KYC.co
KYC.co

Practice Areas

01 Complex Financial Fraud & Asset Recovery 02 Property Law & Real Estate Integrity 03 Legal Malpractice & Professional Civil Liability 04 Payment Infrastructure & Banking Regulation

Decision Engines

Expertise Check SDD Network Proximity NPS Dispute Engine PVET Bad Faith Check BFM
The Platform Research & Papers About & Leadership Client Login

Language

Secure Consultation
Europe · Latin America · North America

Forensic Intelligence & Legal-AI Innovation, at the Bleeding Edge of Finance & Law

KYC.co confronts the negligence, malpractice and structural blind spots of legacy legal and financial systems — combining forensic investigation with computational decision engines, an AI-native platform for contracting, escrow and dispute resolution, and peer-grade academic research (SSRN #6996898).

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Forensic Investigation Computational Legal Tools AI-Native Platform Applied Research

Practice Disciplines

Four Institutional Tracks

A single forensic intelligence apparatus applied across the fault lines where capital, property, professional duty, and payment systems fail.

01

Complex Financial Fraud & Asset Recovery

Multi-jurisdictional investigation and recovery in deceptive capital solicitation and unauthorised investment structures.

  • Deceptive capital solicitation, synthetic yield structures and unauthorised investment syndicates.
  • Clearing-house custodial forensics, internal omnibus journal conversions and asset tracing.
  • Abrogation of statutory bank secrecy in civil and criminal proceedings.
02

Property Law & Real Estate Integrity

Pre-acquisition due diligence and litigation for high-value European real-estate portfolios.

  • Land Registry (Registo Predial) audits for hidden title defects, easements and judicial liens (penhoras).
  • Municipal urban-planning forensics, construction licences (alvarás) and structural or legal non-compliance.
  • Coordinated engineering and architectural remediation-analysis frameworks.
03

Legal Malpractice & Professional Civil Liability

Investigation and litigation support for breach of professional duty of care and advocate negligence.

  • Forensic docket auditing for procedural bad faith (litigância de má-fé) and material factual concealment.
  • Regulatory oversight before national Bar Associations (Ordens dos Advogados) and judicial standards bodies, including the CEJ (Centro de Estudos Judiciários).
  • Activation of mandatory base and excess professional indemnity insurance policies.
04

Payment Infrastructure & Banking Regulation

Enterprise payment-security architecture and cross-border banking-regulation compliance.

  • Enterprise PCI DSS v4.0 architecture, Cardholder Data Environments (CDE) and tokenization vaults.
  • Payment-network governance and Visa/Mastercard BIN sponsorship programmes.
  • Latin-American supervisory compliance, central-bank standards, correspondent-banking de-risking and CBLT obligation-token legality.

Research & Computational Instruments

Applied Legal Epistemology, Operationalised

Peer-grade academic research (SSRN #6996898) rendered into live, quantitative decision engines used in matter intake, expert vetting, and dispute strategy.

Academic Research

Qualification and Expertise: The Detectable Signals of Professional Competence Distance

The Qualification–Expertise Fallacy

Read paper ↗

Network Proximity and the Appearance of Impartiality in Civil-Law Systems

Erdős-equivalent relational distance · CEJ standards

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The Manufacturing of Bad Faith in Complex Commercial Exploitation

Mechanism design & the Doctrine of the Affected Party

Read paper ↗

On Legal Bullshit: Frankfurt's Distinction and the Self-Reporting Fallacy

Relative Value Theory (RVT) in risk & reinsurance markets

Read paper ↗
SSRN #6996898 View the full research library →

Live Computational Instruments

Expertise Check SDD

Algorithmic semantic-distance evaluation between a professional's verified history and the complexity of the matter assigned.
Network Proximity NPS

Relational graph analysis quantifying the true independence of court-appointed and party experts.
Dispute Engine PVET

Predictive value-escalation modelling and Nash-incentive mapping across alternative resolution paths.
Bad Faith Check BFM

Detection of information asymmetries and strategic concealment of material structural defects.
The KYC.co Platform

A fully-developed, in-house AI operating system for regulated commerce

Beyond advisory, KYC.co operates its own AI-native management platform — running the full lifecycle of high-value engagements from contracting and escrow to dispute resolution and settlement, with the CBLT obligation token embedded natively at the transaction layer.

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CBLT Obligation Token

Inflation-anchored settlement and provenance embedded directly into every transaction, bypassing multi-year court delays.

AI Contract Management

Generate, adapt and audit contracts from smart templates — consortium, IP, construction and risk-profile instruments.

Escrow & Milestones

Programmable, milestone-gated fund release with cryptographic proofs and staged oversight.

Dispute Resolution & ADR

Game-theoretic alternative dispute resolution and expert panels — the Great Tribunal — resolving matters at the transaction layer.

Project Management

Timelines, bills of materials, applicant management and milestone oversight for complex multi-party projects.

Expert Marketplace

A vetted marketplace of experts and panels, filtered through the SDD and Network-Proximity impartiality instruments.

AI-Native Automation

Intent extraction, semantic matching, signal detection and an embedded AI assistant across every workflow.

Contracting & Compliance

End-to-end contracting with an auditable, cryptographic compliance layer for payments and institutional trust.

AI-native · CBLT-settled · Confidential by design

Leadership

SC

Steven Carroll

Founder & Director · SSRN Author #6996898

Full profile & credentials →

Steven Carroll leads KYC.co from Portugal, directing a multi-decade international practice spanning financial forensics, enterprise PCI DSS security architecture, high-value real-estate litigation, and applied legal epistemology.

A core AI developer in the legal-technology space, his work sits at the border edge of payments, alternative dispute resolution, provenance, and token innovation (CBLT) — with a research programme dedicated to detecting legal blindspots and engineering the instruments that close them.

Financial Forensics PCI DSS v4.0 Real-Estate Litigation Applied Legal Research Payments & Token Innovation

Secure Consultation & Case Evaluation

Confidential intake for counsel, estates, private banks & family offices.

Engagements are accepted under strict international client-privilege and non-disclosure standards. Matters are triaged directly by the Director. Regional operational reach spans Europe, Latin America, and North America.

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Strict adherence to international client privilege and non-disclosure standards.

Operational Reach

Portugal (Headquarters) · Europe · Latin America · North America