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المدونة · 25 أكتوبر 2026

Top 10 AMLR Compliance Solutions in 2026 (EU AML Regulation)

The ten tools we would shortlist for EU AMLR due diligence, ranked by how much of the checklist one account covers: identity and eID, beneficial owners, screening, monitoring, transactions and review work. Didit ranks first.

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In short

The EU Anti-Money Laundering Regulation, Regulation (EU) 2024/1624, applies from 10 July 2027 and puts customer due diligence into one directly applicable rulebook.[1][2] These are the ten tools we would shortlist to run that due diligence, ranked by how much of the regulation's checklist one account covers.

  • Didit is #1. It publishes a guide that maps each AMLR requirement to a Didit workflow step, endpoint or webhook, and it covers KYC, KYB with a KYC per owner, sanctions and PEP screening with ongoing monitoring, transaction monitoring and wallet screening at published per-check prices.[2][3]
  • Didit's Investigator agent prepares a cited report for each item waiting for review and decides only within the policy and autonomy level your team sets; sanctions matches always go to a person.[4]
  • IDnow, Signicat and Veridas follow for European eID and video identification; Shufti, Trulioo, Persona, Daon, iDenfy and Facephi complete the list.

Last reviewed: 25 October 2026 · We build Didit, so read this as our ranking · Not legal advice

AMLR puts the customer due diligence rules into one directly applicable regulation. It binds credit and financial institutions, crypto-asset service providers (CASPs), gambling providers and the other obliged entities listed in Article 3.[2]

No software makes a company compliant on its own. Under Article 18 you remain the obliged entity, and six tasks can never be outsourced, including your risk assessment, the onboarding decision, FIU reporting and the approval of your detection criteria.[2] What a vendor can do is run the checks, keep the evidence and give your team more leverage. That is what we ranked.

What AMLR asks a verification stack to do

ObligationArticleWhat the tool has to support
Identify and verify the customerArt. 20(1)(a), Art. 22An identity document check, or electronic identification under Art. 22(6)(b)[2]
Identify beneficial ownersArt. 20(1)(b), Arts. 51 to 53Registry data and owners at 25% or more, each verified[2]
Sanctions and PEP checksArt. 20(1)(d) and (g), Art. 42Screening at onboarding and again on a regular basis[2]
Ongoing monitoring and refreshArt. 26Customer data updated at least every year for higher-risk customers and every 5 years for the rest[2]
Transactions and suspicion reportsArt. 26(1), Art. 69Transaction monitoring and a case file your officer reports from[2]
RecordsArt. 77Due diligence records kept for 5 years, then deleted[2]
Automated decisionsArt. 76(5)Meaningful human intervention and an explanation the customer can challenge[2]

Article references as summarised in Didit's AMLR guide; read the text of Regulation (EU) 2024/1624 with your counsel.[1][2]

The ranking at a glance

#VendorBest forPricesKYCKYB and ownersAML monitoringTransaction monitoringWallet screeningAgents and MCP
1Didit[2][3][5][4][6]Every AMLR check in one account, priced per checkPublished per checkYes, document or eIDYes, KYC per ownerYesYesYes, via blockchain-analytics providersInvestigator, Copilot, MCP
2IDnow[7][8][9][10][11]Video identification in Germany and the EUNot publishedYes, incl. VideoIdentFrench register, previewYesNot documentedNot documentedNot documented
3Signicat[12][13][14][15][16][17]eID-led onboarding with signingQuoted; method prices in its dashboardYesYes, 40+ countriesYesYesNot documentedDocs-search MCP
4Veridas[18][19][20][21][22][23]Biometrics and video identification evidenceNot publishedYesNot documentedScreening yes; ongoing monitoring not documentedNot documentedNot documentedNot documented
5Shufti[24][25][26][27][28]Many modules from one vendorFrom $1.5 per verification; Enterprise on requestYesYes, UBO to 25%YesEnterprise planYesMCP connector
6Trulioo[29][30][31][32][33][34]Cross-border data and business checksNot publishedYesYes, UBO DiscoveryYesNot documentedNot documentedMCP, initially KYB
7Persona[35][36][37][38][39]Platforms that build their own flowsFrom $250 a month, 12-month termYesYes, 150+ countriesYesEarly accessOFAC-only address listTwo MCP servers, agents
8Daon[40][41][42][43][44][45]Enterprise biometrics and authenticationNot publishedYesNot documentedNot documentedNot documentedNot documentedNot documented
9iDenfy[46][47][48][49][50][51]Smaller online businesses wanting human review$1.35 per verification, $135 monthly minimum on BasicYesYes, KYC for shareholdersYesYesConflicting on its pagesAccount MCP
10Facephi[52][53][54][55][56][57]Banks running biometric SDKs on premisesBy proposalYesKYB platform, Spanish pageYesYesNot documentedIn-product assistant

"Not documented" means not documented on the vendor's public pages we checked on 25 October 2026. Each row traces to the sources cited in its vendor cell.

1. Didit: every AMLR check in one account, mapped article by article

Best for: fintechs, crypto-asset service providers, payment and gaming companies that want KYC, KYB, screening, monitoring and review work under one API and one published price list.

Didit is infrastructure for identity and fraud. Its docs include an AMLR compliance guide that takes the regulation's obligations one by one and names the Didit workflow step, API endpoint or webhook you can use for each part, with the article it comes from.[2] The guide is explicit about the line between tool and obliged entity: Didit provides the checks and the evidence, and you decide the risk profile and whether to onboard.[2] Your compliance officer can read the mapping before anyone signs anything.

Identify and verify: document or eID

Article 22(6) names two ways to verify a natural person: an identity document, or electronic identification.[2] Didit supports both in the same workflow. For the eID route, eIDs are live in production for MitID in Denmark, BankID in Sweden, the Finnish Trust Network, Smart-ID in Estonia, Latvia, Lithuania and Belgium, and Mobile-ID in Estonia and Lithuania. The European Digital Identity (EUDI) Wallet is listed as coming soon.[58] For the document route, Didit verifies 14,000+ document types across 220+ countries and territories, with liveness and face match against the document portrait.[59] A full KYC check (ID verification, passive liveness, face match, and device and IP analysis) costs $0.33.[3]

Where a national register holds the data, Didit also runs government and authoritative database checks, documented service by service: 45 countries plus a Global group in the catalog.[60]

Beneficial owners: KYB with a KYC for every owner

Company registry checks cover 220+ countries and territories, and business verification starts at $2.00.[3] You choose per country how much registry data you buy: company profile, shareholders, or ultimate beneficial owners.[61] Didit checks each declared owner and officer against the company's own documents, then screens them and sends each one a linked KYC.[62] The UBO threshold on the workflow is configurable, so you can set it to the regulation's "25% or more", and the decision shows what the register holds next to what the customer declared.[2]

Screening, ongoing monitoring and the refresh clock

AML screening costs $0.20 a check and ongoing monitoring $0.07 per profile per year.[3] You can turn ongoing AML monitoring on for up to 1,000 customers in one API call, with a cost estimate before you commit.[63] Re-screens fire webhooks when a result changes, and the AML report carries the date of the last screening, so you can show a supervisor that monitoring ran even when nothing changed.[2]

Transaction monitoring, cases and reports

Didit scores fiat and crypto transactions against real-time rules at $0.02 per transaction, in the same console as the identity record.[3][64] It ships over 150 preset rules, and you can backtest a rule against your own history before you switch it on.[65][66] Didit drafts SAR, STR and other FIU reports from the case and exports them as goAML XML and PDF for your filing. It does not submit anything to an FIU; your officer files.[67][2] For CASPs, Didit screens any crypto wallet address on demand for $0.15 per check, with a signed PDF report, through blockchain-analytics providers.[5]

Agents that take review work off your team

Didit is agentic: it automates the compliance work that usually needs another analyst. The Investigator agent reads each verification, business verification, AML monitoring hit, transaction alert or case waiting for review, writes a report with a recommendation, and cites every piece of evidence it used.[4] It decides on its own only within the policy and autonomy level your team sets per queue. Sanctions matches always go to a person, it never files a regulatory report, and every decision is logged and can be overridden.[4] Under Article 76(5) the human step in onboarding decisions stays yours: on the default Suggest level a person decides every item.[2][4] The Investigator runs on the Growth plan and above, Didit enables it per organization, and it costs $0.20 per reviewed item; and a support agent answers your users' support conversations from $0.02 per message.

Copilot works inside the Business Console: describe the flow you need and it builds a validated draft workflow, and it also creates questionnaires and database validation steps.[68] Publishing requires your confirmation, and when it edits a workflow, a change card lists what changed and Undo reverts it.[68][69] Your own agents connect through Didit's hosted MCP server over OAuth, with no API key to paste, and can create and backtest transaction rules, then hand them to you in test mode.[6][70]

Records and evidence

Every Didit session decision returns each check's result, the extracted fields, the capture images and videos, and the warnings behind the decision, through one API call.[71] Data retention can be set from one month to ten years or left unlimited, with on-demand deletion when your Article 77 period ends, and sessions carry the workflow ID and version your outsourcing register needs.[2] The workflow builder shows each step's price while you build, so a compliance flow is costed before it goes live.[72]

Prices as of 25 October 2026

Didit's plans change on 1 November 2026. The per-check list prices quoted here stay the same on the new plans.[73] Read the AMLR compliance guide and price your flow on the pricing page.

2. IDnow

IDnow sells identity verification for European regulated businesses, including video-based verification and electronic signatures.

Best for: regulated firms in Germany and the wider EU that want video identification.

  • IDnow says its Trust Platform is built for eIDAS 2.0, AMLR and the wider European framework.[74]
  • Its company verification step checks a French company against the official register and is in preview; transaction monitoring and published prices are not documented on its public pages (checked 2026-10-25).[8][9][7]

Compare: IDnow alternative

3. Signicat

Signicat sells a European digital identity platform built around eID access, identity proofing and electronic signatures.

Best for: European banks that onboard through national eIDs and sign contracts in the same journey.

  • Signicat positions its eID hub for AMLR, KYC, eIDAS 2.0 and GDPR, with 35 European eID schemes and EUDI Wallets through one integration.[12]
  • Its pricing page publishes no prices; pricing combines setup, subscription and transaction fees, and per-method prices appear in its dashboard after a free sign-up.[15]

Compare: Signicat alternative

4. Veridas

Veridas sells proprietary biometric identity verification (document checks, face and voice biometrics, liveness) to banks, telcos and other regulated companies.

Best for: banks, telcos and other regulated companies that need biometric and video identification evidence.

  • Veridas maps its KYC to AMLR and supports three EU due diligence routes: identity verification with a qualified signature, EUDI wallets, and eID.[18]
  • Business verification is not documented on its public pages (checked 2026-10-25), and it is sold through Google Cloud and AWS Marketplace.[19][20]

Compare: Veridas alternative

5. Shufti

Shufti sells an identity verification platform covering KYC, KYB, AML screening and related compliance modules.

Best for: teams that want many modules from one vendor and can work with an Enterprise quote.

  • Shufti positions its KYB for EU AMLR ahead of July 2027 and extracts ownership trees to the 25% threshold.[24][25]
  • Essentials starts from $1.5 per verification; transaction monitoring, Travel Rule and eIDV sit in the Enterprise plan, which is priced on request.[26]

Compare: Shufti alternative

6. Trulioo

Trulioo sells person and business verification built on a global network of identity and registry data sources, with AML screening and fraud signals.

Best for: cross-border businesses that verify people and companies against data sources first.

  • Trulioo's site promotes readiness for AMLR and eIDAS 2.0, and its KYB connects business entities to their owners.[29][30]
  • Published prices are not documented on its public pages (checked 2026-10-25); its hosted MCP server focuses first on KYB, with access on request.[31][32]

Compare: Trulioo alternative

7. Persona

Persona sells a configurable identity verification platform with KYC, KYB, screening and case-management modules.

Best for: platforms that build their own verification flows and buy on an annual plan.

  • Persona screens individuals and businesses against sanctions, PEP and adverse-media lists on an ongoing basis, and lists transaction monitoring as early access.[37]
  • Its Essential plan starts at $250 a month with a 12-month minimum contract; Growth and Enterprise are quoted.[36]

Compare: Persona alternative

8. Daon

Daon sells a biometric identity verification and authentication platform (TrustX, xProof) to enterprises.

Best for: large enterprises that want biometric onboarding and authentication from one vendor.

  • Daon's site promotes preparation for EU AMLR by 10 July 2027, and xProof on TrustX has been audited against eIDAS and ETSI TS 119 461.[40][41]
  • Sanctions, PEP and adverse-media screening and business verification are not documented on its public pages (checked 2026-10-25).[42][40]

9. iDenfy

iDenfy sells identity verification with human review, plus KYB, AML screening and transaction monitoring, on a pay-per-verification subscription.

Best for: small and mid-sized online businesses that want optional human review of checks.

  • iDenfy states alignment with AMLD5 and AMLD6, and its KYB creates KYC sessions for shareholders.[75][46]
  • Basic costs $1.35 per verification with a $135 monthly minimum; KYB sits in the Enterprise plan.[49]

Compare: iDenfy alternative

10. Facephi

Facephi sells biometric identity verification SDKs and an identity and anti-fraud platform for regulated industries.

Best for: banks that deploy biometric SDKs on premises or in their own cloud.

  • Facephi states its transaction monitoring is aligned with AMLD6 and SEPBLAC, among other regimes, and links every alert to the customer's verified identity.[55]
  • Its FAQ says cost depends on volume, modules and deployment model, with a proposal after a demo.[56]

Compare: Facephi alternative

How we ranked

We build Didit, so read this as our ranking. We scored every vendor, Didit included, on four things a team preparing for AMLR needs: how much of the due diligence checklist one account covers (identity, owners, screening, monitoring, transactions, records), whether the vendor publishes AMLR material you can check, whether prices are public, and how much review work the product takes off your team. Every competitor fact comes from that vendor's own public pages, read on 25 October 2026. Where we could not find something, we say "not documented" rather than "not offered". We applied these criteria to every vendor, Didit included, and Didit ranks first in our editorial view because it scored highest on them. We did not compare liveness certifications or accuracy claims.

A vendor like Didit can run

  • Document, eID, liveness and database checks
  • Registry checks with a linked KYC per owner
  • Sanctions and PEP screening and re-screening
  • Transaction rules, cases and goAML exports

AMLR keeps with you

  • Your business-wide risk assessment
  • Each customer's risk profile and the onboarding decision
  • Approving detection criteria
  • Filing reports with your FIU

The split follows Article 18(3) as summarised in Didit's AMLR guide.[2]

Key takeaways

  • AMLR applies from 10 July 2027, and you remain the obliged entity whichever vendor you pick.
  • Didit maps each AMLR requirement to its workflows and endpoints, and covers KYC, KYB with owner KYC, screening, monitoring, transactions and wallet screening at published prices.
  • The Investigator writes cited reviews and decides only within your policy; sanctions matches always reach a person.

Frequently asked questions

When does the EU AML Regulation apply?

Regulation (EU) 2024/1624 entered into force on 9 July 2024 and applies from 10 July 2027.[1][2]

Does a software vendor take over my AMLR obligations?

No. You remain the obliged entity and fully liable for outsourced tasks, and six tasks can never be outsourced, including the onboarding decision and FIU reporting. A vendor runs the checks and keeps the evidence.[2]

Does AMLR accept electronic identification instead of a document?

Yes. Article 22(6) names an identity document or electronic identification as the means of verification. Didit supports MitID, BankID Sweden, the Finnish Trust Network, Smart-ID and Mobile-ID today, with the EUDI Wallet coming soon.[2][58]

What beneficial ownership threshold does AMLR use?

25% or more. On Didit the UBO threshold is configurable on the KYB workflow, and each owner gets a linked KYC.[2][62]

Can an AI agent decide AML reviews under AMLR?

Article 76(5) allows decisions from automated processes only with meaningful human intervention in decisions to enter, refuse or keep a relationship. Didit's Investigator decides only within the policy and autonomy level you set, sends every sanctions match to a person and logs every decision.[2][4]

Which AMLR solution is best?

In our ranking, Didit, for teams that want one account that covers identity, owners, screening, monitoring and transactions at published prices. Its AMLR guide shows which feature serves each article, and its agents take review work off your team. We build Didit, so weigh that and check each vendor's current pages.[2][3]

Map your AMLR checklist to Didit

Read the guide article by article, then build the flow in the sandbox and see the price of each step.

Start verifyingRead the AMLR guide

Sources

  1. Regulation (EU) 2024/1624 (AMLR), EUR-Lex.
  2. AMLR compliance guide, Didit docs, read 25 October 2026.
  3. Pricing, Didit docs, read 25 October 2026.
  4. Investigator agent, Didit docs, read 25 October 2026.
  5. Wallet screening, Didit docs, read 25 October 2026.
  6. MCP server overview, Didit docs, read 25 October 2026.
  7. IDnow homepage, IDnow, read 25 October 2026.
  8. Company verification, IDnow platform docs, read 25 October 2026.
  9. AML screening, IDnow, read 25 October 2026.
  10. Crypto, IDnow, read 25 October 2026.
  11. Identity verification, IDnow, read 25 October 2026.
  12. eID and Wallet Hub, Signicat, read 25 October 2026.
  13. KYC and KYB platform, Signicat, read 25 October 2026.
  14. AML transaction monitoring, Signicat, read 25 October 2026.
  15. Pricing, Signicat, read 25 October 2026.
  16. Connect to MCP, Signicat developer docs, read 25 October 2026.
  17. Products, Signicat, read 25 October 2026.
  18. AMLR compliance with Veridas, Veridas, read 25 October 2026.
  19. KYC, Veridas, read 25 October 2026.
  20. About us, Veridas, read 25 October 2026.
  21. Best identity verification solution for AML, Veridas, read 25 October 2026.
  22. Crypto identity verification, Veridas, read 25 October 2026.
  23. APIs, Veridas, read 25 October 2026.
  24. eIDV, Shufti, read 25 October 2026.
  25. Know your business, Shufti, read 25 October 2026.
  26. Pricing, Shufti, read 25 October 2026.
  27. Crypto wallet screening, Shufti, read 25 October 2026.
  28. MCP connector, Shufti, read 25 October 2026.
  29. Trulioo homepage, Trulioo, read 25 October 2026.
  30. KYB business verification, Trulioo, read 25 October 2026.
  31. AML screening, Trulioo, read 25 October 2026.
  32. Integrations, Trulioo, read 25 October 2026.
  33. Crypto, Trulioo, read 25 October 2026.
  34. Developer documentation index, Trulioo, read 25 October 2026.
  35. Know your business, Persona, read 25 October 2026.
  36. Plans and pricing, Persona, read 25 October 2026.
  37. Anti-money laundering, Persona, read 25 October 2026.
  38. Crypto Address Watchlist report, Persona help centre, read 25 October 2026.
  39. Persona MCP servers, Persona help centre, read 25 October 2026.
  40. Daon homepage, Daon, read 25 October 2026.
  41. Compliance, Daon, read 25 October 2026.
  42. xProof, Daon, read 25 October 2026.
  43. About us, Daon, read 25 October 2026.
  44. Crypto, Daon, read 25 October 2026.
  45. Developers, Daon, read 25 October 2026.
  46. KYB, iDenfy, read 25 October 2026.
  47. AML screening, iDenfy, read 25 October 2026.
  48. Transaction monitoring software, iDenfy, read 25 October 2026.
  49. Pricing plans, iDenfy, read 25 October 2026.
  50. Stablecoin compliance, iDenfy, read 25 October 2026.
  51. AI assistants, iDenfy docs, read 25 October 2026.
  52. Onboarding, Facephi, read 25 October 2026.
  53. KYB Platform, Facephi, read 25 October 2026.
  54. AML screening, Facephi, read 25 October 2026.
  55. Transaction monitoring, Facephi, read 25 October 2026.
  56. Identity verification, Facephi, read 25 October 2026.
  57. Facephi Intelligence Platform, Facephi, read 25 October 2026.
  58. Digital IDs (eID), Didit docs, read 25 October 2026.
  59. ID verification overview, Didit docs, read 25 October 2026.
  60. Database validation supported countries, Didit docs, read 25 October 2026.
  61. KYB supported countries and data tiers, Didit docs, read 25 October 2026.
  62. Key people, Didit docs, read 25 October 2026.
  63. Ongoing AML monitoring for users, Didit docs, read 25 October 2026.
  64. Transaction monitoring overview, Didit docs, read 25 October 2026.
  65. Rules library, Didit docs, read 25 October 2026.
  66. Transaction rules API and backtesting, Didit docs, read 25 October 2026.
  67. FIU reports, Didit docs, read 25 October 2026.
  68. August 2026 changelog, Didit docs, read 25 October 2026.
  69. September 2026 changelog, Didit docs, read 25 October 2026.
  70. MCP tools, Didit docs, read 25 October 2026.
  71. Retrieve session, Didit docs, read 25 October 2026.
  72. Workflows, Didit docs, read 25 October 2026.
  73. New pricing from 1 November 2026, Didit blog, read 25 October 2026.
  74. Trust Platform, IDnow, read 25 October 2026.
  75. Compliance overview, iDenfy docs, read 25 October 2026.

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Vendor names and marks belong to their owners; references here are nominative, for comparison only, and imply no affiliation.

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