KONTOGRAPH: Verified Point-in-Time Feature Consistency and Amortised Explanation for Real-Time Anti-Money Laundering under a 200 ms Decision Budget
Regulation (EU) 2024/886 obliges European payment service providers to settle euro credit transfers in under ten seconds, around the clock. This removes both the overnight batch window in which anti-money-laundering (AML) analytics traditionally ran and the settlement delay that made recovery possible, forcing detection, explanation and decision inside a single-digit-second envelope. We present KONTOGRAPH, an end-to-end AML pipeline for the SEPA Instant rail built under a self-imposed 200 ms 99th-percentile budget, and report an empirical study on 1,562,860 simulated payments with injected typologies and deliberately incomplete labels. Three findings are of interest beyond the system itse...
| Authors | Ahmed Abolfadl |
|---|---|
| Primary category | cs.CR |
| Published | 23 August 2026 |
| Last updated at source | 23 August 2026 |
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