XZiel

Audit-ready KYT

Everything you need for audit-ready KYT.

• Unified Case Management

  Manage fiat and crypto risk in a single, high-fidelity environment.

• Decision-Ready Audit Trails

  Capture rationale, source attribution, and timestamps automatically.

• Real-time alert triage

  Surface high-confidence risk signals at the point of transaction.

• Multi-Asset Coverage

  Integrated monitoring for Bitcoin, Ethereum, Tron, and stablecoins.

• Actionable Compliance

  Deploy automated escalation to meet intensifying MiCA scrutiny.

• Rapid Activation

  Go live in days with your existing TRM API key.

Why it is different

Fiat monitoring, crypto intelligence, sanctions screening, and investigations — one operational environment, one platform, one unified risk profile per customer.

• Investigations end in a decision record, not a message chain.
• Rule changes ship with history, review, and rollback.
• Screening provenance is queryable — the source list at the time of decision is recorded.

FAQ

Frequently asked questions.

1. What is XZiel?

   XZiel is a transaction risk, screening, and investigation platform for regulated financial operations. A deterministic rule engine, sanctions/PEP/adverse-media screening with source-list provenance, alert-to-disposition case workflow, and audit-ready decision records — for both fiat and crypto activity in one operational surface.

2. Does XZiel cover crypto, fiat, or both?

   Both. XZiel handles fiat and crypto transaction monitoring in the same workflow. TRM Labs blockchain intelligence is integrated directly so on-chain risk signals appear alongside fiat-rail risk signals — operators do not switch between systems to investigate a single case.

3. How does the TRM Labs partnership work?

   On 24 February 2026 Finray Technologies announced a strategic partnership with TRM Labs. TRM's blockchain intelligence is embedded into XZiel for alert triage, escalation, case management, and risk assessment across crypto and fiat transactions. Every chain TRM Labs monitors is available to XZiel operators in the same case workflow that handles fiat-rail risk — there is no separate console.

4. Which regulatory regimes does XZiel address?

   XZiel is built MiCA-first for Crypto-Asset Service Providers — Title V controls (KYC/CDD, sanctions, transaction monitoring, Travel Rule, market-abuse surveillance) — and is equally aligned with FINMA-supervised banks and Art. 1b FinTech firms in Switzerland, EU/EEA payment + e-money institutions under PSD2, UK FCA-authorised firms, and Canadian RPAA-regulated PSPs and FINTRAC-registered MSBs. The institution remains the regulated entity; XZiel operates within its perimeter.

5. Are XZiel's rules deterministic or ML-based?

   XZiel's primary decisioning surface is a deterministic rule engine — rule changes ship with history, review, and rollback, and every fire is reproducible from its inputs alone. XZiel ML, where used (adaptive risk scoring, alert triage), is supplied as a pre-trained baseline that institutions can additionally train on their own data; every ML signal is paired with the contributing features so an examiner can reconstruct what fired and why. Human-in-the-loop review on every escalation keeps an analyst — not the model — accountable for the final disposition.

6. What screening lists does XZiel cover?

   Sanctions, politically exposed persons (PEP), and adverse media — with source-list provenance recorded at the moment of each screening match. The list version that drove a decision can be retrieved later for examiner review or appeal handling.

7. How are alerts triaged and closed?

   Each alert moves through assignment, review, decision, and close. Every transition is written once. Cases close with a structured decision record — not a message chain. The disposition trail is the audit trail.

8. What does the integration surface look like?

   XZiel exposes a typed JSON-over-HTTPS API for case ingestion, screening submissions, rule management, and the immutable event stream — plus webhook subscriptions for downstream consumers (case management, ticketing, BI). The full API reference (endpoint catalogue, schemas, rate limits, integration playbook) is issued under briefing scope alongside test-environment access and a direct line to Finray engineering.

9. Is Finray a CASP, bank, or PI?

   No. Finray Technologies Ltd is a software company. XZiel operates inside the customer's regulatory perimeter — the licensed CASP, FINMA-supervised institution, PI/EMI, or FINTRAC-registered MSB remains responsible for the regulated activity itself.