Bank Readiness

Pass partner diligence with real evidence, not screenshots

Sponsor banks and enterprise partners ask hard questions about your payment controls. Kontext gives you examiner-ready answers backed by cryptographic proof.

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Partner Diligence

What sponsor banks and partners usually ask

Every question maps to evidence Kontext captures automatically.

Who approved this payment?

Full approval chain with timestamps, authority level, and policy reference for every payment decision.

What checks ran before funds moved?

OFAC/SDN screening results, EDD threshold checks, and counterparty verification — all with proof they ran before execution.

Can you prove this record hasn't been modified?

Tamper-evident digest chain where every record is cryptographically linked. Any modification breaks the chain.

Which policy version was in force?

Exact policy rules evaluated at decision time — threshold values, approval requirements, screening configurations.

Can you export the evidence?

Structured case packets in JSON, CSV, or examiner-ready format with payment summary, policy checks, and integrity markers.

How do you handle sanctions screening?

Built-in OFAC SDN screening with timestamped results, list version tracking, and pluggable provider support for Chainalysis and OpenSanctions.

Who or what initiated this payment?

Initiation source tracking — whether human, workflow, API, or AI agent — with agent identity, instruction reference, and approval requirements.

Evidence Output

A sample diligence packet for a single payment

Every payment decision produces a structured evidence record with policy checks, screening results, and cryptographic proof.

Payment Decision Packet
Compliant
Payment Summary

Amount

$48,200 USDC

Type

Vendor payout

Corridor

US → EU (Base)

Timestamp

2026-03-21 09:14 UTC

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
Sanctions Screening
OFAC/SDN checkClear

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

Approval Chain

Treasury Ops

09:12 UTC

Compliance

09:13 UTC

Execution

09:14 UTC

Evidence Integrity

Digest chain position

#2,341 — chain verified

Content hash

sha256:a4f2c8...7e1d3b

immutable logpolicy versionscreenedinitiation sourceexportable
Common Gaps

Where most payment startups fall short

  • No tamper-evident proof that compliance checks ran before payment execution
  • Audit trails reconstructed after the fact from application logs
  • Screening evidence stored separately from payment records
  • No structured export format — diligence responses built from screenshots
  • Policy versions not captured at decision time, making retroactive review unreliable

When AI agents are part of the payment flow

If software agents can initiate, recommend, or influence payment actions, reviewers often need additional clarity on initiation source, control boundaries, approval requirements, and exception handling. Kontext packages this context into the same evidence workflow used for broader diligence and audit preparation.

Diligence prep before and after Kontext

Before Kontext
  • Weeks of manual evidence collection
  • Screenshots and spreadsheets for reviewers
  • No proof screening happened before execution
  • Inconsistent formats across payment rails
  • Re-do prep every time a partner asks
With Kontext
  • Structured evidence packets generated automatically
  • Examiner-ready exports replace ad hoc collection
  • Cryptographic proof of screening sequence
  • Unified evidence format across all payment rails
  • Diligence responses backed by verifiable evidence
Reviewer Questions

Built for the questions reviewers actually ask

Sponsor bank reviewer

Internal auditor

Enterprise due diligence team

Be ready for your next partner review

See how your payment stack scores against common diligence requirements.

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