Onlayer is an AI-powered TechFin infrastructure platform that unifies the entire merchant lifecycle for banks, PSPs, and fintechs—bringing merchant onboarding, continuous risk & fraud monitoring, PCI-DSS and AML compliance, BRAM & transaction-laundering detection, reputation and vendor-risk checks, and revenue intelligence into a single modular system. As the first globally accredited MMSP (Merchant Monitoring Service Provider) across Türkiye and Europe, Onlayer enables financial institutions to detect risk earlier, act faster, and uncover growth opportunities across their merchant portfolios. Operating in 12 countries and trusted by 90+ institutions, Onlayer transforms compliance from a manual, siloed burden into a scalable, data-driven engine that delivers operational efficiency, regulatory confidence, and measurable revenue impact.