AML risk scores help exchanges, businesses, and individuals assess the compliance risk of a Stellar wallet before transacting. Our tool provides a risk score that reflects exposure to sanctions, illicit markets, and obfuscation services.
How Stellar wallet risk scores work
Stellar was originally designed for financial inclusion remittance use cases. Major money transfer operators use Stellar for compliant cross-border payments, making AML screening essential. Risk is calculated by analyzing the XLM address transaction graph and comparing it against databases of known bad actors, sanctioned entities, and high-risk services.
What factors affect a XLM 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 — Stellar's low transaction fees and fast finality can be exploited for rapid fund movement. The native DEX on Stellar can be used to swap assets without exchange KYC.
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 Stellar wallet risk report
Enter the XLM address above for a quick risk assessment, or use @cryptoamlscan_bot for a full risk score with downloadable PDF compliance report.