Who Ironbark is built for

Five Australians who need a Trust Score more than they need another dashboard.

Australia has a verification gap. The 90,000 businesses newly captured under AUSTRAC Tranche 2 on 1 July 2026 need to check who they're doing business with: not every week, not every month, but every time a settlement exchanges, every time a new client signs up, every time an invoice comes in from someone new. The enterprise AML platforms cost $30,000 a year. The free ASIC lookups miss AUSTRAC enforcement actions, miss DFAT sanctions, miss Federal Court judgments, miss the composite picture. Ironbark is what sits in the middle. Five Australians show up in our data; here's what each one gets.

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Sole-practitioner conveyancer · Perth · 52 settlements last month

Claire Nguyen

What Claire does

30–60 residential conveyancing settlements a month. One paralegal. Sole-practitioner practice. Every settlement runs $500K–$2M through her trust account. Over a month she has $1M+ in other people's money in motion. Every party in every transaction is a Tranche 2 designated service: vendor, purchaser, real estate agent, mortgagee. Claire is personally liable if a counter-party turns out sanctioned mid-settlement, bankrupted with undisclosed liabilities, or has a disqualified director signing the contract.

What keeps Claire up at night

She has 30+ active matters at any moment. ASIC doesn't email her when a vendor gets named in a Federal Court matter. AUSTRAC doesn't tell her when a purchaser's related party gets named in an enforcement action. AFSA doesn't notify her when a director of the purchaser's corporate trustee enters personal insolvency. She either pays for enterprise AML monitoring she can't afford, or she hopes.

What Ironbark gives Claire

Pre-settlement Trust Score on every ABN in the file.
One lookup, six sub-scores, audit-trail PDF in her working-papers folder. $0.49 per check.
Continuous monitoring on 15 active ABNs (her Solo tier).
If any of them get a new Federal Court matter, an AUSTRAC enforcement listing, a sanctions hit, or a director disqualification, Claire's email gets a notice the day the register updates.
Audit-trail defensibility.
Every check is timestamped, every sub-score names its source, every field carries a refresh date. It holds up under an AUSTRAC review.
Price she can pay.
$29/mo Solo tier, or pure PAYG at $0.49/check. No enterprise contract.

“It's the insurance policy I actually read the terms on.”
Claire Nguyen

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Commercial + property law partner · Brisbane · 6 lawyers + 4 paralegals

Liam Park

What Liam does

Partner at a boutique commercial firm: commercial contracts, property, trust, small M&A. His firm never had AML/CTF obligations before Tranche 2. Now every new matter intake for a new client, and every ongoing matter for existing clients, needs a CDD workflow. He's not interested in becoming an AML compliance specialist. He wants the firm to tick the box correctly on the record, cheaply, for every matter.

What keeps Liam up at night

AMLCO responsibility can't be outsourced. Someone on his partnership has to wear it. He doesn't have budget for a full-time compliance hire; he has budget for software that makes the partnership's AMLCO's job take 20 minutes a week instead of 20 hours.

What Ironbark gives Liam

Pre-intake Trust Score per new client ABN and per related-party ABN.
Bulk-import CSV at matter-open; one-click run.
Per-matter export.
Every matter file has a stamped Ironbark report showing the Trust Score state at the date of intake.
Ongoing monitoring across all active matters.
The firm's 120 active ABNs all monitored continuously. Whichever partner or paralegal is running the matter gets alerted via email when a monitored entity changes.
Methodology reference in work-product.
Pro tier lets the firm cite the Ironbark methodology URL in its own AML/CTF program documents, saving Liam drafting the "why this tool is fit-for-purpose" justification.
Professional tier pricing: $99/mo.
Well under the enterprise alternative at $30k/yr.

“Tranche 2 was going to cost the firm a partner's headcount. Now it costs the equivalent of a monthly subscription.”
Liam Park

Professional tier

Accountant · Public practice · Adelaide · 8 staff · 180 clients

Aisha Patel

What Aisha does

Public-practice accountant: BAS + tax + SMSF + small advisory. Services range from monthly bookkeeping to once-a-year company tax returns. Some of her services fall under Tranche 2 (trust structuring, entity creation, shell-company advisory); most don't. She needs to screen only certain clients for certain services, not run her whole book through an AML wash.

What keeps Aisha up at night

Knowing which services trigger the obligation. The AML/CTF Act's designated-services list is thick with accountant-specific edge cases. She doesn't want to pay for 180 client checks when only 30 actually trigger scope.

What Ironbark gives Aisha

Per-service scoping tools.
The Trust Score check is run only against ABNs the firm identifies as in-scope. No bulk-overscreening.
Service-level documentation.
Each check logs the AML-designated service the check was performed against. Audit trail lines up with AUSTRAC rulings.
Integration-ready for accounting software.
Ironbark's Xero + MYOB + QuickBooks connectors (Phase 3) surface the Trust Score directly in the client panel. Today: manual ABN paste.
Solo Plus tier: $49/mo.
Sized for the 30-ish in-scope clients plus 25 ABN monitoring.

“I pay for the checks I actually need, priced like software, not like a consulting firm.”
Aisha Patel

Solo Plus tier

Buyer's agent · Sydney · 20+ concurrent mandates

Ben Archer

What Ben does

Buyer's agent for high-net-worth residential and commercial property buyers. Each mandate involves 5–15 counter-parties: vendor, vendor's trustee company, selling real-estate agent, buyer's lender, buyer's mortgage broker, conveyancer on each side, any corporate nominees. 20+ mandates at any moment equals 100–300 active counter-party ABNs in motion. Misreading any one counter-party's status costs him a client's money and his own professional indemnity.

What keeps Ben up at night

He's not in Tranche 2 scope (buyer's agents aren't designated-service providers). But his clients are often in Tranche 2 scope (HNW investors using trust structures), and his duty of care to his clients effectively makes him one-removed-from-the-obligation. If a vendor turns out sanctioned and Ben's client loses the deposit, Ben loses the client.

What Ironbark gives Ben

Per-mandate counter-party check.
Every mandate gets a bundle check: all 5–15 counter-party ABNs scored at mandate-opening.
Ongoing monitoring for the mandate duration.
If any counter-party changes state during the 4–12-week mandate window, Ben's client and Ben both get notified.
Business tier: $249/mo, 1,000 checks/month, 100+ ABNs monitored.
Sized for 20+ concurrent mandates.
White-label embed widget (Phase 2).
Ben's client portal shows each counter-party's Trust Score in real time, branded to Ben's agency.

“I hand my clients a Trust Score reading on every counter-party before they sign. It's become the reason they refer me.”
Ben Archer

Business tier

Principal · Real estate agency · Melbourne · 12 agents · 300+ listings/yr

Rachel Deleon

What Rachel does

Principal of a mid-size real-estate agency. Sales and leasing, residential and commercial. 12 agents. She's in Tranche 2 scope for property transactions above certain thresholds. Each of her 12 agents needs to run CDD checks on buyers and sellers for in-scope transactions, but only the in-scope ones.

What keeps Rachel up at night

AMLCO responsibility at the principal level, but execution at the agent level. She needs a tool that lets each agent self-serve the check without her approving every one, but also keeps a central log she can show AUSTRAC.

What Ironbark gives Rachel

Multi-user Business tier.
Each agent gets their own seat, each check logged against their user-id and matter-id.
Central audit log at the principal level.
Rachel sees every check run across the agency in one dashboard.
Agent-level monthly allocations.
Rachel sets check budgets per agent; Ironbark enforces the quota.
Per-listing embed.
Each listing page on the agency's website can embed the Trust Score of the vendor and corporate vendor's directors. Phase 2 feature. Marketing moat.
Business tier scales.
1,000 checks/mo is enough for a 12-agent agency; Enterprise tier when it's not.

“12 agents all running compliance correctly, one principal-level audit trail. That's what the regulator expects to see, and that's what I can show them.”
Rachel Deleon

Business tier

Not on this page? You probably still need one.

NDIS providers, crypto exchanges, corporate advisory, TCSPs, precious metals dealers, franchise networks, procurement teams. Every Australian business that takes on counter-parties can build a defensible verification stack with Ironbark. The five personas above are the most common early adopters. Yours probably isn't far away.

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How we build for you

The same product, three commitments.

Methodology

Every Trust Score is 0–100 from six sub-scores with published weights, named data sources, and refresh cadences. When the methodology changes, every rating changes, and every customer sees the change-log entry.

Read the methodology

Pricing

From $0.49 per check ex-GST. Credits never expire. Solo tier at $29/month for sole practitioners. Enterprise pricing on request. No quote forms; every price is on the page.

See pricing

Monitoring

Every subscription tier includes continuous monitoring on your watch list. Federal Court, AUSTRAC enforcement, AFSA insolvency, sanctions, ASIC disqualification: notified the day the register updates.

See the platform

Common questions

The questions every persona on this page asks first.

Full FAQ on the methodology page. These are the five we hear in every first call.

Do I need to be in AUSTRAC Tranche 2 to use Ironbark?

No. Ironbark is a verification and monitoring tool for any Australian business that takes on counter-parties. Tranche 2 entities (lawyers, accountants, real-estate agents, conveyancers, TCSPs, precious metals dealers) are the highest-leverage early adopters because the obligation is new and the deadline is 1 July 2026, but buyer's agents, NDIS providers, crypto exchanges, procurement teams, and corporate advisory all run defensible verification stacks on the same product.

How is the Trust Score different from a credit rating or a sanctions check?

A credit rating models default probability. A sanctions check answers a single yes/no against one list. The Trust Score is a 0–100 composite from six published sub-scores (registration validity, directorship, AUSTRAC flags, sanctions/PEP, court and insolvency, freshness) drawn from authoritative Australian registers. It is a documented starting point for a verification decision, not the decision itself, and not a credit rating.

Will Ironbark replace my AML/CTF programme or my AMLCO?

No. Ironbark is the verification and ongoing-monitoring layer that sits inside the programme. The reporting entity keeps the programme, the AMLCO role, the SMR/TTR filing obligations, and the regulator-facing accountability. Ironbark gives the AMLCO an audit-trail-ready record of every counter-party check.

What does monitoring actually do?

Ironbark watches your saved ABNs against the same six registers continuously. The day a monitored entity gets named in a Federal Court matter, an AUSTRAC enforcement listing, a sanctions intersection, an ASIC disqualification, an insolvency event, or an ABR status change, your email gets a notice. The number of ABNs you can monitor continuously scales with tier (15 on Solo, 25 on Solo Plus, 100+ on Business).

Can a sole practitioner actually afford this?

Yes. The Solo tier is $29/mo (ex-GST) for 50 checks and 15 monitored ABNs. PAYG is $0.49 per check with no minimum and credits never expire. The whole pricing surface is on /pricing — every price shown ex-GST and inc-GST, no quote forms.

Three free lookups. No card. Credits never expire.

Pick any ABN you're about to work with. Get the Trust Score, read the six sub-scores, see every source. If it's useful, stay.

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