Article
4 min read time
Institutions in the digital assets space are facing growing pressure to demonstrate compliance at every layer of their operations. Regulators, counterparties, and clients increasingly want to see that compliance controls are built into the core workflow, rather than being managed separately after the fact.
Utila already supports native AML/KYT integrations as part of its platform. Today, we're adding Elliptic as a fully supported AML provider, giving institutions the option to connect their existing Elliptic account and run screening directly within Utila.
What the Integration Does
The Elliptic integration covers two distinct screening flows, both operating synchronously within Utila's transaction lifecycle.
For incoming transfers, when a deposit arrives at a vault wallet that has Elliptic screening enabled, Utila submits the transaction to Elliptic for source of funds analysis. Elliptic's holistic screening traces activity across chains automatically, returning a risk score on a 0-10 scale. If the score meets or exceeds the configured deny threshold, the incoming amount is automatically frozen and marked as rejected by AML policy. Frozen funds are excluded from the available balance and cannot be transferred until a vault admin reviews and explicitly unfreezes them through an admin quorum-approved action.
For outgoing transfers, before a transfer enters the approval queue, the destination wallet is screened against Elliptic's risk data. If the destination fails the configured policy, the transfer is blocked. Screening happens before any approvals are requested, so compliance issues surface at the earliest possible point in the process.
Results from both flows are visible in the Utila dashboard and API, and each screening result includes a direct link into the Elliptic console to the specific triggered rules, so compliance teams can investigate without having to manually locate the record on the other side.
Configuration and Controls
Elliptic AML policies are set at the vault level. Admins can define rules based on risk score, category, entity, priority, and direction (incoming, outgoing, or both), with a USD amount threshold. Any changes to AML policy go through Utila's standard vault action flow, requiring admin quorum approval before taking effect, consistent with how all sensitive configuration changes work on the platform. Frozen assets remain frozen even if the policy rule that triggered the freeze is later modified, which matters for maintaining a clean audit trail.
Who This Integration Is For
If your team already runs Elliptic as part of your compliance stack, this integration means it now works directly inside Utila rather than alongside it. And for institutions where Elliptic is a vendor requirement due to existing contracts, regulatory context, or regional preference, it means your compliance stack can incorporate Utila without having to change your existing setup.
More broadly, this is part of our ongoing commitment to providing institutions with real choice in how you build your compliance stack, rather than locking you into a single provider.
Existing Utila customers can connect their Elliptic credentials directly from the workspace settings.
Executive Perspectives
Institutions need compliance workflows that are both rigorous and operationally efficient. By integrating Elliptic directly into Utila, we’re giving customers the ability to enforce AML screening inside the transaction workflow itself - early enough to stop risky activity before it progresses, while keeping enforcement inside the governance model customers already use for their digital asset operations. That’s the infrastructure model we believe institutions need: modular, governed, and built around the providers they can choose.
Bentzi Rabi, Co-Founder & CEO, Utila
As financial institutions, fintechs and payment companies move more activity on chain, compliance teams need to understand risk across assets, chains, counterparties and fund flows in real time. This integration brings Elliptic’s blockchain intelligence into Utila’s wallet and transaction workflows, so institutions can apply risk-based controls at the point where funds are being received, approved or moved. That is increasingly where effective digital asset compliance needs to happen.
Jackson Hull, Chief Technology Officer, Chief Operating Officer, Elliptic
Get Started With Automated Compliance in Utila
Utila's Elliptic integration is available now for all customers. To connect your Elliptic account, navigate to your workspace settings in the Utila dashboard.
If you're exploring how Utila can fit into your compliance infrastructure, request a demo to see how AML screening, governance controls, and multi-provider flexibility work together in practice.
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