Compare AML providers - and see where WhyAML fills the gap
Document-based providers verify identity. Crypto gateways move money. WhyAML does both in one act - and reaches the clients document checks can't.
and paid
collected
no expiry pressure
There are two kinds of tool in this market, and they solve different halves of the same problem.
Identity providers
They verify who your client is, from a document. They cannot take payment.
Crypto payment gateways
They move stablecoin. They do not verify identity themselves - they route it to a third-party KYC vendor and a separate Travel Rule provider, and the identity still comes off a document.
WhyAML does both in one act.
The wallet that pays is the wallet verified. No document at any point.
| Verifies identity | Takes payment | Both, in one act | |
|---|---|---|---|
| AML providers | Yes, from documents | No | No |
| Stablecoin gateways | Through a third party | Yes | No |
| WhyAML | Yes, without documents | Yes | Yes |
Full Provider Comparison
11 features · 7 providers · different methods, different strengths. See which combination fits your firm.
| Feature | SmartSearch | Thirdfort | Credas | Xama | Veriphy | AMLCC | WhyAML |
|---|---|---|---|---|---|---|---|
| Documents required | Yes | Yes | Yes | Yes | Yes | Yes | No |
| Selfie / liveness | Yes | Yes | Yes | Yes | Yes | N/A | No |
| App download | No | Yes | Yes | No | No | No | No |
| Price per check | £15-25 | £20-30 | £12-20 | £10-18 | £8-15 | Platform* | £6-7.50 |
| Contract required | Yes | Yes | Yes | ~Varies | ~Varies | Yes | No |
| PII stored by them | Yes | Yes | Yes | Yes | Yes | Yes | No |
| Re-verified per event | No | No | No | No | No | No | Yes |
| CARF provenance layer | No | No | No | No | No | No | Yes → |
| Takes payment | No | No | No | No | No | No | Yes |
| Verification inside the payment | No | No | No | No | No | No | Yes |
| Resistant to synthetic documents | No | No | No | No | No | No | Yes |
Stripe, BitPay, BVNK and others accept stablecoin. Aren't they the same thing?
No - and mostly they cannot serve a practice at all.
They move money; they don't verify identity.
Compliance is routed to a third-party KYC vendor and a separate Travel Rule provider. You still hold the identity obligation, you still collect the document, and you now have three contracts instead of one.
Most have enterprise minimums.
BVNK, the largest, carries a floor of roughly $500,000 a month. A practice invoicing £3,000 is not the customer they are built for.
They are payment companies with compliance attached.
We are a compliance company that takes the payment. That difference decides who carries the evidence obligation - and it is you, unless the verification happens inside the payment.
Four cases your current AML stack can't reach
If you already have a verification provider, here's where WhyAML works alongside it - for the clients and scenarios document-based tools struggle with.
We don't ask for passports.
If we don't store it, no-one steals it.
Built for the May 2027 deadline.
Behaviour can't be deepfaked.
The cases document tools struggle with
The friction points document-based verification keeps running into - and the cases WhyAML's approach is built to handle.
Stop collecting. Start observing.
Get paid while you're at it.
No contract. No documents. No liability.
