Compliance without the build
Kobble's compliance stack is available standalone -- KYC/KYB, AI-powered transaction monitoring, and AUSTRAC reporting for fintechs and NBFIs that already have infrastructure but need a proven compliance layer.
What you are up against
Common barriers to launching and scaling financial products in this space.
Rising compliance costs
Building and maintaining in-house KYC/AML infrastructure requires specialist staff, ongoing vendor management, and constant regulatory updates.
Off-the-shelf limitations
Generic rule-based transaction monitoring systems generate excessive false positives, miss sophisticated fraud patterns, and require constant manual tuning.
AUSTRAC reporting burden
Suspicious matter reports, threshold transaction reports, and IFTI reports require precise formatting, audit trails, and timely submission.
Evolving regulatory landscape
AML/CTF Act reforms, CPS 230 operational resilience requirements, and new scam prevention obligations demand continuous compliance investment.
How Kobble helps
Purpose-built infrastructure that removes complexity so you can focus on your product.
KYC / KYB Verification
Identity verification for individuals and businesses. Document checks, biometric matching, watchlist screening, and ongoing monitoring.
AI Transaction Monitoring
Proprietary dual-model ML engine combining graph neural networks and gradient-boosted models. Real-time scoring with automated ALLOW/REVIEW/BLOCK decisions.
Full Event Coverage
Monitors monetary transactions (card, NPP, DE, inter-wallet), account management events, new logins, device changes, and provisioning -- not just payments.
AUSTRAC Reporting
Automated generation and submission of SMRs, TTRs, and IFTI reports. Audit-ready records with full data lineage.
AML/CTF Screening
Sanctions, PEP, and adverse media screening integrated into onboarding and ongoing monitoring. Automated re-screening on watchlist updates.
Regulatory Umbrella
Operate under Kobble's AFSL (545391) as a Corporate Authorised Representative. Launch financial products without obtaining your own licence.
Results you can plan for
Measurable impact when you build on the Kobble platform.
Recommended stack
The Kobble modules most commonly used for this solution.
Let's build your solution
Our team will map your requirements to the Kobble platform and provide a tailored proposal with architecture recommendations and timeline estimates.