission prep
  • Exam Mode: read-only regulator view
Developer experience

Deploy in days, not quarters.

A single REST API. Real-time webhooks. TypeScript and Python SDKs. Go from zero to compliant before your sponsor bank asks.

cerno.api — terminal
$ npm install @cerno/sdk
$ import { Cerno } from '@cerno/sdk'

const client = new Cerno({ apiKey: process.env.CERNO_KEY, jurisdiction: 'CA' })

const result = await client.kyc.verify({ document: uploadedDoc, liveness: selfieVideo, watchlists: ['OFAC', 'FINTRAC'] })

✓ Identity verified · risk_score: 12 · status: PASS
✓ Sanctions clear · checked: 847 lists
Deploy time: 11 days · False positive rate: 2.3%
Roadmap

Built in phases, not big bangs.

Phase 01
The Wedge
Months 1 – 4
Replace Persona/Onfido with a two-week deployment. KYC/KYB API, multi-jurisdiction config, and FINTRAC-native support for the Canadian ecosystem.
Phase 02
Perpetual Monitoring
Months 4 – 9
Move from onboarding to ongoing. pKYC engine with real-time re-scoring and ML behavioural baselines. False-positive reduction shipped as a measurable SLA.
Phase 03
The Agentic Moat
Months 9 – 18
AI agents that triage autonomously, draft SARs, and surface a full audit trail for regulators. This is the layer that makes switching vendors high-risk for a CCO.
Technical moats

Why this is hard to replicate.

01
Data Flywheel
Every corrected false positive improves the shared fraud model across the network. The platform gets smarter with each customer added.
02
Regulatory Switching Cost
Changing a compliance vendor mid-audit is high-risk for any CCO. Once Cerno is the system of record, churn is near-zero.
03
Workflow Lock-in
Agentic SAR drafting embeds Cerno into the daily workflow of compliance analysts. Switching means retraining the team and losing the audit trail.