One API. Every regulation. Zero guesswork.
The real cost of building in-house.
Before writing a single line of compliance logic, understand what you're signing up for. These are median figures from 47 fintech engineering teams surveyed in Q4 2025.
| Metric | Build In-House | Comply API | Notes |
|---|---|---|---|
| Time to first compliance check | 14–26 weeks | < 15 minutes | From npm install to live verdict in a sandbox environment. |
| Regulatory coverage breadth | 2–4 frameworks (manual) | 34 jurisdictions, 9 frameworks | MiFID II, SOX, AML/CFT, DORA, Basel III, PSD2, EMIR, GDPR, FATF. |
| Directive update latency | 4–12 weeks (manual re-code) | < 48 hours (auto-pushed) | Legal team monitors directives; rules engine updates without API changes. |
| Audit trail depth | Custom implementation | Immutable, examiner-ready | Every verdict is cryptographically signed and stored for 7 years. |
| Engineering headcount required | 3–6 FTEs ongoing | 0 FTEs (API consumer) | No compliance engineers needed. Wire once, update never. |
| False positive rate | 8–15% (industry avg) | < 0.3% | ML-trained on 4.2B historical transaction verdicts. |
| Examiner scrutiny survival | Varies by implementation | 100% (0 examiner failures) | Tested across 14 regulatory examinations across EU and US jurisdictions. |
Every alternative, benchmarked.
12 dimensions. 4 approaches. Concrete values, no checkmarks — because checkmarks hide the gap between "technically yes" and "actually works under examiner scrutiny."
| Metric | Comply | Manual | Legacy GRC | Other RegTech |
|---|---|---|---|---|
| Endpoint count | 247 endpoints | N/A (custom code) | 12–18 endpoints | 31–55 endpoints |
| Avg response time | 47ms p50 / 89ms p99 | 400–2,400ms | 800–4,000ms | 120–380ms |
| Jurisdictional coverage | 34 jurisdictions | 1–3 (hand-coded) | 8–12 | 11–19 |
| Regulations supported | MiFID II, SOX, AML, DORA, Basel III, PSD2, EMIR, GDPR, FATF | Whatever you coded | SOX, Basel III, partial AML | AML, PSD2, partial MiFID II |
| Directive update latency | < 48 hours (auto) | 4–12 weeks | 6–16 weeks + contract | 2–6 weeks |
| Webhook support | Yes — 12 event types | Build it yourself | Polling only | Yes — 3–5 event types |
| Sandbox environment | Full parity, free forever | No (prod only) | Limited (6 month trial) | Yes (rate-limited) |
| SOC 2 Type II | Certified (renewed 2026) | Your responsibility | Certified | In progress |
| Audit trail depth | Immutable, 7-year retention | Custom implementation | 90-day log export | 12-month retention |
| False positive rate | < 0.3% | 8–15% (typical) | 3–7% | 1.2–2.8% |
| Time to integrate | < 15 minutes | 14–26 weeks | 3–6 months + PS fees | 2–4 weeks |
| Pricing model | Per-call, no minimums | Engineering salaries | Annual license $80K–$400K | Monthly subscription |
Infrastructure that never pages you.
Every number below is a commitment, not a marketing claim. SLAs are contractual. Certifications are current. Audit trails are immutable.
Every verdict is examiner-ready.
Each compliance check generates a cryptographically signed record stored in tamper-evident append-only logs. 7-year retention by default. Export to regulators in 3 clicks. Every field an examiner will ask for is already there.
The verdict is in the data.
Engineers who read this far already know the answer. Start testing in 15 minutes — no sales call, no contract, no minimum spend.
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Full API access. Real regulation logic. No credit card. Your first 10,000 verdicts are free.
Download Full Benchmark PDF
The complete methodology behind every number on this page. Shareable with your CTO, legal team, or risk committee.
- →Full survey methodology (n=47 teams)
- →Third-party latency test results
- →Jurisdictional coverage breakdown
- →Directive update timeline analysis
- →Cost modeling: build vs. buy vs. Comply
Used by compliance engineers at 340+ fintech companies · 4.2B verdicts issued · 0 examiner failures