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Vivox AI, which builds explainable AI agents for financial crime compliance, today shares how Stablegate, a Swiss payment service provider for digital assets and cross-border payments operated by STGG AG, a Swiss financial intermediary AML-supervised under the Swiss Anti-Money Laundering Act through membership of VQF, a FINMA-recognised self-regulatory organisation, uses its agents to run Know Your Business (KYB) checks on family offices, asset managers and corporate clients applying for its services.
Stablegate's clients move high-value sums across borders, in fiat and in stablecoins. Each applicant can bring layered ownership, trusts, several beneficial owners and frequent changes of directors and registered owners. Assembling that picture by hand can take a compliance team days, and sometimes weeks. For a client whose funds are waiting to move, every day of onboarding is a day of money standing still.
Regulators are also raising the bar for crypto firms. In the EU, the Markets in Crypto-Assets Regulation (MiCA) now applies in full, with transitional periods for existing providers ending by July 2026, and the "travel rule" requires crypto transfers to carry information on the sender and recipient. The UK's new authorisation regime for cryptoasset firms starts on 25 October 2027, and the EU's Anti-Money Laundering Authority is preparing to supervise the largest cross-border firms directly. Payment providers are expected to know exactly who they onboard, and to show how they reached each decision.
Stablegate's compliance team now uses Vivox AI's agents for KYB. The agents pull together company registry records, trace changes in ownership over time and map complex corporate structures, with every finding linked to its source record. A family office or asset manager with a multi-layer structure is onboarded in a few days through a single point of contact, and the AML file behind every high-value transaction is complete and auditable from day one.
Once onboarded, a client works through one window: one account, one compliance file, one team. The client can pay third parties and receive payments from third parties, in fiat or in stablecoins, including to accounts and IBANs in the client's own name. Accounts and IBANs are opened through Stablegate's account providers; after a single onboarding the client can open accounts and IBANs in any of 11 countries and pick the jurisdiction that fits its banking relationships. The same AML standard applies to every incoming and outgoing payment, whatever its size.
"Onboarding a business with an unusual structure, with trusts, many owners and lots of changes in the registry of owners and directors, could take days or sometimes weeks. With AI, we get the complete picture in minutes, with all the history and traces we need for our compliance checks. For a family office with holding companies in several countries, that is the difference between opening an account in a few days and losing the client to a slower provider," said Alexander Iakovlev, Chief Technology Officer of Stablegate.
"We sometimes ask ourselves whether our own LLM engineers could build the same service. It would take years. Here we have it out of the box: reliable, consistent and super fast," Iakovlev added.
"As crypto regulation tightens across Europe and the UK, payment providers can't choose between speed and control. The Stablegate use case demonstrates that they can have both: ownership checks that used to take days are now carried out in minutes, with every conclusion traceable back to its original records," said Tim Khamzin, CEO and Founder at Vivox AI.
Cross-border payments in digital assets are one of the most demanding environments for KYB, because corporate structures are often complex and change frequently. Vivox AI's agents gather the evidence and link every finding to its source, so compliance analysts can spend their time on decisions rather than on collecting documents.
Watch Alexander Iakovlev explain how Stablegate uses Vivox AI: KYB in Crypto Payments: How Stablegate Uses Vivox AI to Trace Business Ownership
