complyable.co

What It Is

Complyable provides an “examination-ready” BSA/AML foundational policy package for fintech and crypto startups. It is not a general-purpose compliance template library in the traditional sense, nor is it a full compliance SaaS platform. Instead, it sits somewhere between a specialized documentation product and a compliance advisory service: through a structured intake process, it turns information about a company’s products, customer types, transaction flows, jurisdictions, and third-party vendors into editable Word policy documents.

Core Features and Deliverables

Its core deliverables are six documents: AML Risk Assessment, BSA/AML Program, KYC/CIP Policy, Transaction Monitoring Procedures, Vendor Management Policy, and Fraud Prevention and Recordkeeping Policy. The materials emphasize that the documents are tailored to U.S. regulatory contexts such as FFIEC, NYDFS Part 504, FinCEN, OFAC, and state MTL requirements, covering topics including governance, roles, escalation, SAR processes, training, independent testing, EDD triggers, sanctions and PEP screening, and more. Delivery is in editable Word format with versioning, revision history, and change summaries, rather than through an online system.

Pricing and Service Support

Pricing is transparent: the Template Pack is a one-time $899 purchase, suitable for early-stage teams that can adapt the documents themselves. The Guided Suite costs $4,995, is delivered in 5 business days, and includes a 40-question intake, jurisdiction-aware customization, a 30-minute kickoff call, and 1 round of revisions. The Reviewed Suite costs $11,500 and is aimed at bank due diligence, state MTL applications, or examination scenarios; it includes line-by-line review by a former CCO, a 90-minute walkthrough, a memo, 2 rounds of revisions, and 60 days of Q&A. An optional quarterly maintenance subscription is also available, but pricing is not disclosed.

Pros and Cons

The main advantage is its narrow but deep positioning: it clearly serves highly regulated U.S. fintech, crypto, payments, neobank, and iGaming use cases. Delivery is faster than a traditional law firm engagement, and the cost is lower than the $25K–$75K law firm pricing mentioned on the page. The limitations are also clear: it is not a substitute for a lawyer, does not provide legal advice or formal attestation, and does not disclose details about APIs, permissions, third-party integrations, online collaboration, cloud deployment, or security certifications. As a result, it should not be evaluated like a conventional enterprise software platform.

Who It’s For and Access from China

Complyable is best suited to U.S.-market teams preparing for bank partner due diligence, state licensing applications, regulatory examinations, or board-level compliance milestones—especially startups that lack a full-time compliance lead but cannot rely on generic templates. For Chinese teams that are not subject to U.S. BSA/AML or MTL frameworks, the fit is limited. For those targeting the U.S. market, it can serve as a starting point for foundational policies. Website accessibility from China and available payment methods are not disclosed, so china_access can only be rated as unknown. Alternatives include U.S. law firms, fractional CCOs, compliance consultants, generic template stores, or building documents internally with an in-house compliance team.