Cruz Payouts | AML/CTF Compliance & Digital Payout Solutions

Strengthen

AML/CTF

Compliance.

Simplify

Payouts.

A secure digital payout platform that strengthens AML/CTF oversight at the point of payout, reduces internal fraud exposure, and delivers faster, controlled payout experiences.
Defensible Payouts. Stronger Oversight. Reduced Risk.

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Live

Regulated

Venues

Why Cruz Payouts?

Cruz Payouts converts jackpot payouts from a manual vulnerability into a controlled, monitored, and auditable workflow.

Cruz helps regulated businesses demonstrate operating AML/CTF programs through automated monitoring, audit-ready records, and board-level reporting. It strengthens oversight by supporting transaction monitoring triggers, enhanced due diligence workflows, and suspicious matter escalation processes, while producing monthly summaries suitable for board and audit review.

Reduce manual admin and human error, improve customer experience with faster digital payouts, and gain continuous visibility into compliance performance.

- Structured controls aligned to AML/CTF obligations at the point of payout

- Board-ready reporting to evidence operational AML/CTF performance

- Real-time visibility into payout activity, staff actions and exception events

- Built-in segregation of duties and configurable approval thresholds

How it Works?

Eliminate manual ID handling, spreadsheets, and payout delays.

Cruz replaces manual, paper-based jackpot processing with a structured digital workflow that standardises controls, reduces handling risk, and creates a complete audit trail for every payout.

Capture ID — Verify the member’s identity digitally in seconds using DVS and banking data.
Log the Payout — Record details instantly on any connected device — no paper, no re-entry.
Approve & Pay — Built-in cascading approval ensures the right staff authorise every transaction.
Audit Trail Auto-Created — Every action is time-stamped and logged to prove operational AML/CTF compliance.

Operating Controls

Designed for high-volume, multi-shift environments where internal fraud, collusion, and manual override risk must be controlled.

Configurable payout thresholds, separation of duties with optional dual approval above thresholds
Exception handling and flags for failed ID, name mismatch, suspected mule, disputed winner or staff shifts
Reduced cash handling and reconciliation risk
Role based access and complete audit logs
Collusion risk management, staff plus patron escalation workflow recorded in audit trail

Compliance at Cruz

CRUZ operates with the following regulatory registrations and security credentials

AUSTRAC registered as an Independent Remittance Dealer
Australian Payment Plus Approval
CDR registration for bank account verification
AFSL authorisations for non-cash payment facilities
ISO/IEC 27001 information security certification

What Real Businesses Are Achieving

Venues using Cruz are strengthening AML/CTF oversight at the point of payout and reducing regulatory exposure within weeks of implementation.

By replacing manual, paper-based processes with structured digital controls, venues gain clearer visibility into high-value transactions and greater confidence that AML/CTF obligations are operating in practice. The result is a standardised, defensible workflow that reduces manual compliance workload while providing clear evidence for management, auditors and regulators.

Reduced manual handling and payout processing risk
Stronger segregation of duties and approval consistency across shifts
Clearer audit trails and faster evidence retrieval for reviews
Improved visibility for venue management and boards
Reduced exception and dispute exposure at high-value payout points

Why It Matters To Your Venue

Customers experience your payout process directly. Delays, inconsistent checks, or manual handling increase dispute risk and reputational exposure, especially for high-value jackpots.

A structured digital workflow protects the venue while providing customers with a clear, consistent payout experience.
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Cruz Payouts helps venues:

Reduce payout delays through a consistent, documented process.
Provide clear confirmation at each step
Improve confidence high-value payouts are handled correctly
Reduce disputes and manual follow-ups
Return patrons to the gaming floor faster while maintaining appropriate controls

Defensible Payouts. Operational Confidence.

See how Cruz Payouts strengthens AML/CTF oversight and reduces risk at the highest-value transaction point.

Request a Demo