Sage· People
Compliance, automated and audit-ready.
Persona and Alloy stop at "did this person pass KYC." Sage chains the KYC session, the OFAC screen, the PEP check, and the adverse-media review into one evidence packet that posts to Bean when the case is approved — so two years later you can still prove why you accepted this counterparty.
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AACME Holdings
KYC Sessions
Updated Apr 29 at 14:02
SAGE · /compliance/kyc-sessions
KYC · session 3f81-0a2c · Reginald Maxwell
RM
SUBJECTReginald MaxwellDOB · 1982-03-14 · UK
CASE3f81-0a2copened 4 min ago
ROUTEUK individual · standardSLA · 24h
- Government IDOnfidopassport · United Kingdommatch
- Liveness selfieOnfido98.4% similaritymatch
- Address proofVeriffutility · 1 mo oldmatch
- OFAC / EU / UNSageno list hitsclear
- PEP screeningSageno political exposureclear
- Adverse mediaSage1 low-confidence articlereview
evidence pack · 11 docs · sealed blake3:7a91…posts to Bean on approval · vine event queued
FIG. 0.A — GARDEN DESKTOP / DASHBOARDThe actual UI. No marketing simulator.
Sanctions screening
Four global lists. One verdict. With evidence.
OFAC (US), EU Consolidated, UN, UK HMT — and adverse media in fifteen languages. Hits arrive with full context, the matching record, and a confidence score; reviewers act on cases, not on raw names.
SAGE · /compliance/ofac
Case 7e27-baaf · Reginald Maxwell
RM
Reginald Maxwell
Counterparty · KYC under review
DOB 1973-07-12GBMercury · ····7102$48,200 inbound
case 7e27-baafopened 1h ago
- OFAC SDNno matchconf 0.99 clear
- EU ConsolidatedReginald Maxwell · UK · 1973-07-12conf 0.71review
- UN Security Councilno matchconf 0.99 clear
- Adverse media2 sources · sanctioned counterpartyconf 0.84review
- PEPSenior political exposure · Tier 2conf 0.88review
Sealed on decide · audit chain
Year-end tax
1099-NEC, 1099-K, 1042-S, K-1 — rendered, filed, sealed.
Sage runs your end-of-year tax surface inside the same audit chain as every other entry. W-8BEN and W-9 collection happens during the KYC flow; backup withholding fires automatically on missing W-9; forms are rendered by Basil and posted to Bean.
SAGE · /compliance/tax-reports
Year-end tax · FY 2025 · 8 of 247 forms shown
1099-NEC194 forms · $4.8M
1099-K12 forms · $0.3M
1042-S31 forms · $1.2M · $360k withheld
K-110 partners · $2.4M
| Form | Recipient | Amount | Withheld | State |
|---|---|---|---|---|
F-0011099-NEC | Reginald Maxwell · UK | $78,400.00 | — | ready · send |
F-0021099-NEC | Forerun Labs · contractor | $48,200.00 | — | ready · send |
F-0031099-NEC | Marsh Bay Trading · 1099-eligible | $14,820.00 | — | no W-9 · hold |
F-0041042-S | Helsinki & Co · FR resident | $92,400.00 | $27,720.00 | 30% withheld |
F-0051099-MISC | Northwood Capital · royalties | $12,250.00 | — | drafted |
F-006K-1 | ACME Holdings LP · partner 04 | $184,920.00 | — | ready · send |
F-007K-1 | Pinnacle Insurance · partner 12 | $71,800.00 | — | drafted |
F-0081099-K | marketplace seller · merchant 218 | $9,840.00 | — | filed · IRS |
every form is rendered by Basil with a sealed PDF · counterparty W-9 / W-8BEN status enforces 30% backup withholding automaticallyIRS FIRE · EU OSS · UK Making Tax Digital
FATF R.16 · TRP / TRUST
Counterparty info exchanged before the chain even sees the transfer.
Crypto transfers over $3,000 to another VASP require Travel Rule data exchange. Sage handles both sides of the exchange via TRP or TRUST, encrypts PII end-to-end between custodians, gates Greenhouse settlement until both sides verify, and seals the exchange packet to Bean.
SAGE · /compliance/travel-rule/exchange-3a8f
Travel Rule · ACME → Northwood · 120,400 USDC · TRP v3
PROTOCOLTRP v3 · OpenVASPfallback · TRUST · Notabene
AMOUNT$120,400 USDCabove $3,000 threshold
ORIGINATOR VASPGarden Greenhousevasp_id · garden.gh.acme
BENEFICIARY VASPAnchorage Digitalvasp_id · anchorage.us.qual
Originator (us) · sent5 fields · ed25519 sealed
- Legal nameACME Holdings, Inc.shared
- Entity / DIDdid:oas:org:acme · 1042-Ashared
- Address228 Greenpoint Ave · Brooklyn NYshared
- Wallet addressgreenhouse:cold/01 · 0x4f1a…be17shared
- KYC referencesage:case_3f81 · approved 2025-09-12E2E enc
Beneficiary (them) · received5 fields · verified back to KYC
- Legal nameNorthwood Capital LLCreceived
- Entity / DIDdid:oas:org:northwood · TRUSTreceived
- Address14 St James Sq · London SW1Y 4LBreceived
- Wallet addressnorthwood:treasury/eu · 0x8f1c…9214verified
- KYC referenceanchorage:case_2c01 · approved 11-04E2E enc
Settlement gate · Greenhouse holds until both sides green
originator KYC fresh · 7 days beneficiary VASP licensed · NYDFS BitLicense wallet-control proof · signed by Anchorage
PII exchanged end-to-end-encrypted · KYC references travel as hashes, not raw documents · packet posts to Bean as evidenceFATF R.16 · TRP · TRUST · OpenVASP
Sage vs. compliance vendors
Compliance that proves itself, every time.
Most KYC vendors give you a Pass/Fail. Sage gives you a chain.
| Capability | Persona | Alloy | Onfido | Sage |
|---|---|---|---|---|
| ID verification | ✓ | ✓ | ✓ | ✓ Onfido + Veriff pluggable |
| Liveness selfie | ✓ | ✓ | ✓ | ✓ |
| OFAC + EU + UN + UK HMT | partial | ✓ | — | ✓ |
| PEP screening | ✓ | ✓ | — | ✓ |
| Adverse media (multi-language) | — | ✓ | — | ✓ 15+ languages |
| Evidence packet sealed | — | — | — | ✓ blake3 |
| Posts decision to ledger | — | — | — | ✓ Bean |
| Agent-screenable | — | — | — | ✓ MCP |
Agent-native
Pre-screen every counterparty before money moves.
Chard can call Sage before authorising a wire. If the screening is dirty, the wire is held with a referral; if it's clean, the screening result is sealed alongside the payment intent in the same journal entry.
MCP descriptor
tool sage.screen.run Run sanctions + PEP + adverse media tool sage.kyc.start Start a KYC session tool sage.case.review Submit reviewer decision (signed) tool sage.evidence.fetch Fetch sealed evidence packet resource cases://sage/open Live caseload
Typed REST API
POST /sage/v1/screenings Run a screen against name + DOB + country POST /sage/v1/kyc/sessions Start a KYC session GET /sage/v1/screenings/:id Status + hits + evidence URI POST /sage/v1/cases/:id/review Submit a review decision GET /sage/v1/evidence/:case Fetch sealed packet (PDF + JSON)
Lineage headers
Authorization: Bearer arsenal:act_sg… X-Garden-Capability: sage.screen.run · scope=counterparty-onboard X-Garden-Audit-Trail: posted to Bean on approve, refused on hit X-Garden-Reviewer: did:oas:org:acme:compliance@hl
Capability matrix
What Sage covers.
- 01Document verification (passport, driver's licence, national ID)
- 02Liveness selfie with vendor-pluggable engines (Onfido, Veriff)
- 03OFAC, EU Consolidated, UN, UK HMT sanctions screening
- 04PEP (politically-exposed person) screening
- 05Adverse media in 15+ languages with named-entity disambiguation
- 06KYB for businesses (UBOs, registry data, sanctions)
- 07Travel Rule (TRP, TRUST) for crypto counterparty exchange
- 08Tax form generation (1099, W-9, K-1) and 1042-S withholding
Companions in People
The services that work with this one.
Twelve services. Sage is one.