Banking identity verification, without the friction.

Every passport you store is a liability you keep.

The problem is not that verification is hard. It is that you are storing personal identity documents to do it: passport copies, government IDs, driver licences. Every document you hold is a liability. The maximum penalty for a serious privacy breach in Australia is $50 million per contravention, and the regulator is suing Optus on the basis of one contravention for each of roughly 9.5 million affected people.

Banks already running it

Real deployments. Real results. See how this solution performs with actual clients.

Capture everything cheap first, then pay for one screen.

The e-KYC Medium shape, which is what an ADI onboarding actually needs. Two documents captured in parallel, a third where the policy names one, and the watchlist screen held back until the cheap checks have already eliminated the failures.

1. age_verification Over 18.
2. identity_document Passport, NFC read.
3. identity_document Licence or ID card, captured at the same time.
4. other_document A third document where the policy names one. Two forms of ID, read and matched, not a bill in a drawer.
5. if_else Age and every document valid.
6. personal_info Full name and country, for the screen that follows.
7. watchlist Sanctions, PEP and adverse media.
8. delivery_http The full verification payload, signed, to your core system.
9. end_ok A verified customer, and no document left on your servers.

Only the watchlist screen is billable, and it runs on the customers who already passed. That is the difference between $5M a year and a fraction of it.

What we have written on bank KYC

Longer pieces from The Privacy Stack on the regulation, the cost and the mechanics behind this page.