The AML Single Rulebook + AMLA are here

AML/CFT software tools for obliged entities across Europe.

Software tools for obliged entities working under the EU Single Rulebook (AMLAR), AMLA supervision and MiCA. Pan-European UBO lookups, eIDAS-based KYC, EU sanctions screening, STR drafting workflows and record-keeping controls, with your data stored in the EU.

Start free trial See EU features

Trial: 2 weeks free
Origin: Built for EU
From: €49/mo

Reporting

Training

Customer Checks

Reliance

Employee Checks

Transaction checks

Monitoring

Risk Reviews

AML Policy creation

Integrations

Built for use across EU Member States

Frankfurt

Data stored in the EU. See our Trust page.

2028

AMLA supervision begins

The six steps

Six steps to set up your tools.

The core parts of an AML/CFT program, and how Instant Compliance helps you prepare and record each one.

Prefer a walkthrough? Book a free video call with our EU team. No obligation.

Step 01

Risk Assessment

Every year, you need to complete an Enterprise-Wide Risk Assessment (EWRA) for your business. We have turned this into a simple, guided form. You can sync it with your calendar so you never miss your annual review.

Step 02

Generate Your AML/CFT Policy

The AMLR requires obliged entities to have written AML/CFT policies, procedures and controls. We generate a draft from your business details, sector-specific and Member State-specific, for you to review, tailor and adopt.

Step 03

Onboard Your Team

Appoint your Money Laundering Reporting Officer (MLRO) and bring your team on board. Everyone gets a risk rating and an EU-specific AML/CFT training module. They get their own account to complete training and flag suspicious activity.

Step 04

Add New Customers

Run your customer due diligence (CDD) checks. Enter your client's email and we send them a branded verification form that runs identity checks and beneficial ownership lookups and returns the results for your review. You choose who pays the verification fee.

Step 05

Log Client Transactions

Whenever you handle funds for a client, log the transaction. Upload a document and we extract the details automatically. The platform suggests a risk rating and flags anything that looks unusual for your review.

Step 06

Ongoing Reporting

Register with your national FIU. From there, Instant Compliance gives your MLRO tools to keep records and prepare reports, including draft Suspicious Transaction Reports for review before filing.

New · Reliance

Sometimes your client doesn't need to verify with you at all.

When another firm in the same transaction has already verified your client through Instant Compliance, you can accept that verified check instead of asking again. Your client verifies once, and you still form your own risk view.

See how Reliance works

Free Setup Call

We'll get you set up live, on camera.

Book a time and our EU team will join you on a video call to walk through the six steps, screen-share the platform, and answer your questions. Friendly, jargon-free, no hard sell.

Book your free call

EU capabilities

Built for the obligations that matter in the EU.

The capabilities chosen because they are where EU compliance teams lose the most time today.

Pan-European UBO extraction

Upload register extracts from any national commercial register and the platform maps the corporate structure from them, compounding holdings through each layer to surface Ultimate Beneficial Owners holding more than 25% for your review.

EU sanctions & PEP screening

Screening against the EU Consolidated Financial Sanctions List, UN, OFAC and Member-State lists. Automated re-screening of your customer base on a schedule you set.

Single Rulebook policy generator

A wizard drafts your AML/CFT manual and EWRA based on the EU Single Rulebook (AMLAR) and adapted to each Member State you operate in, for you to review and adopt.

eIDAS-based identity verification

Biometric remote onboarding through our verification provider, designed to support eIDAS-level remote identification. NFC chip reading for European biometric passports and liveness detection.

MiCA crypto compliance tooling

CASP-specific risk scoring, wallet screening integrations, and EDD triggers for high-risk jurisdictions. Built for the MiCA era.

Automated STR workflows

Staff flag suspicious activity internally; your Compliance Officer compiles the audit trail and exports a report formatted for your national FIU (Tracfin, FIU-Nederland and others).

Retention & purging controls

Retention rules you configure to support your 5-year AML record-keeping and GDPR obligations. Data stored in the EU (Frankfurt). See our Trust page.

Evidence packs

A single audit trail for your supervisor. Every action, screening hit and decision logged.

Reliance

Accept verified CDD performed by another obliged entity in the transaction chain. Your client verifies once across the firms involved. Designed for the reliance mechanism in Articles 48–49 of Regulation (EU) 2024/1624.

See all EU features in detail

Built for Obliged Entities

Software tools to help you manage your existing AMLD obligations.

The five sectors most affected by AMLD and the new Single Rulebook. Each gets a sector-specific workflow on top of the same EU platform.

Real Estate

Estate Agents & Property Professionals

See how it works

Legal Services

Lawyers, Notaries & Tax Advisers

See how it works

Accounting

Accountants, Auditors & Bookkeepers

See how it works

Trust & Company Services

Trust & Company Service Providers (TCSPs)

See how it works

Virtual Assets (MiCA / CASP)

Crypto-Asset Service Providers (CASPs)

See how it works

See all EU industries

New feature · Reliance

Your clients have already proven who they are. Stop making them do it again.

Under AMLD and the EU Single Rulebook, every Obliged Entity involved in the same transaction must conduct their own customer due diligence. Without Reliance, the same client is asked to prove their identity to every firm in the chain. With Instant Compliance Reliance, a verified CDD package from one firm can be shared with the other Obliged Entities in the transaction under Articles 48–49 of Regulation (EU) 2024/1624. Your client verifies once. Each firm keeps its own obligations.

Client verifies once, shared across the whole transaction chain
Each entity still forms its own risk view and runs its own sanctions screen
A single audit trail for your supervisor
Designed for the reliance mechanism in Articles 48–49 of Regulation (EU) 2024/1624

See how Reliance worksAvailable to all subscribers

AMLA arrives. Prepare before supervision begins.

The AML Single Rulebook is reshaping how Obliged Entities in the EU operate. Whether you serve customers in one Member State or several, you can start your free trial today.

Start free trial See pricing

Important: Instant Compliance is software, not compliance advice.

Our tools help you prepare, record and manage an AML/CFT program. They do not provide legal or compliance advice and do not guarantee compliance with the EU AML Regulation or your national AML/CFT law. Your business remains responsible for meeting its own obligations and for every decision it makes using these tools. Instant Compliance is an independent software provider and is not affiliated with, endorsed by or acting on behalf of AMLA, any national supervisor or any government body. Read what we do and what stays your responsibility