At a Glance:
Marble is an open-source transaction monitoring and AML compliance platform providing real-time screening, AI-assisted case investigation, and customer monitoring, deployable as a self-hosted or SaaS solution.
Overview:
Marble is an open-source financial crime compliance platform offering transaction monitoring, AML screening, and AI-powered case investigation. It is designed to help financial institutions detect suspicious activities by screening customers, companies, and payments against global sanctions and PEP lists in real time or through scheduled checks. The platform integrates with existing internal systems such as transaction databases, KYC solutions, and third-party data providers through its open architecture. Marble is already used by over 100 fintechs, banks, and crypto exchanges across more than 15 countries. It does not provide its own KYC services but connects with existing KYC providers.
Key Decision Points:
Deployment flexibility: Offers both a free self-hosted open-source option and a licensed version with enterprise features that can be deployed self-hosted or as SaaS.
Data privacy model: The self-hosted option ensures data never leaves the user's infrastructure, while a SaaS deployment is also available for licensed users.
Integration architecture: Designed with an open architecture allowing connection to internal transaction databases, KYC solutions, and third-party data providers, with direct database access for BI tools.
Target compliance scope: Focuses on transaction monitoring, AML screening, case investigation, and continuous monitoring, but does not include KYC services.
Enterprise governance capabilities: Licensed version includes role-based access control, SSO with Open ID Connect, IP whitelisting, and SOC 2 Type II certification.
Core Features:
Real-time transaction monitoring: Detects suspicious transactions in real time or post-trade using a custom data model that mirrors the user's data warehouse and integrates with core banking systems.
Sanctions and PEP screening: Screens customers, companies, and payments against sanctions, PEP, and adverse media lists that are updated multiple times daily, with real-time or scheduled execution.
Continuous monitoring: Automatically checks existing customers against updated watchlists without requiring additional manual workload.
AI-assisted investigation suite: Provides a unified case manager for exploring, annotating, and acting on alerts, with AI used to streamline rule building, detection program optimization, and manual investigation tasks.
Audit trail: Maintains searchable and unalterable audit logs covering detection program changes, workflows, and case actions.
Embedded reporting and BI access: Includes built-in analytics for monitoring detection program performance and investigation workflows, with direct database access available for external BI tools.
Use Cases:
Fintechs and banks needing a customizable transaction monitoring system that can connect to their existing core banking infrastructure and internal data warehouses.
Crypto exchanges requiring real-time AML screening and continuous customer monitoring against global sanctions and PEP lists.
Compliance teams looking to unify alert investigation into a single case management interface with AI-assisted workflow automation.
Organizations with strict data residency requirements that must deploy a compliance platform entirely within their own infrastructure using the self-hosted option.
Open-Source Alternative Value:
Marble provides an open-source core that users can self-host, keeping all transaction and screening data within their own infrastructure without relying on external processing. The open architecture allows direct integration with existing internal databases, KYC providers, and BI tools rather than requiring data to be exported to a closed system. A free self-hosted option is available alongside a licensed version with enterprise governance features. Marble is described as an alternative to ComplyAdvantage, Actimize, and Fiserv for transaction monitoring and AML screening workflows. The platform does not bundle its own KYC service, relying instead on integration with existing KYC providers.
