> Real-time transaction monitoring, money mule detection and sanctions screening for fintechs that need to scale without scaling risk. url: https://www.safefy.com.br/industries/fintech formato: markdown gerado do HTML publicado, sem apresentação versao_html: https://www.safefy.com.br/industries/fintech --- For fintechs # Transaction monitoring at the speed of instant payments Real-time AML monitoring, money mule detection and sanctions screening in one platform, with the reason behind every alert. Built on the engine proven in production with licensed operators in Brazil's regulated betting market. [Talk to an expert](#contato)[See the regulation](#regulacao) ## When money moves instantly, so does risk. Instant rails, instant losses A transfer settles in seconds. A check that runs at the end of the day sees the money only after it is gone. Accounts for rent Mule networks recruit real customers to receive and pass on stolen or dirty money. One by one, the accounts look normal. Growth outpaces review Every new product and every new market adds alerts. Without ranking and context, the compliance team becomes the bottleneck. [STOP MONEY MULES ### Accounts that only pass money on Many unrelated senders, funds out within minutes, activity far from the declared profile. Money mule detection reads the flow across accounts, not one transfer at a time. Transaction Monitoring](https://www.safefy.com.br/platform/transaction-monitoring)[BLOCK ACCOUNT TAKEOVER ### The right password, the wrong person A new device, a changed email and a large transfer to a new payee in the same session. Behavioral signals separate the real customer from whoever took the account. Fraud Prevention](https://www.safefy.com.br/platform/fraud-prevention)[SCREEN EVERY CUSTOMER ### Know who you onboard, and who they pay Sanctions, PEP and adverse media checks at onboarding and over time, with KYB for business accounts. Each match comes with the evidence, not just a name hit. Screening & Due Diligence](https://www.safefy.com.br/platform/screening) ## The AI shows why. You make the call. Every alert arrives with the signals behind it, in plain language. Your analyst decides, and the platform records who decided, when and on what grounds, ready for an audit. [Explainable AI & Cases](https://www.safefy.com.br/platform/explainable-ai) Regulation ## Regulation, market by market Each market sets its own AML, KYC and reporting duties. See what applies where you operate. Since Provisional Measure (MP) No. 1,394 of September 25, 2026, fixed-odds betting is banned in Brazil and banks must block payments to bet operators; Congress has yet to vote on it. Pix and digital accounts remain under BCB anti-money laundering and fraud rules. - Lei nº 9.613/1998 COAF Obliged sectors, such as banks, payment firms, betting and luxury-goods sellers, must identify clients, keep records and report suspicious transactions to COAF. [Official source](https://www.planalto.gov.br/ccivil_03/leis/l9613.htm) - Medida Provisória nº 1.394/2026 SPA/MF · BCB Bans fixed-odds betting and revokes existing licenses; banks and payment institutions may not process or settle transactions meant for such bets. [Official source](https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/mpv/mpv1394.htm) - Lei nº 14.790/2023 BCB · SPA/MF Arts. 21-A and 24-A to 24-C, added by Lei nº 15.358/2026 Financial and payment institutions must block accounts of unlicensed bet operators, share fraud signals, apply enhanced due diligence and report to COAF. [Official source](https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/lei/l14790.htm) - Circular BCB nº 3.978/2020 BCB BCB-authorized institutions must run a risk-based AML/CFT policy: internal risk assessment, know-your-customer, monitoring and reports to COAF. [Official source](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Circular&numero=3978) - Resolução BCB nº 1/2020 (Regulamento do Pix) BCB The payee's institution must hold incoming Pix funds for up to 72 hours when fraud is suspected; confirmed fraud is returned through the Special Return Mechanism (MED). [Official source](https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20BCB&numero=1) - Lei nº 13.709/2018 (LGPD) ANPD Any personal data processing, including for fraud prevention, needs a legal basis, security measures and respect for data subject rights, overseen by ANPD. [Official source](https://www.planalto.gov.br/ccivil_03/_ato2015-2018/2018/lei/l13709.htm) Gaming still rests on a 1947 law and SEGOB permits, while the 2025 reform of the anti-money laundering law tightened duties for vulnerable activities such as betting, with beneficial ownership and automated monitoring. - Ley para Regular las Instituciones de Tecnología Financiera (Ley Fintech) CNBV Fintech institutions need CNBV authorization and must document risk-based measures to prevent and detect money laundering and terrorist financing. [Official source](https://dof.gob.mx/nota_detalle.php?codigo=5515623&fecha=09/03/2018) Colombia treats online gaming as a state monopoly granted by Coljuegos, and each sector answers to its own anti-money laundering system: SARLAFT in finance, SIPLAFT in gaming and SAGRILAFT in companies. - Circular Básica Jurídica (C.E. 029 de 2014), Parte I, Título IV, Capítulo IV (SARLAFT) SFC Supervised financial entities must run SARLAFT: risk-based customer due diligence, transaction monitoring and suspicious transaction reports to the UIAF. [Official source](https://www.superfinanciera.gov.co/publicaciones/10083444/normativanormativa-generalcircular-basica-juridica-ce-parte-i-instrucciones-generales-aplicables-a-las-entidades-vigiladas-10083444/) - Ley 526 de 1999 UIAF Creates the UIAF, the financial intelligence unit that receives the suspicious transaction reports obliged sectors must file and analyzes ML/TF. [Official source](http://www.secretariasenado.gov.co/senado/basedoc/ley_0526_1999.html) Peru regulates remote gaming and sports betting under MINCETUR authorization since 2024, and since October 2025 operators follow a specific anti-money laundering rule from the SBS. - Ley N° 27693 UIF-Perú Creates UIF-Perú and lists the obliged subjects, which must keep a prevention system, record transactions and report suspicious ones to the UIF. [Official source](https://www.smv.gob.pe/uploads/LEY%2027693_Ley%20que%20crea%20la%20UIF_PERU.pdf) - Resolución SBS N° 2660-2015 (Reglamento de Gestión de Riesgos de LA/FT) SBS Banks and other SBS-supervised firms must manage ML/TF risk with a compliance officer, risk-based know-your-customer, monitoring and reporting. [Official source](https://contralaft.gob.pe/Portals/0/Normas/SO%20del%20sector%20financiero/Resolucio%CC%81n%20SBS%20N%C2%BA%202660-2015%20%E2%80%93%20Aprueba%20Reglamento%20de%20Gestio%CC%81n%20de%20Riesgos%20de%20LA.FT.pdf) Chile has no licensing regime for online betting yet: the bill to regulate it is still in the Senate. Anti-money laundering and payment fraud duties fall on banks, card issuers and fintechs. - Ley N° 19.913 UAF Banks, card issuers, casinos, car dealers and jewelers, among others, must report suspicious transactions to the UAF, the financial analysis unit. [Official source](https://www.bcn.cl/leychile/navegar?idNorma=219119) - Ley N° 21.521 (Ley Fintec) CMF Tech-based financial services, such as crowdfunding, crypto-asset services and open finance, must register with the CMF and follow AML principles. [Official source](https://www.bcn.cl/leychile/navegar?idNorma=1187323) - Ley N° 20.009 CMF Amended by Ley N° 21.234 Card and electronic payment issuers must monitor for unusual transactions, manage fraud alerts and refund reported fraud within the legal thresholds. [Official source](https://www.bcn.cl/leychile/navegar?idNorma=236736) Argentina has no national online gaming law: each jurisdiction licenses it, as LOTBA does in Buenos Aires City and IPLyC in Buenos Aires Province, while the UIF sets anti-money laundering duties nationwide. - Ley N° 25.246 UIF Obliged subjects, such as banks, payment and virtual asset providers and gambling operators, must know their clients and report suspicious transactions to the UIF. [Official source](https://servicios.infoleg.gob.ar/infolegInternet/anexos/60000-64999/62977/texact.htm) The EU is moving to a single anti-money laundering rulebook that applies from July 2027, overseen by a new authority (AMLA), while gambling licensing stays national, as in Malta and Great Britain. - Regulation (EU) 2024/1624 (AMLR) EU From July 10, 2027, obliged entities, including banks, payment firms, gambling providers and high-value goods traders, follow single EU due diligence rules. [Official source](https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng) - Directive (EU) 2024/1640 (AMLD6) EU Member States must set up national supervision, FIUs and beneficial ownership registers, and sanction obliged entities, mostly by July 10, 2027. [Official source](https://eur-lex.europa.eu/eli/dir/2024/1640/oj/eng) - Regulation (EU) 2024/1620 (AMLA) AMLA Creates AMLA, which coordinates national supervisors and will directly supervise selected cross-border financial entities with high ML/TF risk. [Official source](https://eur-lex.europa.eu/eli/reg/2024/1620/oj/eng) - Directive (EU) 2015/2366 (PSD2) EU · EBA With Delegated Regulation (EU) 2018/389 (SCA) Payment service providers must apply strong customer authentication for online account access and electronic payments, dynamically linked to amount and payee. [Official source](https://eur-lex.europa.eu/eli/dir/2015/2366/oj/eng) [See every rule, market by market](https://www.safefy.com.br/regulation) Proof ## Forged in Brazil's regulated iGaming market The engine behind this platform was proven in production with licensed operators in Brazil's regulated betting market, a sector where money moves in minutes and fraud comes organized. The same engine is now available to fintechs. - Real-time monitoring of every deposit and withdrawal, proven at licensed operators - Detection of bots, bonus abuse and colluding accounts, the same network logic behind mule rings - Two awards at CGS-Recife 2025: Technological Advancement in Digital Security and Rising Star · AML Innovation [See iGaming Brazil (in Portuguese)](https://www.safefy.com.br/pt/industrias/igaming/brasil)  ### Technological Advancement in Digital Security Where and when CGS-Recife · 2025  ### Rising Star · AML Innovation Where and when CGS-Recife · 2025 Fintechs · Questions ## What buyers ask. What is transaction monitoring for fintechs? Transaction monitoring is the continuous review of every payment for signs of money laundering, fraud or sanctions risk. For a fintech it has to run in real time, because instant payments leave no window to act later. Safefy combines rules and AI models and explains every alert it raises. How does money mule detection work? Money mule detection looks at the flow, not the single transfer: many unrelated senders, funds that leave within minutes, activity that does not match the customer's profile. Safefy links these signals across accounts and shows the analyst why an account looks like a mule. Does Safefy cover KYC/KYB and sanctions screening? The screening module checks customers and business accounts against sanctions lists, PEP lists and adverse media, at onboarding and over time. Each match comes with the evidence, so the analyst can confirm or dismiss it with a recorded reason. Can Safefy detect account takeover in real time? That is what the platform is built for. Account takeover shows up as a change in behavior: a new device, a changed contact detail, a large transfer to a new payee. The platform reads these signals as the session happens and can hold the payment before it leaves. How do we start with Safefy's AML compliance platform for fintechs? With a 30-minute conversation about your flows and the risk that hurts most today. The platform connects through an API, starts from the data you already have and runs on the same engine proven in production in iGaming. Rules and thresholds are set for each market you operate in. In English, Portuguese or Spanish ## Bring us your hardest AML case. Thirty minutes with our team on your volume, your market and the mule, fraud and laundering patterns you are chasing. Option 1 ### Pick a time now. Straight into our calendar, with instant confirmation. - 30 minutes, no commitment - Video call with someone who knows the subject - Instant confirmation by email [See available times](https://calendly.com/eduardo-safefy/safefy-meetings) [Open in a new tab](https://calendly.com/eduardo-safefy/safefy-meetings) ### Prefer email? Write to us and a specialist will reply. [atendimento@safefy.com.br](mailto:atendimento@safefy.com.br) We speak English, Portuguese and Spanish. Option 2 ### Prefer that we reach out? Leave your details and we will get back to you. Received. Thank you! Our team will get back to you. To speed things up, write to [atendimento@safefy.com.br](mailto:atendimento@safefy.com.br).