Payment evidence is scattered across 5–8 systems. Examiners don't wait.

The governance layer for programmable payments

Every new payment rail — stablecoins, real-time payments, AI-agent initiated flows — adds another system your compliance team must reconcile before an examiner asks. Kontext captures the decision, the checks, the approval, and the proof in one reviewer-ready record. No more assembling evidence from 5 systems at 11pm before an OCC exam.

See what your examiner would get

Built for controls enforcement, partner diligence, incident reconstruction, and reviewer-ready exports

Payment Decision Packet

Compliant

Payment Summary

Amount

$48,200 USDC

Type

Vendor payout

Corridor

US → EU (Base)

Timestamp

2026-03-21 09:14 UTC

Enforcement

Blocking mode

Initiation Source

Initiator type

AI agent

Agent ID

treasury-rebalancer-v2

Instruction ref

payout batch #A-449

Policy Checks

Counterparty allowedPassed

Threshold exceeded → dual approval requiredTriggered

Daily volume limitWithin limit

Block or escalate outside policy boundsEscalation ready

Sanctions Screening

OFAC/SDN checkClear

SDN v2026.03.21 · Checked at 09:14:02 UTC · 38ms

Decision Outcome

Disposition

Approved after dual review

Fallback

Blocked if approval missing

Policy version

payout-policy@2026.03

Approval Chain

Treasury Ops

09:12 UTC

→

Compliance

09:13 UTC

→

Execution

09:14 UTC

Evidence Integrity

Verification proof

digest #2,341 returned with event

Content hash

sha256:a4f2c8...7e1d3b

Export Controls

Packet types

Examiner, diligence, incident

Redaction mode

First6...last4 masking

SAR / erasure log

Preserved in audit trail

blocking modescreenedpolicy versionproof returnedredaction readyinitiation sourceexportable

Built for teams using

Stablecoin rails, wallet infrastructure, payment APIs, and treasury orchestration

Built with compliance teams at payment companies across stablecoin treasury, cross-border payouts, and embedded finance.

The Cost of Fragmented Payment Evidence

$1.75B

TD Bank's BSA penalty

Core finding: couldn't prove controls ran.

Source: NETBankAudit

61%

Increase in compliance hours since 2016

While headcount grew only 20%.

Source: BPI Survey

4 hours

Average time per alert investigation

Mostly ruling out false positives.

Source: Flagright

Every programmable money rail you add multiplies this problem. Kontext collapses it.

The Compliance Gap

What happens when the examiner calls

Every compliance review comes down to the same questions. Here is what answering them looks like today — and what it could look like.

“Show me the approval chain for this $50K USDC transfer”

Without Kontext

3 systems, 2 hours, a stitched-together PDF

With Kontext

One evidence packet, approval chain with timestamps, exported in seconds

“Prove sanctions screening ran before this payment executed”

Without Kontext

Screening vendor log says it ran. Payment ledger says it settled. No proof they’re connected.

With Kontext

OFAC/SDN result timestamped and cryptographically linked to the payment decision record

“An AI agent initiated this payment. Who authorized it?”

Without Kontext

Application logs show the agent ran. No record of delegation authority, policy bounds, or human approval.

With Kontext

Agent ID, instruction reference, policy version, approval chain, and enforcement mode — all in one record

Command Center

What your compliance team sees for every payment

One view across stablecoins, ACH, wire, card, and more, including payments initiated by humans, workflows, APIs, and AI agents.

Compliance Command Center

AmountRailInitiatorFunding SourceTime

$5,200USDC

Stablecoin · Base

payment-agent-v1

Circle Wallet2m ago

$28,000USD

ACH

J. Martinez

Treasury Account8m ago

€4,150EURC

Stablecoin · Ethereum

settlement-v3

Circle Wallet15m ago

$3,400USD

Wire

payout-scheduler

Bank Account ··482122m ago

£890GBP

Card · Stripe

invoice-agent

Stripe Connect31m ago

Sample Artifact

The evidence package for a single payment

Capture initiation source, enforcement mode, policy checks, screening results, approval lineage, verification proof, and export controls in one reviewer-ready record.

Download sample packet (PDF)

Payment Decision Packet

Compliant

Payment Summary

Amount

$48,200 USDC

Type

Vendor payout

Corridor

US → EU (Base)

Timestamp

2026-03-21 09:14 UTC

Enforcement

Blocking mode

Initiation Source

Initiator type

AI agent

Agent ID

treasury-rebalancer-v2

Instruction ref

payout batch #A-449

Policy Checks

Counterparty allowedPassed

Threshold exceeded → dual approval requiredTriggered

Daily volume limitWithin limit

Block or escalate outside policy boundsEscalation ready

Sanctions Screening

OFAC/SDN checkClear

SDN v2026.03.21 · Checked at 09:14:02 UTC · 38ms

Decision Outcome

Disposition

Approved after dual review

Fallback

Blocked if approval missing

Policy version

payout-policy@2026.03

Approval Chain

Treasury Ops

09:12 UTC

→

Compliance

09:13 UTC

→

Execution

09:14 UTC

Evidence Integrity

Verification proof

digest #2,341 returned with event

Content hash

sha256:a4f2c8...7e1d3b

Export Controls

Packet types

Examiner, diligence, incident

Redaction mode

First6...last4 masking

SAR / erasure log

Preserved in audit trail

blocking modescreenedpolicy versionproof returnedredaction readyinitiation sourceexportable

Controls + Evidence

Built to prove your BSA/AML and OFAC controls ran

Your compliance team can prove every BSA/AML and OFAC screening check ran, package the record for OCC/FinCEN examination prep, and export evidence an examiner can trust.

Pre-send blocking

Block or escalate non-compliant transfers before funds move. Start in advisory mode, graduate into enforced controls, and hold threshold exceptions for human review.

Sanctions and policy proof

Show exactly which checks ran, when they ran, what list or policy version applied, and whether the payment stayed within bounds.

Approval lineage

Capture who or what approved the action, under which authority, with support for workflow, API, and AI-initiated payment paths.

Tamper-evident integrity

Cryptographic proof that no one altered the record — independently verifiable and portable beyond your internal tooling.

Exportable review packets

Hand your examiner a complete packet — diligence, incident review, or redacted exports — without stitching together screenshots and logs after the fact.

Deployment Modes

Start with visibility, grow into enforcement

Teams can adopt Kontext without replatforming, then move from evidence capture to blocking and approval workflows as controls mature.

Advisory

Capture the decision, explain what happened, and surface issues without interrupting the payment flow.

Blocking

Stop non-compliant payments automatically or route them into an explicit escalation path before execution.

Human review

Hold above-threshold or out-of-policy actions until an approver confirms the task and the evidence packet is complete.

Initiation Sources

One evidence layer across every initiation path

Track the agent, instruction reference, approvals, and controls applied before an autonomous action moved funds.

Who It Serves

Built for teams that carry review and control liability

Compliance comes first, but treasury, audit, and engineering all need the same defensible record.

Compliance

The #1 pattern in recent consent orders — TD Bank ($1.75B), Bank of America, Wells Fargo — is ‘couldn’t produce evidence that controls ran.’ Prove every check ran and export reviewer-ready packets before the examiner asks.

Risk

See when controls trigger, what got blocked or escalated, and where risky payment patterns need attention.

Treasury & Ops

Operate across rails with clear approval requirements, enforcement states, and exception workflows.

Internal Audit

Verify records were not altered, confirm the exact policy version applied, and review governance actions with context.

Platform Engineering

One integration point into existing payment paths, with evidence exported to compliance teams instead of rebuilt from logs.

Reviewer Questions

Built for the questions reviewers actually ask

The site should answer reviewer questions before they turn into diligence fire drills: initiation source, enforcement state, policy version, verifiability, and data governance.

Sponsor bank reviewer

Internal auditor

Enterprise due diligence team

Independent Verification

Proof that travels beyond your internal systems

Cryptographic proof that no one altered the record, not hidden in a back office database

Export files your auditors, counterparties, and regulators can independently verify

Evidence stays portable across processors, ledgers, wallet providers, and workflow systems

Data Governance

Retention, redaction, and erasure without breaking audit integrity

Built for FinCEN SAR preservation and GDPR Article 17 erasure workflows, while preserving the evidence that governance actions happened when they should have.

PII separation

Keep sensitive payment and identity fields separate from the verifiable audit record so governance actions do not corrupt the evidence chain.

Subject access export

Support SAR workflows with structured exports of the data associated with a subject or payment review.

Erasure workflow logging

Log that a governance action occurred while preserving audit integrity and the proof that the request was handled.

Redacted exports

Mask addresses and identifiers for partner diligence, internal distribution, and other non-compliance audiences.

Payment Review Readiness Assessment

Could your team survive a real payment review tomorrow?

Assess one payment flow in 3-8 minutes. Identify the evidence gaps most likely to slow launch, partner diligence, or incident response — and get a concrete remediation plan.

Readiness tier and sub-scores

Likely reviewer blockers

Missing evidence artifacts

30/60/90-day remediation plan

No document upload required. Initial results are shown immediately.

Best for stablecoin infra, cross-border payouts, embedded finance, treasury automation, and agentic payment systems

Covers human, API, workflow, and AI-agent initiated payment flows

Where Kontext Fits

8 systems. 1 evidence record.

Your Payment Stack

Payment agents and orchestration
Wallet APIs and ledgers
Processors and banking rails
Sanctions and risk vendors
Case management and approval systems

Kontext

Controls + Evidence

Policy evaluation and enforcement modes
Sanctions and decision context capture
Approval and escalation lineage
Verifiable audit proof and exports

Reviewer Outputs

Examiner packets
Partner diligence exports
Incident review files
Redacted evidence bundles

Kontext does not custody or move funds. It evaluates, proves, and exports the controls around the payment decision.

Integrations

Kontext does not replace your monitoring or detection stack. It adds the compliance evidence and verification layer they lack.

Observability3 Screening + Risk4 Case Systems / GRC3 Processors / Ledgers / Wallets5 Workflow + Agent Orchestration3

Low-Friction Adoption

Start without a platform migration

Use one integration point, auto-configuration, and middleware patterns to fit Kontext around existing payment paths before you expand into tighter controls.

Start without a platform migration

Wrap an existing payment call once and begin in advisory mode with local defaults or auto-configuration.

Plug into your current stack

Send evidence into OpenTelemetry, observability tools, screening providers, case systems, and approval workflows.

Promote controls over time

Move from capture-only to blocking and human review once policy thresholds and escalation paths are ready.

Export proof, not raw logs

Give compliance teams reviewer-ready packets while developers keep using SDK, CLI, API, and middleware entry points.

For Developers

One integration for controls, evidence, and exports

Developer implementation comes after the business case: wrap the payment path once, start in advisory mode, then promote flows into blocking and human review.

payment-handler.ts

const ctx = Kontext.auto();

const result = await ctx.verify({
  txHash: transfer.hash,
  chain: "base",
  amount: "28000",
  token: "USDC",
  from: sender,
  to: recipient,
  agentId: "treasury-v2",
  enforcement: "blocking",
  onBlock: "route_to_human_review"
});

What happens automatically

Policy and sanctions checks run

Results are timestamped, versioned, and tied to the payment before execution.

Enforcement mode is recorded

Advisory, blocking, and human review paths remain visible to reviewers later.

Proof is returned with the event

Digest proof and trace context can travel into observability, audit, and diligence workflows.

Export paths stay ready

Examiner, incident, diligence, and redacted exports are available without rebuilding the trail.

Developer Integration

SDK, CLI, API, and middleware entry points

Developers can implement with the SDK, CLI, direct API calls, or middleware while compliance teams stay focused on the evidence outcome.

$WHAT IS KONTEXT

Compliance evidence SDK for programmable payments. One call — verify() — captures intent, runs OFAC screening, logs the payment into a tamper-evident digest chain, and returns a structured compliance result. Works across stablecoins, ACH, wire, card, and SEPA rails.

$INTEGRATE IN 3 STEPS

1. npm install kontext-sdk
2. Kontext.init({ projectId: '...', environment: '...' })
3. await ctx.verify({ txHash, rail, amount, currency, from, to, initiator })

$STABLECOIN PAYMENT

stablecoin-transfer.ts

const result = await ctx.verify({
  txHash: '0xabc...def',
  rail: 'stablecoin',
  chain: 'base',
  amount: '28000',
  currency: 'USDC',
  from: '0xTreasury',
  to: '0xVendor',
  initiator: { id: 'treasury-agent', type: 'agent' },
  fundingSource: 'Circle Wallet',
});

$ACH / WIRE / CARD PAYMENT

fiat-transfer.ts

const result = await ctx.verify({
  txRef: 'ACH-2026-03-19-0042',
  rail: 'ach',
  amount: '15000',
  currency: 'USD',
  from: { account: '****4521', institution: 'Chase' },
  to: { account: '****7890', institution: 'Wells Fargo' },
  initiator: { id: 'j.martinez', type: 'human' },
  fundingSource: 'Treasury Account',
});

$SUPPORTED RAILS

StablecoinACHWireCardSEPA

$SUPPORTED CHAINS (Stablecoin)

basearcethereumpolygonarbitrumoptimismavalanchesolana

$SUPPORTED CURRENCIES

USDEURGBPSGDINRAEDUSDCUSDTEURC

$INITIATOR TYPES

agent — autonomous AI systems, bots, service accounts
human — staff, treasury operators, approvers
system — scheduled jobs, reconciliation, settlement engines

Pricing

Controls maturity aligned to your operating stage

Choose sponsor bank diligence readiness, live examination controls, or enterprise audit depth. Your compliance team picks the tier that matches their review obligations.

Starter

Pass your first partner review

Advisory mode
Standard evidence retention
JSON + CSV exports
Human / API / workflow initiation tracking

View pricing

Growth

Survive an examiner call

Blocking and escalation
Examiner packet export
Approval workflows
OpenTelemetry and integrations

View pricing

Enterprise

Prove it to anyone

Partner diligence exports
Third-party verification
GDPR / SAR support
GRC and case system integration

View pricing

Explain every payment decision before reviewers ask.

Your compliance team can prove every control ran across programmable and AI-influenced payment flows \u2014 without rebuilding the rest of the stack.

See a sample case packet Run a readiness assessment