amlr.io vs Sumsub
Sumsub is amazing for KYC. It does not solve high-risk KYB. Here is exactly where the line falls, and what it costs you.
amlr.io saves you money by cutting compliance staff costs and compliance tool costs — it runs the whole compliance department of a crypto company, not one step of it.
Sumsub is amazing for KYC. It does not work for high-risk KYB. Registry data stops where your counterparties start. Offshore companies do not resolve through a lookup. Sumsub fetches the official registers, but most of your clients are deep in offshore layering — so it will not solve that problem for you.
Metered screening is the hidden bill. Our pricing is flat and based on the number of entities in your portfolio, not the number of screenings — so nobody has to ration how often you screen.
Verification is one step; the obligation runs all year. Collection, collaboration, approval, review and the evidence an auditor asks for are the actual work — and they are what amlr.io carries.
| amlr.io | Sumsub | |
|---|---|---|
| What it is | A compliance operations system: KYB case files plus registers, reviews, calendar, reporting and audit | A verification platform: identity, business and document verification with orchestration and case management |
| Company registry data | Documents-first: evidence comes from the counterparty and is verified by a named analyst — which is the only method that works where registers are thin, stale or absent | Yes, a large corporate-records estate. Excellent where the register is good and current |
| Document collection | One branded magic link. The counterparty uploads their own documents and declares ownership; the case file assembles itself from their answers | Hosted verification flow |
| Document pre-analysis | Every corporate document is read on arrival — fields extracted, and cross-checked against what was declared, with discrepancies flagged. The analyst opens a file that is already worked, not a pile of PDFs. The review decision stays theirs | Extraction and checks on verification documents |
| Chasing the counterparty | A chase queue runs on your cadence — idle days, repeat interval and a cap per link. The reminder is written and emailed for you; past the cap the item is flagged for a phone call | Reminders available |
| Collection funnel | Shows where every request stalls: which step, how long it has sat, and which document goes missing most often across your whole book | Conversion reporting on verification flows |
| Identity verification | Document check with machine-readable-zone validation, ICAO check digits, expiry and name cross-match — read in the browser, image never leaves the device | Full IDV including liveness and biometric face match |
| UBO discovery | Counterparty declares the structure; corporate owners must declare their own owners until the chain reaches humans, enforced as an approval blocker | Registry-driven with UBO identification and verification in the same flow |
| Sanctions & PEP screening | Included on every plan. Whole book re-screened daily, official sources, adjudicated false positives never resurface | Included in their AML tier, with ongoing monitoring and re-screening |
| Adverse media | Included, AI-assisted with cited sources; a named human records the verdict and no AI output is ever a disposition | Available as part of their AML screening |
| AML registers (SAR, training, PEP, conflicts, wallet/geo, vendor…) | Yes — 14 purpose-built registers with owners, deadlines, sign-off and attestations. Core of the product | Not their focus; see their documentation |
| Board / senior approval workflow | Yes, triggered by confirmed PEP, confirmed sanctions match, or analyst escalation. Recorded in a register with validity period | Not their focus; see their documentation |
| Compliance calendar, dashboard, board pack | Yes | Not their focus; see their documentation |
| Periodic review scheduler | Yes, risk-driven cycles that roll forward on completion | Periodic and event-based re-checks on verification |
| Regulator pack | One click: signed zip with per-file SHA-256 manifest | Exports available; not packaged as a regulator bundle |
| Audit trail | Hash-chained, append-only, every action attributed with actor and UTC timestamp | Full audit logging |
| API & webhooks | On request for integration projects | Yes, mature public API |
| Pricing | From €999/month, unlimited users, no per-check fees | Per-verification, typically quoted per check by tier and volume |
| Deployment | Isolated single-tenant instance, off the public internet behind your VPN / IP allowlist | Shared multi-tenant SaaS |
| Support | Founder-led, direct line, from someone who has run compliance desks | Support organisation with 24/7 coverage |
Run them side by side.
Bring one real high-risk file through your current flow and through ours, and compare what you can hand an auditor at the end.