Onboard personal and business clients in every market with two layers of KYC: our internal KYC checks every case in a back office you configure, then an external provider verifies identity and screens every name.
Two layers
Personal KYC and business KYB both run through two layers. Our internal KYC checks every case in the back office, then your external provider verifies it and screens every name. The final decision stays with the licensed entity.
Ours, and configured by your team in the back office (the Control Panel). Every case passes it first, and it adds checks a provider doesn’t do.
Only complete, wanted cases move on, so you pay for fewer external checks.
A provider per market or check confirms the case is genuine. Its result comes back to the same case, and a refer, a fail or a screening hit goes back to an operator.
How a case moves
One example setup. Every route passes internal KYC first, and every case that can open an account is screened against sanctions and PEP lists at a provider before it does.
Internal KYC finds nothing that needs a person, so the case skips manual screening. The provider still checks it and screens every name.
A routing rule sends the case to an operator in the back office before any paid check.
The case doesn’t restart. It keeps its history and goes back to the operator with the new answer.
A sanctions, PEP or adverse-media match, a refer or a fail never opens an account on its own. The licensed entity makes the final decision.
The rule is about countries, and it runs before any paid check. Name screening against sanctions and PEP lists happens at the provider.
Your setup
Four examples, from the lightest check to the heaviest. Each scenario has its own forms, rules, risk weights and providers, set in the back office, and every one includes sanctions and PEP screening.
Internal KYC, in the back office
Build a form in the back office and see it live in the app preview. Mark each field mandatory or optional, or ask it only when an earlier answer calls for it.
Collect text, dates, yes/no answers, lists of options, multiple choice, documents and photos, and repeating blocks. The app shows the new version without a release, and customers part-way through finish on the version they started.
Every case is scored the moment it’s submitted, and rules run top to bottom: the first match decides. A case is rejected automatically, sent to an operator, or fast-tracked to your provider. Only accepted documents go to the provider.
Rules and risk weights are set per market, product or client, and change any time.
Text is read from each document and compared with the customer’s answers, with quality checks for sharpness, glare and the machine-readable zone.
Approval stays locked while a document is unclear, and operators can correct any value that was read.
Each tier carries its own limits and permissions, and your team defines the tiers. A customer can start on a basic wallet and move to full KYC for higher limits without starting again.
An operator asks for a file, text or a date and writes a note. The customer sees what’s needed in the app and answers in the same case, which keeps its history and goes back to review. It doesn’t restart.
The same works after the account is open: ask for KYC or KYB again whenever you need to, for example when a visa or ID document expires, or when a company has to renew its registration.
One page per case: risk score, documents, answers and history. From there an operator asks for more, rejects or sends the case on.
Screening hits from the provider are reviewed on the same page.
The same journey runs on iOS, Android and web; only the forms differ. People give personal details, ID, a selfie and proof of address.
Businesses give company details and addresses, then their directors and owners with documents, and company documents. A completed KYB creates the business wallet.
When the case is approved, the app shows Approved and the wallet switches on.
When it isn’t, the customer sees Not approved, with no reason given, and can apply again later. No money is taken.
Sumsub
OnfidoConnect providers such as Sumsub or Onfido, with AML screening such as ComplyAdvantage, or your EMI or BaaS partner’s KYC/KYB. Each market or check can point to a different provider, managed from the back office.
Reliability and security
Missing documents block submit. Files are checked by content, with a 10 MB limit.
Timers live in the database and resume after a restart or a slow provider.
Sign-in codes, roles and a permission for every route. Every action is audited.
Another customer gets “not found”. Files are owner-only, and logs hide personal data.
Every requirement has an ID and a test that names it, and a gate checks it.
Security rules can’t be weakened without a human-approved change.
Integration
Next step: a free technical session, where we map your markets, tiers and providers onto scenarios, live in the back office.
Our KYC/KYB module sits between your platform and the providers. You keep your backend and ledger; we send back the decision and status.
Providers are added by configuration and called only when needed.
If you’d rather build KYC/KYB yourselves, our engineers join your team and bring the same forms, rules and screening approach.
Checklist
Where each one is available. The full feature list covers every module.
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| KYC/KYB data managementUsers provide and update the identity data needed to verify a person or a business. | Individual appAvailable | Business appAvailable | Not available |
| Verification tiersVerification levels, each with its own limits and permissions, that users move through as they verify. | Individual appAvailable | Business appAvailable | Not available |
| Verification statusesUsers always see the current status of their verification. | Individual appAvailable | Business appAvailable | Not available |
| Tier-based permissionsWhat a user can do in the app depends on the verification tier they have reached. | Individual appAvailable | Business appAvailable | Not available |
| External KYC provider integrationIdentity checks run through an external KYC provider connected to the product. | Individual appAvailable | Business appAvailable | Not available |
| Sanctions and PEP screeningEvery case, the basic wallet included, is screened against sanctions and PEP lists at a provider before an account opens. | Individual appAvailable | Business appAvailable | Not available |
| Verification queue with search and filtersStaff work through KYC and KYB requests in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| KYC/KYB review cardStaff review each verification request on a single card with its submitted data. | Not available | Not available | Back officeAvailable |
| Tier management: limits and permissionsStaff define verification tiers and the limits and permissions attached to each one. | Not available | Not available | Back officeAvailable |
| External KYC provider settingsStaff manage the connection to the external KYC provider from the back office. | Not available | Not available | Back officeAvailable |
| KYC/KYB form builderStaff build and change verification forms with a live preview, and the apps show them without a release. | Not available | Not available | Back officeAvailable |
| Scenarios per market and tierEach market, tier and client type gets its own forms, rules, risk weights and providers. | Not available | Not available | Back officeAvailable |
| Risk scoring and routing rulesEach submitted case is scored and routed: rejected, sent to an operator or fast-tracked to a provider. | Not available | Not available | Back officeAvailable |
| Information requestsStaff ask for a file, text or a date at any time, for example when a document expires, without restarting the case. | Not available | Not available | Back officeAvailable |
| Automatic document readingText is read from each uploaded document and compared with the customer’s answers. | Not available | Not available | Back officeAvailable |
Case studies
Related modules
Custom onboarding journeys with built-in KYC/KYB, approval rules and leading verification providers.
Fee rules, wallet and credit limits, and payment routing, set from the back office.
Staff access, administrator roles and permissions, and a card for every user.
From the blog
Every case, personal KYC or business KYB, passes our internal KYC first: configurable forms, risk scoring and routing rules, automatic document reading and operator review in the back office. Complete, wanted cases then go to an external provider, which confirms documents and identity, checks company records and screens every name against sanctions and PEP lists. The provider’s result comes back to the same case.
Yes. Each market, tier and client type gets its own scenario, with its own forms, rules, risk weights and providers, set in the back office. Changes reach the app without a release.
Yes. Every case is scored and routed the moment it’s submitted. A case from a sanctioned country is rejected automatically, high-risk cases go to an operator, and only complete, wanted cases reach a paid provider.
Yes. Every case, the fast track and basic wallet included, is screened against sanctions and PEP lists at a provider before an account opens. Any hit goes back to an operator.
Yes. You can ask for KYC or KYB again at any time, for example when a visa or ID document expires, or when a company has to renew its registration. The customer answers in the app, and the request is added to their history.
Yes. A customer can start on a basic wallet with low limits and upgrade to full KYC for higher limits without starting again. Each tier carries its own limits and permissions.
The licensed entity. Finamp is a technical provider: the platform screens and routes cases, the provider confirms documents and screens names, and the final decision stays with the licensed entity.
The platform has its own KYC/KYB, and connects to external providers such as Sumsub and Onfido or to your EMI or BaaS partner’s KYC/KYB. A provider you already work with can be added, and each market or check can use a different one.
With a free technical session: we map your markets, tiers and providers onto scenarios, live in the back office. The module then runs beside your backend, or our engineers join your own KYC/KYB build.
