High-volume art businesses need AML infrastructure, not spreadsheets. MIRAS provides full ORS+ARS dual-engine scoring, automated Enhanced Due Diligence, Suspicious Transaction Report templates, and multi-user team access — built for the pace of auction season.
The Problem
When you process hundreds of transactions per quarter, manual AML checks become a bottleneck that slows deals and drains staff. You need computational scoring, not clipboard compliance.
A single AML violation can result in fines up to €5 million or 10% of annual turnover under EU AMLR, criminal liability for responsible officers, and reputational damage that takes years to repair.
When KYC is in one system, sanctions screening in another, and provenance records on paper, you cannot produce a unified audit trail when the regulator arrives.
Dual-Engine AML Scoring
The Owner Risk Score (ORS) evaluates 6 variables about the transaction counterparty — sanctions exposure, PEP status, jurisdiction risk, corporate opacity, source of wealth, and transaction patterns. The Asset & Context Risk Score (ARS) evaluates 8 variables about the artwork itself — provenance depth, wartime gaps, price anomalies, authentication status, cultural property flags, geographic risk, frequency patterns, and cash indicators.
Institutional Capabilities
Art Loss Register queries at no additional per-search cost. Screen every lot before it hits the catalogue.
Role-based permissions for compliance officers, cataloguers, and management. Audit-ready activity logs for every user.
RESTful API connects MIRAS to your existing catalogue management system, CRM, or ERP. Automate screening at the point of intake.
Why MIRAS
One integrated stack. Computational scoring. Enforcement-ready.
Authentication, provenance, AML scoring, KYC, sanctions screening, and reporting in a single platform. No duct-taping five vendors together.
ORS+ARS produces a numerical risk score from 14 variables, not an opinion. Auditors and regulators want numbers they can verify — not judgment calls they have to trust. Patented methodology (UIBM #102026000010327).
EU AMLA is operational since May 2025. AMLR enforcement begins 2027. UK lowered AMP thresholds to GBP 10,000 in 2026. US AMIA is moving through Congress. MIRAS is ready before you need it.
At volume, compliance is either automated or it fails. MIRAS gives auction houses and dealers the same computational AML infrastructure that banks have used for decades — purpose-built for art.
Pricing
Join the auction houses and dealers building computational AML compliance before AMLR enforcement begins in 2027.