AML risk scores help exchanges, businesses, and individuals assess the compliance risk of a Monero wallet before transacting. Our tool provides a risk score that reflects exposure to sanctions, illicit markets, and obfuscation services.
How Monero wallet risk scores work
Monero is the only major cryptocurrency where all transactions are private by default. Many regulated exchanges have delisted XMR due to AML compliance challenges. Risk is calculated by analyzing the XMR address transaction graph and comparing it against databases of known bad actors, sanctioned entities, and high-risk services.
What factors affect a XMR wallet's risk score?
- OFAC sanctions — direct listing on SDN list or exposure to listed addresses
- Darknet market exposure — funds sent to or received from illegal marketplace addresses
- Mixer / tumbler usage — use of privacy or obfuscation services
- Ransomware connections — links to known ransomware payment addresses
- Exchange hack exposure — funds originating from stolen exchange wallets
- Chain-specific signals — Exchanges in many jurisdictions are prohibited from listing or accepting Monero due to the impossibility of meeting FATF Travel Rule requirements. Any XMR exposure is considered maximum-risk by most compliance programs.
Risk score interpretation
- 0–25 — Low risk: no significant flags detected
- 26–59 — Medium risk: indirect exposure, requires review
- 60–84 — High risk: significant exposure, enhanced due diligence required
- 85–100 — Critical risk: direct connection to sanctioned or illicit addresses
Get a full Monero wallet risk report
Enter the XMR address above for a quick risk assessment, or use @cryptoamlscan_bot for a full risk score with downloadable PDF compliance report.