INDIVIDUAL KYC
KYC for personal customers, from a link you share
Applicants verify their identity, answer your questions and sign your terms on their own device, in six languages. Every applicant is screened, and approved customers stay under watch.
INTAKE
Applicants start on their own
One link brings applicants in, and the spam stays outside.
Your own intake link
Share one link from your website or app. Applicants land on a page with your logo, colours and headline, and start straight away.
Switched on in your settings. Logo and colours: Lift and above.
Or invite them one by one
Your analysts can open a case for an applicant and email them a link to start.
Spam stays out
reCAPTCHA and rate limits on every sign-up. Throwaway or undeliverable email domains never become cases, and suspicious sign-ups wait for your approval before any checks run.
THE JOURNEY
Done on their own device
Each profile chooses which of these steps it asks for.
- Their detailsName, email, phone, country and nationality.
- Identity documentA photo or scan of their ID.
- SelfieSkipped when your identity provider checks liveness itself.
- Confirm and addressThey confirm what their ID shows and enter their address.
- QuestionsSource of funds and a PEP declaration, depending on the profile.
- Review and signThey accept your terms and sign by typing their name.
In six languages: English (UK and US), French, German, Spanish and Italian. Questions and terms you write appear as you wrote them.
CHECKS
Verified and screened as a person
Identity verification
Through the identity provider you choose for each country. If a check doesn’t pass, the applicant can still finish, and your analysts review the result.
Sanctions and PEP screening
Each applicant is screened as a person, using the name, date of birth and nationality from their ID. Adverse media too, with ComplyAdvantage.
PEP declaration
Applicants say whether they, a family member or a close associate hold a prominent public role. Your analysts see the answer beside any PEP match.
Adjudicating PEP matches: Lift and above.
PROFILES
Questions that fit the customers you serve
Ready-made profiles ask the right questions, and the answers on occupation, source of funds and amounts feed the customer’s risk score.
Remittance
Where they send money from and to, how much and how often, why, their occupation and where the money comes from.
Gambling
Income, deposits, the products they use and any self-exclusion, with enhanced due diligence on high monthly deposits.
Your steps, per profile
Choose which steps each profile asks for, from the selfie to the source-of-funds questions.
RISK AND DECISIONS
Low risk approved, the rest with your analysts
A risk model for personal customers
Residence, nationality, occupation, source of funds and wealth, expected activity, screening and identity results, scored apart from your business customers.
Editing the model: Cruise and above.
A default decision policy
Low-risk applicants are approved automatically. PEPs, unresolved screening matches and everything else go to your analysts, and a sanctions match your analyst confirms is declined.
Writing your own policies: Cruise and above.
Enhanced due diligence
When a trigger fires, such as a PEP declaration or a high-risk country or nationality, the applicant answers the source-of-funds questions before they submit.
Choosing the triggers: Lift and above.
AFTER APPROVAL
Still screened after they’re approved
Approved customers are re-screened for sanctions and PEP at the cadence their risk band sets: yearly for Low risk, quarterly for Medium and monthly for High. Your team works any alert on Lift and above.
How monitoring works →WHO IT’S FOR
Built for firms that onboard people at volume
E-money and payment institutions, remittance firms and digital banks, onboarding personal customers alongside their business ones in the same workspace.
FAQ
Questions about individual KYC
- Can applicants start without an invite?
- Yes. Share your intake link and applicants start on their own. Sign-ups from throwaway or undeliverable email domains never become cases, and suspicious ones wait for your approval before any checks run.
- Which languages does the journey support?
- English (UK and US), French, German, Spanish and Italian. Questions and terms you write appear as you wrote them.
- Does every applicant need a manual review?
- No. A default decision policy approves low-risk applicants and sends PEPs, unresolved screening matches and everything else to your analysts. On Cruise and above you can write your own policies.
- Can we use our own identity provider?
- Yes. You choose the identity provider for each country, under your own contract or ours.
- What happens after a customer is approved?
- They are re-screened for sanctions and PEP at the cadence their risk band sets, from yearly for Low risk to monthly for High. Your team works any alert on Lift and above.
See an applicant’s journey end to end
We’ll take an applicant from your link to a decision, on your own rules.