report

State of Global AML Compliance 2025

A Data-Driven Analysis of FATF Findings & the RegTech Imperative

Global AML frameworks are stronger than ever, yet real-world enforcement remains critically weak. This insight uncovers the structural reasons behind the global AML effectiveness gap and why RegTech-led transformation is now essential for meaningful impact.

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State of Global AML Compliance

A data-led view of where global AML is failing in practice — and how wide the gap is between laws on paper and real-world outcomes.

The Effectiveness Gap

59.26%

Global AML
Effectiveness Gap

The world scores 78.28% on AML laws, but only 19.02% on actual results.

Banking & Crypto Crisis (IO3)

94.33%

of banks and crypto platform perform poorly on FATF’s IO3

Financial Institutions & VASPs cannot scale manual compliance to meet volume & velocity.

DNFBP Blind Spot (IO4)

97.94%

failure rate
among DNFBPs

Lawyers, real estate, casinos and other high-risk sectors lack affordable compliance tools.

Technology Compliance Breakdown

61.30%

failure on FATF R.15
(New Technologies)

Regulators can’t keep pace with digital finance & crypto innovation.

What This Report Reveals

Global AML laws look strong, but real-world enforcement still falls short.
Many jurisdictions are compliant on paper, yet ineffective in practice.
Banks, fintechs, and crypto platforms can’t manually keep pace with financial crimes.
High-risk non-financial sectors remain some of the biggest AML blind spots.
Beneficial ownership and new technologies, including crypto, are hardest to govern.
RegTech-driven automation is now essential to close the global AML effectiveness gap.