TokenAtlasKYC document review
Avg KYC packet: 15 pages ≈ 12K tokens. Review prompt: 2K. Output: 500. On Sonnet: ~$0.05/applicant. At 50K applicants/mo: $2,500.
Fraud explanation generation
Per flagged transaction: ~$0.002–$0.01 to produce a human-readable rationale. Even at 1M flags/mo, cost is under $10K — a fraction of analyst time saved.
Compliance summarization
Long regulatory documents (200K+ tokens) → Gemini 1.5 Pro is the cost leader. Sonnet acceptable; GPT-4o impractical above 128K.
Choosing a model for document-heavy compliance work
Blended at 70/30: Gemini 1.5 Pro = $2.375/1M with a 2M context window, useful when a single regulatory document exceeds the 128K-200K limits of other models. Claude 3.5 Sonnet = $6.60/1M with a 200K window. For a 150K-token document, Sonnet fits; above that, Gemini 1.5 Pro is the model that can hold the document in a single call without splitting it.
What moves a compliance estimate most
Document length is the dominant input in this domain because compliance and KYC documents run to tens of thousands of tokens, dwarfing the output. A jump from 10-page to 25-page average packets roughly 2.5x's the input token count and therefore roughly 2.5x's the input-side cost, holding the model and output length constant.
Assumptions worth writing down for this workload
Record the average document length in tokens (not pages, since token density varies with formatting and tables), the review prompt length, and the expected output length per document. These three numbers, multiplied by monthly volume, are what the modelled estimate is built from — and they are the numbers a finance or compliance reviewer will ask to see re-derived.
A second scenario: a smaller institution
A community lender processing 2,000 KYC packets/month at the same 12K input / 2K prompt / 500 output token shape on Sonnet models to roughly $0.05 x 2,000 = $100/month, versus $2,500/month at the 50,000-applicant scale used elsewhere on this page — confirming the per-applicant rate holds is more useful here than the aggregate figure, since institution size varies by orders of magnitude in this sector.
Translating the estimate into cost per applicant reviewed
The $0.05/applicant figure on this page is the number to carry into a cost-per-account-opened calculation alongside manual review labor, KYC vendor fees, and any human-in-the-loop review step. Keep the AI cost and the human-review cost as separate line items, since the latter typically doesn't shrink linearly even as AI handles first-pass review.
What this page does not do
This page models token cost for document review and summarization workloads based on volumes and document lengths you supply; it does not perform KYC verification, assess regulatory compliance, or guarantee a model's output meets a specific jurisdiction's requirements. Those determinations remain with your compliance function — this page only prices the inference behind them.
Frequently asked questions
- Is patient/customer data safe?
- Use BAA/DPA-covered enterprise tiers from OpenAI, Anthropic, Google or Mistral. TokenAtlas does not store your data.
- Can I run on-prem?
- Mistral and Llama-class models can be self-hosted; TokenAtlas models the breakeven.
- Which model for SAR drafting?
- Sonnet — strongest structured legal/financial output today.