Onlayer

Onlayer is an Ankara-founded regtech and merchant-management platform that unifies the entire merchant lifecycle - discovery, onboarding, and continuous monitoring - for acquiring banks, payment service providers, and fintechs. Its AI-driven system automates merchant onboarding, detects fraud and transaction laundering, and manages PCI-DSS, AML, BRAM, and VIRP compliance in one modular workflow, helping institutions detect risk earlier, act faster, and grow their merchant portfolios with confidence.