Enforce AML policy

When creating an outgoing transfer, Utila indicates if the transaction is sent for screening. For Elliptic, the destination address is screened using Elliptic's Lens Wallet Sync.

If the transfer is denied by the AML policy its status reflects this. You can see the deny AML rule and corresponding alerts. Blocked transfers return a clear warning in both the console and API.

Incoming deposits that are subject to screening and AML policy are either cleared, meaning the funds are available to use, or frozen, meaning the funds are currently marked as tainted and cannot be transferred using Utila.

For Elliptic, incoming deposits are screened using Elliptic's Navigator Analysis Sync (source-of-funds direction).

Each screened incoming deposit is marked as "Allowed" (cleared), "Frozen", or "Resolved". You can filter transactions based on this status.

For frozen transactions, Click View to see what AML rule caused the asset to be frozen and the corresponding alerts from the AML vendor.

Check the reasons for the denial, then click Resolve Funds to make these funds accessible again. The transaction is then subject to admin quorum approval according to your admin quorum settings.

The outstanding frozen balances can be seen on the Wallets or Asset balances page.

If you use Elliptic, each screening result includes a unique ID that links directly back to the Elliptic console, so you can investigate without switching interfaces. The link appears in the AML Screening section in the transaction details panel.