# PliOS

> PliOS is the AI compliance operating system for US financial institutions — crypto companies, community banks, trust companies, credit unions, MSBs, and fintechs. It runs the full compliance lifecycle: gap assessment, AI policy drafting, examiner-grade risk assessments, filing/licensing tracking, exam remediation, and board reporting. Built by former bank regulators and compliance leaders. Pricing is $149–$349/month (Fractional CCO advisory from $2,500/month) — a fraction of enterprise GRC tools.

PliOS covers FinCEN BSA/AML (31 CFR 1022), OFAC sanctions, the FinCEN Travel Rule, state money transmitter licensing (all 50 states), NYDFS BitLicense, OCC/FDIC/NCUA examination requirements, MiCA (EU), and FATF Recommendations. Every AI draft is cited to authority and reviewed by the customer’s compliance officer — it accelerates expert work, it does not file on its own.

## Key pages

- [PliOS home](https://plios.co/): Product overview, AI agents, pricing, and FAQ.
- [Pricing](https://plios.co/#pricing): Foundation ($149/mo), Program ($349/mo), and Fractional CCO / Advisory (from $2,500/mo).
- [Free gap assessment](https://plios.co/assess): A 3-minute, no-signup compliance gap snapshot scored against benchmarks.
- [Regulatory Radar](https://plios.co/radar): A free, always-current tracker of US crypto & fintech regulatory developments (FinCEN, OCC, OFAC, SEC, CFTC), each explained in plain English with who it affects and what to do — including dedicated GENIUS Act and CLARITY Act trackers.
- [FAQ](https://plios.co/faq): Who PliOS serves, regulatory coverage, how the AI agents work, and how it compares to other tools.
- [Compliance glossary](https://plios.co/glossary): Plain-English definitions of BSA/AML, KYC, OFAC, Travel Rule, MTL, and more.
- [Blog](https://plios.co/blog): Practitioner-written guides on compliance for regulated institutions.

## Comparisons

- [PliOS vs. Chainalysis](https://plios.co/compare/chainalysis): Blockchain transaction monitoring vs. compliance program management.
- [PliOS vs. Vanta](https://plios.co/compare/vanta): Security compliance automation vs. financial-regulatory compliance.
- [PliOS vs. Enterprise GRC Platforms](https://plios.co/compare/enterprise-grc): Built for lean compliance teams — not six-figure enterprise rollouts.

## Glossary

- [BSA/AML](https://plios.co/glossary/bsa-aml): The US legal framework requiring financial institutions to detect, prevent, and report money laundering and other financial crime.
- [KYC](https://plios.co/glossary/kyc): The process of verifying a customer’s identity and assessing their risk before and during a business relationship.
- [CIP](https://plios.co/glossary/cip): The BSA rule requiring institutions to collect and verify identifying information before opening an account.
- [CDD](https://plios.co/glossary/cdd): Ongoing risk-based review of customers, including understanding the nature and purpose of the relationship and monitoring activity.
- [OFAC Sanctions](https://plios.co/glossary/ofac): US Treasury–administered economic sanctions that prohibit dealings with designated persons, entities, and jurisdictions.
- [FinCEN Travel Rule](https://plios.co/glossary/fincen-travel-rule): A BSA requirement that financial institutions pass along originator and beneficiary information on qualifying funds transfers.
- [Money Transmitter License](https://plios.co/glossary/mtl): A state license required to transmit money or convertible virtual currency on behalf of others.
- [BitLicense](https://plios.co/glossary/bitlicense): New York’s dedicated license for businesses conducting virtual currency activity (23 NYCRR Part 200).
- [Money Services Business](https://plios.co/glossary/msb): A FinCEN registration category covering money transmitters, currency dealers, and certain crypto businesses.
- [Suspicious Activity Report](https://plios.co/glossary/sar): A confidential report filed with FinCEN when a transaction is suspected to involve illegal activity.
- [Currency Transaction Report](https://plios.co/glossary/ctr): A report filed with FinCEN for cash transactions exceeding $10,000 in a single business day.
- [Beneficial Ownership](https://plios.co/glossary/beneficial-ownership): The natural persons who ultimately own or control a legal-entity customer, which institutions must identify under the CDD Rule.
- [Inherent vs. Residual Risk](https://plios.co/glossary/inherent-vs-residual-risk): Inherent risk is exposure before controls; residual risk is what remains after controls are applied — the model regulators expect in a risk assessment.
- [MRA / MRIA](https://plios.co/glossary/mra-mria): Formal supervisory findings examiners issue to direct an institution to correct a deficiency.
- [Third-Party Risk Management](https://plios.co/glossary/tprm): The lifecycle of identifying, assessing, and monitoring the risks vendors and partners introduce to your institution.

## Blog

- [California DFAL License: How to Prepare Your Application Before July 1, 2026](https://plios.co/blog/california-dfal-license-application-guide): A guide to California's Digital Financial Assets Law - who needs a DFAL license, what DFPI expects in a complete application, and how to prepare your AML, cybersecurity, capital, and consumer protection programs before the deadline.
- [The FinCEN Travel Rule Explained: A Compliance Guide for 2026](https://plios.co/blog/fincen-travel-rule-compliance-explained): What the FinCEN Travel Rule requires, how it applies to crypto and traditional transfers, the data you must transmit, and how to build a compliant Travel Rule workflow.
- [How to Prepare for a BSA/AML Exam: An Examiner-Grade Checklist](https://plios.co/blog/how-to-prepare-for-a-bsa-aml-exam): A step-by-step checklist for preparing for a BSA/AML examination - what examiners look for, how to assemble your evidence, and how to respond to MRAs and findings without the annual fire drill.
- [Compliance Software: What to Look For in 2026](https://plios.co/blog/compliance-software): A buyer's guide to compliance software for any licensed or aspiring licensed institution—including banks, credit unions, trust companies, fintechs, neobanks, crypto, and digital asset firms. Learn which modules actually matter, what regulators and examiners expect, and how lean teams can operate an enterprise-grade compliance program without an enterprise budget.
- [BSA/AML Compliance Software for Crypto Companies: The 2026 Guide](https://plios.co/blog/bsa-aml-compliance-software-crypto): What BSA/AML compliance actually requires of crypto exchanges, wallets, and digital-asset businesses in 2026 - and how to choose compliance software that maps to FinCEN, OFAC, and state obligations.
- [Building a Vendor Risk Management (TPRM) Program That Examiners Trust](https://plios.co/blog/vendor-risk-management-tprm-program): How to build a third-party risk management program for a financial institution - contract analysis, vendor inventory, risk tiering, due diligence, ongoing monitoring, and the TPRM software features that make it sustainable.
- [Money Transmitter License (MTL) Compliance: A State-by-State Primer](https://plios.co/blog/money-transmitter-license-compliance-guide): A guide to money transmitter licensing in the US - who needs an MTL, how state-by-state licensing works, the ongoing compliance obligations, and how to manage it all without missing a renewal.

## Contact

- Email: hello@plios.co
- X/Twitter: https://x.com/PliOS_ai

## Note

PliOS provides compliance management tools and educational content. It does not constitute legal advice.