As the digital payment ecosystem matures, regulators and businesses alike are realizing that KYC is just the starting point. In today’s dynamic financial landscape, fraud and illicit activities evolve rapidly—demanding real-time transaction monitoring (RTM) as a compliance and risk control necessity.
Why KYC Is Not Enough
- Identity can be verified once—but behavior evolves.
- Frequent transfers to multiple new addresses may indicate money laundering.
- Wallets interacting with flagged addresses often bypass basic checks.
- Unusual login behavior across geographies can be a red flag.
Key Components of Real-Time Monitoring:
- Rule-based + AI anomaly detection
- Blockchain address risk scoring
- Geo-behavior tracking
- Auto-freeze mechanisms for suspicious flows
Platforms like DogPay, backed by regulatory licenses (MSB in the US, TCSP in HK), combine KYC with real-time analytics to offer secure and compliant cross-border crypto payment experiences—especially for high-frequency stablecoin settlements.
