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.
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 — SARs, PEPs, training, conflicts, wallet/geo, vendors and more, each 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 |
| 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.