AML compliance for the professions
Due diligence, done.
You became a notary, an estate agent, an accountant — not a compliance officer. Sceau runs your anti-money-laundering programme automatically: onboarding, screening, registers, reviews, evidence. You keep the judgment; the platform does the work and proves it.
30 minutes, your cases, your supervisor's checklist — live on screen. No slideware.
The law treats your office like a bank. Your tooling shouldn't be a binder.
Notaries, estate agents, accountants, lawyers, trust & company service providers, art dealers — under EU anti-money-laundering law, you are an obliged entity with the same core duties as a financial institution: identify clients, verify beneficial owners, screen against sanctions, assess risk, monitor continuously, report suspicion, and prove all of it on inspection day.
Most offices handle this with PDFs, spreadsheets and good intentions — hours of unbillable work that still ends in findings, because the lists changed last night and the binder didn't. And the bar rises on 10 July 2027, when the single EU Anti-Money Laundering Regulation (AMLR) replaces today's national patchwork. Sceau was built for exactly this moment.
The AMLR clock is ticking.
On 10 July 2027 the single EU Anti-Money Laundering Regulation replaces every national regime. Offices that wait will build their compliance twice. Offices on Sceau flip a switch — the cut-over is already built in.
Get ready now — book a demoHow it works
Five stages, one principle: the platform acts, you decide, the ledger remembers.
Onboard
Send the client one link. They identify with itsme® or the EU Digital Identity Wallet, confirm pre-filled register data, declare beneficial owners and source of funds, and upload evidence — in their own language.
Operate
Every night: sanctions lists refresh, every client is rescreened, registers are checked for changes, deadlines advance, your compliance posture is re-verified. No one has to remember anything.
Decide
Whatever needs a human lands in one queue, in plain language, with the evidence attached and an action proposed. Routine items are one click. High-risk items require the AMLCO — four-eyes by design.
Govern
Policies anchored clause-by-clause to the law, staff training with records, a business-wide risk assessment generated from your live portfolio — and when the law changes, the diff arrives for one-click adoption.
Prove
Every action is sealed into a hash-chained evidence ledger. On inspection day, export the complete pack for your supervisor in one click — every decision, every check, every signature, with its legal basis.
See the platform
Real screens, real workflow — this is what your office runs on, the day you start.
One question answered every morning: are we compliant today? Eight live checks, each failure with a Fix button.
Everything needing a human, in one queue, in plain language — evidence attached, action proposed, “Explain this to me” one tap away.
Your client onboards themselves in five minutes, in their own language — identity, UBO, source of funds, documents with instant read-back.
Claimed versus evidenced, computed from the documents themselves — gap in euros, AMLCO sign-off sealed into the ledger.
Inspection day becomes an export: posture, files, decisions, signatures, legal anchors — one click, supervisor-ready.
The nightly sweep, visible: every list refreshed and versioned, every change a trigger, every credential gap a visible task — never a silent failure.
When the law changes, your policy diff is waiting in the morning. Training chases itself; the BWRA writes itself from your live portfolio — you validate.
The product, in detail
Eight modules, one file per client, zero binders.
Regulatory profile engine
Tell it your profession and country; it derives your exact duties: supervisor, FIU, cash limits, UBO register, applicable articles. All 27 member states ship as versioned national rule packs — including the automated cut-over to the AMLR in 2027.
Client onboarding portal
A white-label portal in all 24 EU languages. Identity via itsme®/eIDAS, company data pre-filled from public registers and VIES, UBO declaration, adaptive source-of-funds questions, document upload with instant read-back — five minutes, no paperwork.
Screening that explains itself
UN, EU, OFAC, UK and national sanctions lists plus PEP data, refreshed continuously. Entity-typed matching with transliteration and date-of-birth logic — and every match ships a reproducible comparison table, not a black-box score.
Continuous monitoring
Register changes, bankruptcy publications, list updates, geographic risk (EU high-risk third countries, FATF), review deadlines. Changes become triggers; triggers become queue items; nothing depends on someone remembering.
The decisions queue
Plain-language items with evidence attached and an action proposed. “Explain this to me” gives every clerk an instant briefing. Routine items are one click; high-severity ones are AMLCO-gated. Accountability follows the law, not convenience.
Evidence & enhanced due diligence
Clients and analysts upload documents; the platform reads them (PDF included), extracts amounts and dates deterministically, and reconciles claimed source of funds against the evidence — gap computed, sign-off ledgered.
Governance & training
Policies with legal anchors and one-click law-change adoption, micro-training per profession with attested records, a living business-wide risk assessment. The assurance engine re-checks all of it nightly: “Are we compliant today?”
The inspection pack
One click produces the complete supervisor-ready dossier: posture report, every client file with its full evidence chain, every decision with its legal basis, list versions, training records. Inspection day becomes an export.
Sceau uses AI for what AI is good at: reading documents, summarising case files, explaining alerts in plain language. Every AI output is labelled, non-binding and flagged for human review — scores, decisions and ledger facts come only from versioned, deterministic rules and from people. That is our reading of both good engineering and the EU AI Act.
Built on the public data spine of Europe
A 126-source catalog across all 27 member states — wired, versioned, and honest about access conditions.
Honesty is a feature: where a register requires credentials, a contract or a legal gateway, the platform says so and tracks it as a visible task — no silent gaps, no pretended coverage.
Compliance as an outcome, not a job
In a representative office quarter, the platform executes the overwhelming majority of AML obligations end-to-end — screening, register checks, deadline management, evidence filing — leaving people only the decisions the law actually assigns to them.
Pricing that fits an office, not a bank
Per office, per month. Every tier includes the client portal, screening, the evidence ledger and the inspection pack.
Solo
Single practitioner — one obliged entity, full automation.
- 1 office, up to 2 users
- Client portal in 24 languages
- Nightly screening & monitoring
- Evidence ledger & inspection pack
Office
The standard tier for notarial studies, agencies and firms.
- Up to 10 users, roles & four-eyes
- Everything in Solo
- EDD workspace & document reading
- Assurance engine & one-click fixes
Group
Multi-office groups and networks with central oversight.
- Unlimited users, multi-office
- Everything in Office
- Cross-office compliance dashboard
- Priority support & onboarding
Early-adopter pricing — locked in for as long as you stay.
Questions, answered plainly
What is the AMLR and when does it apply?
The Anti-Money Laundering Regulation (EU) 2024/1624 is the single EU rulebook that replaces national AML laws for obliged entities. It applies from 10 July 2027. Sceau maps every workflow to today's national law and ships an automated, date-gated cut-over to the AMLR articles — you see the diff, you adopt it with one click.
Who is Sceau for?
Non-financial obliged entities: notaries, real-estate agents and developers, accountants and tax advisers, lawyers, trust & company service providers, art-market participants and high-value dealers. If a supervisor can inspect your AML programme, Sceau is built for you.
Does AI make compliance decisions?
No. AI in Sceau reads documents, summarises files and explains alerts — always labelled, always non-binding, always flagged for human review. Risk scores come from versioned deterministic rules; decisions come from your people; high-severity decisions require the AMLCO. The evidence ledger records who decided what, when, on what basis.
Where is our data hosted?
On EU-sovereign infrastructure, in the European Union, under EU jurisdiction — exclusively. Client documents are content-addressed and hash-sealed; every action enters a tamper-evident ledger your supervisor can verify.
What happens at an inspection?
You export the inspection pack: compliance posture with legal anchors, every client file with its complete evidence chain, every decision with its basis and signatory, list versions and training records. What used to be weeks of assembly is one click.
How long does onboarding take?
Your office: about an hour — profession, country, staff, and the platform derives the rest. Your clients: about five minutes each, self-service, in their own language, on any device.
See it run on your own cases
Book a 30-minute demo: we onboard a test client live, trigger a screening hit, and export your first inspection pack — your profession, your country, your supervisor.
Book a demo