AML/CFT compliance, made clear.
The anti-money-laundering copilot for wealth-management and real-estate professionals. AI perceives, the engine classifies, you decide and report.
- A complete due-diligence file per client or transaction, in a few minutes
- Sanctions, asset-freeze and PEP screening — before the transaction, then on an ongoing basis
- Timestamped and sealed register (SHA-256), ready for inspection
Score out of 100 in 2 minutes · No credit card · No commitment
Vigilae assists the professional with their AML/CFT obligations. The tool perceives, structures, screens and traces; the professional remains the sole decision-maker and the sole reporting party to the FIU.
Vigilae, in 55 seconds.
From scattered files to a sealed register: AI perceives, the engine classifies, you decide, the evidence is sealed.
57 seconds · English voiceover · subtitles available · unmute for sound
Designed for regulated professions — and for their own supervisory framework
Sensitive data encrypted (AES-256-GCM) · Controlled hosting and retention · Designed for the confidentiality of the suspicious activity report
You are a regulated entity. And the burden has never been heavier.
Identify the client, trace the ownership chain up to the beneficial owner, rate the risk, screen sanctions and PEPs, retain evidence for five years, stay vigilant throughout the relationship… The obligations pile up, the tools are scattered, and every file leaves one question hanging: "If I'm inspected, can I prove everything?"
Scattered files
PDFs, emails, spreadsheets, screenshots. The documents are there, but nowhere to be found on the day you have to produce them. Traceability rests on memory, not on a register.
Time swallowed by admin
Re-keying the same data, redoing the same beneficial-owner searches, restarting the screening at every step. Time that goes neither to the client nor to advice.
Permanent doubt
The beneficial-ownership threshold, the overlooked PEP, the undated screening, the poorly scoped suspicious activity report. Without a reproducible method, compliance hinges on how sharp you are that day.
Untraced due diligence is an uncontrolled risk.
An inspection does not judge only what you did — it judges what you can prove. In the eyes of the supervisor, an undocumented due-diligence measure is equivalent to a measure not taken. Vigilae turns every act of due diligence into timestamped evidence, without deciding anything on your behalf.
Screening & asset freezing — without delay, regardless of amount
Asset-freeze measures apply before the transaction, without delay and regardless of amount, by consulting the National Asset-Freeze Register (Directorate General of the Treasury). This is not an adjustable risk-based approach.Ref. DG Treasury / ACPR guidelines.
Beneficial owner — a threshold set to change
Under current French law, a beneficial owner is a person who holds more than 25% of the capital or voting rights, or exercises control. From 10 July 2027 (AMLR regulation EU 2024/1624), the harmonised European threshold becomes 25% or more.Ref. art. L.561-2-2 CMF; EUR-Lex 2024/1624.
Retention — 5 years
Identification documents and due-diligence measures are retained for 5 years from the end of the business relationship; transaction documents, 5 years from their execution.Ref. art. L.561-12 CMF.
Suspicious activity report — confidential and personal
The report to the FIU is a personal act of the professional; its existence and its content may not be disclosed to the client or to third parties, under penalty of sanction.Ref. art. L.561-15 and L.561-18 CMF.
No tool can guarantee full compliance or the absence of sanctions. Vigilae strengthens the control, traceability and speed of the process; regulatory responsibility remains that of the professional.
One due-diligence file, one chain of evidence, one decision that is yours.
Vigilae opens a due-diligence file per client or per transaction and supports you from end to end: the AI reads the documents, identifies the beneficial owners and structures the information; a deterministic engine rates the risk and screens sanctions; you, the professional, keep control of every decision and remain the sole reporting party. In the end, everything is sealed in a timestamped register with a SHA-256 integrity chain, verifiable within the practice.
Document extraction, reading of the files, reconstruction of the ownership chain. You validate what the AI proposes — never the other way round.
Deterministic risk rating (low / standard / enhanced) and screening of sanctions, asset freezing and PEPs, with continuous re-screening. Rules, not hunches.
The decision to enter into a relationship, to enhance due diligence or to report a suspicion remains entirely yours. Vigilae pre-drafts and structures; you decide.
Timestamped register, sealed with SHA-256, and a white-label PDF evidence file — ready to present to the competent supervisor.
From entering into a relationship to a sealed file, in six steps.
A clear, reproducible and traceable method. At each step, an AI copilot sets the stage; at each decision, you are the one who validates.
Entering into a relationship
You open the file. Vigilae structures the identification of the client and, where applicable, the beneficial owners. Identification always precedes verification — as the framework requires.
Copilot: Iris Ref. art. L.561-5 CMF.Documents & extraction
You upload the documents. The AI reads them, extracts the useful information and flags what is missing. You keep control of every piece of data retained.
Copilot: OscarBeneficial owners & risk
Vigilae reconstructs the ownership chain, identifies the beneficial owners and proposes a risk rating (low / standard / enhanced) following a deterministic and auditable logic.
Copilots: Bea & CassandreScreening
Screening of sanctions, asset freezing and PEPs, before the transaction, then re-screening on an ongoing basis throughout the relationship. Every alert is escalated to you for a decision.
Copilot: VestaDecision (human)
You decide: enter into a relationship, apply enhanced due diligence, or, if you deem it necessary, prepare a suspicious activity report. Vigilae pre-drafts the report and prepares the export in the FIU's ERMES format — the transmission remains your act.
Copilot: SorenEvidence
The file is sealed: a timestamped SHA-256 register and a white-label PDF evidence file. Your due diligence is traced and easily presentable in the event of an inspection.
Copilot: Iris (closing)Vigilae prepares the export in ERMES format; transmission to the FIU remains an act of the reporting party. The tool never reports on your behalf and never discloses any report to the client (art. L.561-18 CMF).
Six copilots. One single compliance chain.
Each copilot masters one step of due diligence. Together, they form a constellation that prepares, structures and traces your file — so that you can focus on the decision and the advice.
Iris
Drives the six steps, checks that no obligation is overlooked and closes the file.
Oscar
Reads the uploaded documents, extracts the key information and flags gaps.
Bea
Reconstructs the ownership chain and identifies the individuals above the threshold.
Cassandre
Proposes a deterministic and auditable risk level (low / standard / enhanced).
Vesta
Screens sanctions, asset freezing and PEPs before the transaction, then on an ongoing basis.
Soren
Pre-drafts the report and prepares the ERMES export — you decide and submit.
The Vigilae copilots prepare and assist. No legal decision, no final rating and no report is made without validation by the professional.
Due diligence that proves itself, data that stays protected.
Sealed & verifiable register
Every action is timestamped and sealed with SHA-256. The register constitutes a trace with integrity verifiable by recomputation (within the practice), designed to be presented to the supervisor.
White-label evidence file
A clear and complete PDF, in your name, covers the entire due-diligence journey — ready to archive or to transmit.
Encryption of sensitive data
Vault encrypted with AES-256-GCM. Personal data and documents stay protected at rest and in transit.
Confidentiality of the report
Vigilae is designed to respect the confidentiality of the suspicious activity report: its existence and its content are never exposed to the client (art. L.561-18 CMF).
Facilitated retention — 5 years
The register and the evidence file facilitate retention and traceability over 5 years, without exempting you from your obligations (art. L.561-12 CMF).
Network cockpit
For network heads: a view of compliance by agency or practice, which aggregates without ever altering the competence of each structure's supervisor.
The network cockpit aggregates compliance; each structure in the network remains a regulated entity, supervised according to its own profession (most often the CNS via the DGCCRF for real estate).
A common framework, adapted to your profession and your supervisor.
AML/CFT obligations are common, but the supervisor differs by profession. Vigilae adapts to the framework of each profession — without ever replacing the competent authority.
Wealth advisers / investment advisers
You often hold several statuses (investment adviser, insurance intermediary, banking intermediary) and several supervisors (AMF, ACPR). Vigilae unifies your due-diligence files, rates the risk and retains the evidence, whatever the status concerned.
AML/CFT supervisor: AMF in the capacity of investment adviser; ACPR in the capacity of insurance intermediation. The ORIAS is a registration register, not a supervisory authority.Real-estate agents & networks
Transactions, mandates, property dealers: Vigilae opens a file per transaction, identifies the beneficial owners and screens before the transaction.
Inspection: DGCCRF; power to sanction: National Sanctions Commission (CNS).Property dealers
High-stakes deals, quick turnarounds: risk rating and pre-transaction screening secure each acquisition and resale, with sealed evidence.
Inspection: DGCCRF; sanction: CNS.Notaries
A regulated non-financial profession: Vigilae structures the due diligence and the evidence file in accordance with the professional-body framework.
Supervision: Higher Council of Notaries and professional-body bodies.Chartered accountants
Vigilae industrialises the onboarding, the risk rating and the retention of evidence, in line with your professional-body framework.
Supervision: Institute of Chartered Accountants (not to be confused with statutory auditors, supervised by the H2A).Domiciliation companies
Client volume, turnover, complex arrangements: Vigilae standardises due diligence and traces each file from end to end.
Supervision: National Sanctions Commission (CNS).Network heads / franchises / groupings
The network cockpit aggregates the compliance of your agencies into a clear view, to steer without re-keying — each entity keeping its own supervisor.
Each structure in the network remains a regulated entity, supervised according to its own profession.Vigilae serves professions supervised by different authorities (AMF, ACPR, National Sanctions Commission, professional-body bodies). The tool adapts to the framework of each profession but does not replace the competent supervisor.
Where does your AML/CFT compliance stand? Find out in 2 minutes.
The free Vigilae audit gives you a score out of 100, identifies your 3 priority gaps and hands you a concrete recommendation. No commitment, no credit card — just a clear snapshot of how well you're in control today.
An immediate read of your level of control.
What to address first, and why.
The next concrete step, tailored to your profession.
AML/CFT compliance self-assessment
Answer the 10 control points honestly. Your score updates in real time.
2 minutes · No credit card · Immediate result · Book a demo instead
| Plan | Indicative price excl. tax | Who for |
|---|---|---|
| Solo / Watch | €29/month | Getting started on your own |
| Independent | €59/month | An active professional |
| Practice (most chosen) | €149/month — 3 seats (+€29/seat) | A team, several hands |
| Network / White label | On quote (from €990/month) | Network heads & franchises |
Available add-ons: continuous screening, report + ERMES export, industry connectors, training + certification, seats & entities, API, storage & retention, premium SLA. Indicative prices excl. tax, subject to change. See the pricing details →
Your questions, our clear answers.
Does Vigilae decide or report on my behalf?
No, never. Vigilae perceives, structures, screens and traces; you remain the sole decision-maker and the sole reporting party to the FIU. The suspicious activity report is a personal legal act of the regulated professional (art. L.561-15 CMF). The tool pre-drafts and prepares the export; you decide and submit.
What beneficial-ownership threshold applies?
Under current French law, the threshold is more than 25% of the capital or voting rights (or control by other means). From 10 July 2027, with the application of the AMLR regulation (EU 2024/1624), the harmonised European definition will use the threshold of 25% or more. Vigilae builds this deadline into its roadmap and stays aligned with the law in force.
How do sanctions screening and asset freezing work?
Vigilae screens the client and the beneficial owners against sanctions lists, asset-freeze measures and PEPs, before the transaction, then on an ongoing basis. Asset freezing applies without delay and regardless of amount, by consulting the National Asset-Freeze Register (Directorate General of the Treasury). Vigilae automates screening and re-screening; you remain responsible for applying the measures.
Does Vigilae guarantee I won't be sanctioned?
No. No tool can guarantee full compliance or the absence of sanctions. Vigilae strengthens the control, traceability and speed of your process, but regulatory responsibility remains yours. We prefer to be honest on this point: it is the foundation of a trusted relationship.
Does the suspicious activity report remain confidential?
Yes, and it is a strict obligation. Its existence and its content may not be disclosed to the client or to third parties, under penalty of the sanctions in art. L.574-1 CMF (art. L.561-18 CMF). Vigilae is designed to respect this confidentiality at every step of the journey.
Is my data secure?
Yes. Sensitive data and documents are encrypted in an AES-256-GCM vault, at rest and in transit. The register is timestamped and sealed with SHA-256. Vigilae is designed for confidentiality and to facilitate the retention of evidence over 5 years (art. L.561-12 CMF).
Does Vigilae replace my risk assessment and my training?
No. The written risk assessment, the training and the appointment of an AML/CFT officer remain your responsibility. Vigilae equips and traces your operational due diligence; it does not exempt you from these underlying obligations. Training + certification add-ons are available as a complement.
My profession has its own supervisor. Does Vigilae take that into account?
Yes. Vigilae adapts to the framework of each profession: AMF and/or ACPR for wealth advisers/investment advisers and insurance intermediaries, National Sanctions Commission (via the DGCCRF) for real estate and domiciliation, professional-body bodies for notaries and chartered accountants. The tool never replaces the competent supervisor.
Will the AMLA supervise me directly?
Most likely not, if you practise one of the professions targeted by Vigilae. The AMLA (operational since 1 July 2025) will directly supervise a small number of high-risk financial entities from 1 January 2028. Non-financial professions — real-estate agents, notaries, chartered accountants — remain supervised by their national authorities, with the AMLA exercising indirect supervision.
How does Vigilae handle the export to the FIU?
Vigilae pre-drafts the suspicious activity report and prepares the export in the FIU's ERMES format. There is no automatic submission: the transmission remains your act as the reporting party. The tool saves you time on the preparation, without ever replacing your decision.
Your next inspection is prepared today.
Start with the free audit: a score out of 100, your 3 priority gaps and a recommendation, in two minutes. Then see Vigilae in action on one of your files. You keep control, at every step.
No credit card · No commitment · Guided setup
Vigilae assists the professional with their AML/CFT obligations. The tool perceives, structures, screens and traces; the professional remains the sole decision-maker and the sole reporting party to the FIU. Vigilae does not replace the analysis or the decision of the regulated professional.