Onboarding Friction for OTC Desks and Payment Solutions

Been navigating the onboarding process for a new venture focused on digital asset settlement for larger volume participants. The contrast between traditional banking and crypto-native solutions for KYB is stark, and not always in favor of the latter when you get past the initial 'fast' claims. We're talking about significant volume, so payout reliability and liquidity depth are paramount, especially when bridging between fiat and various stablecoins.

I'm curious to hear others' recent experiences, particularly with intermediate solutions or hybrid models. Specifically, how are you mitigating the KYC/AML burden for your clients while ensuring smooth, reliable payouts? The usual suspects often have tiered systems that bottleneck at crucial points, leading to unexpected delays. For example, some PSPs offer great EUR/USD rails but choke on anything even slightly unconventional, forcing a multi-hop solution that eats into margins and adds operational complexity. Are there any operators here who've successfully streamlined this for non-retail flow without running into compliance quicksand or excessive spread/fee structures?