Sweat AI is an AI-native BPO for banks and fintechs. We work your KYB queue 24/7, to your policy. You keep the final decision.
Fictional example · Kestrel Freight Ltd
The recommendation comes first.
Sweat AI recommends
Pause pending documents
Confirm current ownership and complete the outstanding identity and address checks before deciding.
Next: Reviewer approval. The request is still a draft.
Ownership evidence is eleven months oldRequest Northgate's current shareholder record.ApplicantInspect evidence
Simulated annual filing · Ownership
Daniel Okafor: 520 ordinary shares of 1,000 issued.
Northgate holds 60% of Kestrel. Daniel's 52% holding in Northgate gives him a 31.2% indirect interest. The old filing cannot establish that it is still current.
Read the full finding and its limitsA beneficial owner's identity check is outstandingComplete Daniel Okafor's check through your IDV flow.ApplicantInspect evidence
Simulated review · Identity gap
The ownership chain identifies Daniel Okafor, but his identity verification is still needed. Finding a name in a filing does not complete that check.
Inspect the request and acceptance criteriaThe trading address differs from the registered officeObtain current proof for the trading address.ApplicantInspect evidence
Simulated applicant website · Address
Visit us: Bay 12, Northfield Logistics Park.
The website supports what the applicant says. It does not independently establish the address. The request asks for proof in Kestrel's name.
Open the address findingExpected outbound activity is missingAsk for monthly volume and destination countries.ApplicantInspect evidence
Simulated application · Activity gap
The application has no expected monthly volume or destination countries. The written answer sets the expected activity profile for subsequent review.
Inspect the consolidated requestEntity details match the registry. The ownership chain identifies an indirect beneficial owner.
This example uses fictional records from our published sample.
Keep the case moving
One request covers the remaining gaps. Each item explains what evidence is needed and what it would resolve. You review it before it is sent through the agreed channel.
When the applicant replies, we check the new evidence against each open requirement. Your team sees what closed, what remains unresolved and who acts next. Saving a draft, sending a request and recording a decision are separate actions with separate records.
Your procedure, turned into checks
Start with your written SOP in its existing format. Each check stays linked to the sentence it came from, including the evidence requirement and decision owner.
Where the procedure is vague, we ask. A phrase such as "a small number of counterparties" needs your interpretation before it becomes a threshold.
Improve the whole Playbook
A proposed change creates a candidate version of the complete Playbook. Compare versions on the same agreed cases and review criteria. Inspect changed outcomes and regressions before approving a release.
Keep the case evidence beside the comparison, and retain the version used for each review. An individual rule edit does not establish that it caused an improvement.
Keep the work current
Agree which official policy sources and applicants to monitor, how often to check them and who reviews changes. New evidence returns as work for the responsible reviewer.
Policy updates need approval. Applicant changes need assessment. Monitoring keeps those questions visible and links them to their sources.
Inspect the work with Sweat
Ask what supports a finding or where a requirement comes from. Open the relevant case, evidence or Playbook section from the conversation. You can inspect the source without piecing it together across tabs.
For stablecoin-funded businesses, bring wallet addresses and transaction records to the walkthrough. We will agree the source-of-funds coverage and checks relevant to your queue. Read more about stablecoin and crypto onboarding.
Start with cases your team knows
Under a mutual NDA, walk through a few cases with your reviewers. Bring your SOP and examples of what a good decision packet looks like. We will discuss monthly volume, source access and coverage, then send a statement of work with a defined scope and timeline, including pricing.
The team behind Sweat AI comes from Stripe, J.P. Morgan and Jefferies. Sweat AI is backed by Alliance.
Questions
Is this a service or another tool for our analysts?
Sweat AI is a managed service. We work the agreed review queue using AI and analysts, with a workspace for your team to inspect findings, review exceptions and record decisions.
Does Sweat AI approve applicants or change our policy?
Your team retains the final decision and regulated approvals. Policy changes need your approval before release. A proposed rule or a favorable evaluation does not activate a new policy.
Can we keep our identity and screening providers?
We scope the work around your existing systems and available source access. During the walkthrough, we agree which records Sweat AI can read and which actions it may take.
Can Sweat AI contact the applicant?
We prepare one request tied to the open gaps. Sending requires your approval and an agreed channel. A saved draft is shown as saved, not sent; sent requests and replies have their own records.
What can be monitored after a review?
Agree official policy sources and applicants in scope, the review cadence and who handles changes. A monitoring finding returns as review work with its evidence. It does not silently change a policy or clear an applicant.
How is the service priced?
Scope, application volume, case mix and coverage determine the engagement. We review those with you before setting pricing.
How do we start?
Book a walkthrough. Under a mutual NDA, we review a few cases with your team and discuss your SOP, monthly volume and source access. We then send a statement of work with a defined scope and timeline, including pricing.
Sources
- Sweat AI: fictional annotated KYB review, accessed 2026-10-25
- Sweat AI Terms of Service, accessed 2026-10-25