Compliance, automated and audit-ready.
Persona and Alloy stop at "did this person pass KYC." Sage chains the KYC session, the OFAC screen, the PEP check, and the adverse-media review into one evidence packet that posts to Bean when the case is approved — so two years later you can still prove why you accepted this counterparty.
KYC Sessions
KYC · session 3f81-0a2c · Reginald Maxwell
- Government IDOnfidopassport · United Kingdommatch
- Liveness selfieOnfido98.4% similaritymatch
- Address proofVeriffutility · 1 mo oldmatch
- OFAC / EU / UNSageno list hitsclear
- PEP screeningSageno political exposureclear
- Adverse mediaSage1 low-confidence articlereview
Four global lists. One verdict. With evidence.
OFAC (US), EU Consolidated, UN, UK HMT — and adverse media in fifteen languages. Hits arrive with full context, the matching record, and a confidence score; reviewers act on cases, not on raw names.
SAGE · /compliance/ofac
Compliance screening
Continuous OFAC, EU Consolidated, and UN Security Council screening. Every disposition is sealed to the audit chain on decide.
Cleared
Sanctions hits
Pending review
Escalated to reviewer
Screening results
| Subject | Entity | Lists matched | Match score | Screened | Decision |
|---|---|---|---|---|---|
| Wayne Enterprises | Business | OFAC · EU · UN | 2.1% | 2m ago | Success |
| Reginald Maxwell | Individual | EU Consolidated | 71.0% | 1h ago | In Review |
| Soylent Corp | Business | OFAC · EU · UN | 4.8% | 3h ago | Success |
| Nakatomi Trading Ltd | Business | OFAC SDN | 88.4% | 5h ago | Blocked |
| Jane Doe | Individual | OFAC · EU · UN | 12.3% | 6h ago | Pending |
| Initech Holdings | Business | UN Security Council | 0.9% | 9h ago | Success |
| Anton Vasiliev | Individual | OFAC SDN · EU | 84.0% | 1d ago | Blocked |
1099-NEC, 1099-K, 1042-S, K-1 — rendered, filed, sealed.
Sage runs your end-of-year tax surface inside the same audit chain as every other entry. W-8BEN and W-9 collection happens during the KYC flow; backup withholding fires automatically on missing W-9; forms are rendered by Basil and posted to Bean.
Year-end tax · FY 2025 · 8 of 247 forms shown
| Form | Recipient | Amount | Withheld | State |
|---|---|---|---|---|
F-0011099-NEC | Reginald Maxwell · UK | $78,400.00 | — | ready · send |
F-0021099-NEC | Forerun Labs · contractor | $48,200.00 | — | ready · send |
F-0031099-NEC | Marsh Bay Trading · 1099-eligible | $14,820.00 | — | no W-9 · hold |
F-0041042-S | Helsinki & Co · FR resident | $92,400.00 | $27,720.00 | 30% withheld |
F-0051099-MISC | Northwood Capital · royalties | $12,250.00 | — | drafted |
F-006K-1 | ACME Holdings LP · partner 04 | $184,920.00 | — | ready · send |
F-007K-1 | Pinnacle Insurance · partner 12 | $71,800.00 | — | drafted |
F-0081099-K | marketplace seller · merchant 218 | $9,840.00 | — | filed · IRS |
Counterparty info exchanged before the chain even sees the transfer.
Crypto transfers over $3,000 to another VASP require Travel Rule data exchange. Sage handles both sides of the exchange via TRP or TRUST, encrypts PII end-to-end between custodians, gates Greenhouse settlement until both sides verify, and seals the exchange packet to Bean.
Travel Rule · ACME → Northwood · 120,400 USDC · TRP v3
- Legal nameACME Holdings, Inc.shared
- Entity / DIDdid:oas:org:acme · 1042-Ashared
- Address228 Greenpoint Ave · Brooklyn NYshared
- Wallet addressgreenhouse:cold/01 · 0x4f1a…be17shared
- KYC referencesage:case_3f81 · approved 2025-09-12E2E enc
- Legal nameNorthwood Capital LLCreceived
- Entity / DIDdid:oas:org:northwood · TRUSTreceived
- Address14 St James Sq · London SW1Y 4LBreceived
- Wallet addressnorthwood:treasury/eu · 0x8f1c…9214verified
- KYC referenceanchorage:case_2c01 · approved 11-04E2E enc
Compliance that proves itself, every time.
Most KYC vendors give you a Pass/Fail. Sage gives you a chain.
| Capability | Persona | Alloy | Onfido | Sage |
|---|---|---|---|---|
| ID verification | ✓ | ✓ | ✓ | ✓ Onfido + Veriff pluggable |
| Liveness selfie | ✓ | ✓ | ✓ | ✓ |
| OFAC + EU + UN + UK HMT | partial | ✓ | — | ✓ |
| PEP screening | ✓ | ✓ | — | ✓ |
| Adverse media (multi-language) | — | ✓ | — | ✓ 15+ languages |
| Evidence packet sealed | — | — | — | ✓ blake3 |
| Posts decision to ledger | — | — | — | ✓ Bean |
| Agent-screenable | — | — | — | ✓ MCP |
Pre-screen every counterparty before money moves.
Chard can call Sage before authorising a wire. If the screening is dirty, the wire is held with a referral; if it's clean, the screening result is sealed alongside the payment intent in the same journal entry.
tool sage.screen.run Run sanctions + PEP + adverse media tool sage.kyc.start Start a KYC session tool sage.case.review Submit reviewer decision (signed) tool sage.evidence.fetch Fetch sealed evidence packet resource cases://sage/open Live caseload
POST /sage/v1/screenings Run a screen against name + DOB + country POST /sage/v1/kyc/sessions Start a KYC session GET /sage/v1/screenings/:id Status + hits + evidence URI POST /sage/v1/cases/:id/review Submit a review decision GET /sage/v1/evidence/:case Fetch sealed packet (PDF + JSON)
Authorization: Bearer arsenal:act_sg… X-Garden-Capability: sage.screen.run · scope=counterparty-onboard X-Garden-Audit-Trail: posted to Bean on approve, refused on hit X-Garden-Reviewer: did:oas:org:acme:compliance@hl
What Sage covers.
- 01Document verification (passport, driver's licence, national ID)
- 02Liveness selfie with vendor-pluggable engines (Onfido, Veriff)
- 03OFAC, EU Consolidated, UN, UK HMT sanctions screening
- 04PEP (politically-exposed person) screening
- 05Adverse media in 15+ languages with named-entity disambiguation
- 06KYB for businesses (UBOs, registry data, sanctions)
- 07Travel Rule (TRP, TRUST) for crypto counterparty exchange
- 08Tax form generation (1099, W-9, K-1) and 1042-S withholding
