Identity, compliance, and risk workflows for modern financial platforms
Support customer onboarding, business onboarding, AML monitoring, KYT, and step-up verification from one configurable platform built for regulated fintech operations.
Growth gets harder when onboarding, fraud controls, and compliance do not work together
Fintechs need to keep remote onboarding fast while still supporting due diligence, fraud prevention, sanctions screening, business verification, and ongoing monitoring.
Speed up onboarding for legitimate users
Apply stronger checks where risk is higher
Support both KYC and KYB workflows
Enable ongoing AML monitoring
Unify onboarding, fraud prevention, and compliance in one platform
Built around the workflows fintech teams actually need
Support customer onboarding, business onboarding, and ongoing risk controls with one configurable platform instead of disconnected tools.
Customer onboarding
Onboard individual users with configurable KYC workflows that combine ID verification, liveness, face match, AML screening, questionnaires, and step-up checks where needed. Help legitimate users move faster while adding stronger controls when risk is higher.
Verify identity documents
Capture, read, and validate IDs, passports, residence permits, and driver’s licenses across markets.
Confirm real users
Use liveness detection and face match to make sure the applicant is a real person, not a spoof, bot, or replay attempt.
Screen before approval
Run sanctions, PEP, adverse media, and watchlist checks before allowing users into the financial product.
Step up risky cases
Route unclear or high-risk applications to extra checks, Video KYC, questionnaires, or manual review.
Business onboarding
Support fintech flows that need KYB, beneficial ownership data collection, company information, business questionnaires, and review-ready due diligence for legal entities, partners, merchants, SMEs, platforms, or counterparties.
Collect company data
Gather registration details, legal address, business activity, representatives, and required company documents.
Identify ownership structure
Collect UBO, shareholder, director, and representative information to understand who controls the business.
Verify legal entities
Run sanctions, PEP, adverse media, and watchlist checks before allowing users into the financial product.
Assess business risk
Combine KYB questionnaires, ownership data, AML screening, and risk logic before approving business accounts.
Ongoing AML monitoring
Go beyond onboarding with AML screening and monitoring workflows that support sanctions, PEP, adverse media, configurable scoring, and ongoing monitoring logic as customer risk changes over time.
Monitor AML risk
Continue screening customers and businesses against sanctions, PEPs, adverse media, and watchlist updates.
Re-verify when needed
Trigger identity checks again when risk changes, documents expire, account behavior shifts, or regulation requires it.
Track transaction risk
Use KYT controls to monitor transactions, detect suspicious patterns, and flag activity that may require review.
Escalate suspicious activity
Send higher-risk cases to compliance teams with clear results, logs, and supporting verification data.
Fight fraud with smarter verification
Liveness & face match
Confirm that the user is a real, present person and that they match the identity document provided.
Document checks & fraud signals
Detect manipulated, suspicious, or lower-confidence identity documents with verification and fraud analysis layers.
Step-up verification
Apply stronger checks only when risk is higher instead of sending every user through the same heavy flow.
Escalation for exceptions
Route higher-risk or edge-case sessions to manual review or Video KYC when additional assurance is needed.
Designed for a wide range of fintech workflows
Support faster onboarding, stronger fraud controls, and ongoing compliance across the workflows fintech teams deal with every day.
Customer onboarding
Help legitimate users get started faster with remote identity verification, liveness, face match, and AML screening built into configurable onboarding flows.
Ongoing KYC and due diligence
Re-check customers when risk changes, profiles are updated, or periodic reviews are required instead of treating KYC like a one-time event.
Lending and consumer finance
Strengthen application flows with identity verification, biometric checks, AML screening, and risk-based routing that helps reduce fraudulent applications without slowing legitimate users down.
Trading and investment platforms
Support investor onboarding with stronger identity verification and biometric checks that help reduce fake accounts, multi-accounting, and identity abuse.
High-value transactions and sensitive actions
Add step-up verification before higher-risk transactions, withdrawals, or account changes to help prevent account takeover, impersonation, and other high-impact fraud.
Business onboarding
Support fintechs that onboard merchants, SMEs, partners, platforms, or other legal entities with KYB workflows, beneficial ownership data collection, and due diligence processes.
Branchless and cross-border onboarding
Enable remote onboarding across markets without relying on physical branches, and use Video KYC when higher-assurance or more complex journeys require human review.
Account recovery and internal access controls
Use stronger identity checks for account recovery, sensitive access events, employee onboarding, or privileged actions where extra assurance is needed.
Backed by industry-leading standards
Built for fintech teams that need stronger controls, flexible workflows, and audit-ready processes.
FAQ
Frequently asked questions
Everything you need to know about the product and billing.
How quickly can we integrate Identomat into our existing fintech app?
Identomat offers robust, developer-friendly REST APIs and mobile SDKs (iOS and Android). Because our platform is designed for rapid deployment, your engineering team can seamlessly embed our white-label verification flows into your app in a matter of days.
How does your KYB solution handle complex corporate ownership structures?
Our automated KYB workflows pull real-time data from corporate registries to map out complex business hierarchies. We identify Ultimate Beneficial Owners (UBOs) and can automatically run individual KYC and AML screening on those directors within the exact same platform.
Can Identomat verify international users for our cross-border fintech services?
Yes. Our AI-driven OCR engine is trained globally. It automatically recognizes, categorizes, and extracts data from thousands of government-issued ID documents across more than 200 countries and territories, applying localized validation rules instantly.
Will adding biometric checks cause user drop-off during account creation?
No. Our biometric capture is optimized for speed and a frictionless user experience. The Liveness and Face Match checks take only seconds to complete within your native app interface, keeping legitimate users moving while blocking fraudsters.
How do you reduce false positives during ongoing AML and sanctions monitoring?
We use highly configurable risk-scoring algorithms. Your compliance team can adjust exact-match thresholds and leverage secondary identifiers (like date of birth or nationality) to drastically reduce false alarms, ensuring your team only spends time reviewing genuine risks.
How is sensitive financial and biometric data protected on your platform?
Data security is our top priority. All Personally Identifiable Information (PII) is secured using military-grade encryption in transit and at rest. We also offer customizable data retention and redaction policies to help you maintain strict compliance with global frameworks like GDPR and CCPA.
