Know Your Transaction (KYT)

KYT evaluates individual transactions and patternsfor AML/fraud risk using rules, machine-learning models, and contextual enrichments. Signals include counterparties, geographies, amounts, velocity, beneficiary risk, device/IP intel, and links to prior alerts.KYT complements KYC by focusing on the behavior of funds after onboarding, enabling timely interdiction and meaningful SAR narratives. Programs should combine real-time blocking with post-event analytics, tune scenarios against typologies, and measure precision/recall and alert aging. For crypto/VASP contexts, KYT adds on-chain heuristics (mixers, darknet exposure) and Travel Rule compliance. Strong KYT integrates with case management, graph analytics, and remediation workflows to close the loop from alert to outcome.