KYC & Digital Identity
Fewer drop-offs, without loosening the checks
We build the identity layer behind regulated onboarding: document and liveness checks, sanctions screening, and credentials a user can reuse, so the same person is not verified from scratch by every institution.
Talk to us about your projectWhy identity work is not just another form
Every institution runs the same checks on the same person with the same documents, and the customer pays for it in abandoned applications. Meanwhile the review queue fills with false positives thrown by a fuzzy name match against a sanctions list. Loosening that threshold clears the queue and moves the problem to your regulator.
Most of this is an engineering problem sitting inside a compliance constraint, so the two get scoped together rather than in sequence. We will also say when a chain adds nothing. If the credential is never presented to a second relying party, anchoring it buys you a hash and a slower release.
Capabilities
What we build for identity teams
Onboarding a new applicant and staying compliant with that applicant two years later are different jobs. Most stacks are built for the first, then have the second bolted on when the first audit asks for it.
Document and biometric verification
OCR and MRZ parsing on passports and national IDs, matched against a liveness capture with presentation-attack detection to ISO/IEC 30107-3.
Sanctions, PEP and adverse media
Screening against OFAC, UN and local consolidated lists, with match thresholds tuned per jurisdiction and automatic rescreening when a list changes.
Reusable verifiable credentials
A completed KYC issued as a W3C Verifiable Credential the user holds, presentable over OpenID4VP to any institution you permit, without a second upload.
Zero-knowledge attribute proofs
A user proves they passed KYC in a permitted jurisdiction without handing the relying party the passport scan or the date of birth behind it.
On-chain anchoring without PII
Verification outcomes hashed and anchored to a public or permissioned chain, so an auditor can prove a check happened while the personal data never leaves your systems.
Vendor and registry integrations
Aadhaar eKYC where permitted, DigiLocker, Central KYC and your existing IDV provider, wired behind one interface so replacing a vendor is not a rebuild.
Risk scoring and fraud signals
Device fingerprint and behavioural signals scored alongside application velocity, so a synthetic identity built from clean-looking documents is caught by how the application behaves.
Case management for manual review
The screen your analysts actually live in: evidence side by side, a recorded decision reason, and a four-eyes step where policy demands one.
Compliance reporting and retention
Decisions, vendor responses and analyst overrides retained for the period your regulator sets, with SAR and STR exports where you carry that obligation.
What you get
What you own at the end
Every engagement ends with artefacts you can hand to a compliance officer or an examiner, not only to the next engineer.
- IDENTITY STACK
- The verification flow in production
- Document, liveness and screening checks running against your vendors, with the decision engine, the review console and full source handed over. Changing a threshold does not require booking time with us.
- POLICY CONFIG
- Thresholds, rules and escalation
- The written record of what auto-approves, what routes to manual review, and what is refused outright, including why each threshold sits where it does. This is the document your regulator will ask for.
- AUDIT TRAIL
- Evidence behind every decision
- Each check, vendor response, model version and analyst override, stored for your retention period and exportable. Enough to reconstruct why one applicant passed in March and a similar one did not.
- OPERATING NOTES
- Vendor costs and failure modes
- What a verification costs per applicant at your document mix, what the flow does when an IDV vendor or a registry API is unavailable, and which check degrades first under volume.
How we work
From regime to a live onboarding flow
Timelines below are typical for a first identity flow. If the regime you file under rules out the design, we would rather find that in week two than after the build.
Regime and vendor scoping
1 weekWe write down which supervisor you answer to, which IDV vendors you already pay for, and what your counsel needs to see before a line is written.
Flow design and pilot
2–3 weeksThe check sequence tested against real historical applications. This is where a credential layer sometimes gets cut or the scope changes shape, which is cheap at this stage.
Build and integrate
6–12 weeksVendor and registry integrations, risk scoring, the review console and the audit trail, built to the thresholds agreed in design rather than tuned by feel at the end.
Tune and hand over
OngoingReading real decisions, cutting false positives out of the review queue, and adjusting rescreening once you can see where analysts genuinely spend their day.
Is this the right fit for you?
Worth reading before you get in touch — it saves both of us a call.
A good fit if…
- You are regulated and can name the regime you file under
- Onboarding drop-off or the manual review queue is a cost you can quantify
- You already pay an IDV vendor and want it wired in properly
- The same customer gets verified more than once across your group
Probably not, if…
- You want a licence or a legal opinion; we build, your counsel signs off
- It is login and SSO, not verification — Web & SaaS Platform Development fits
- You want a chain for the pitch deck, with no second relying party
- Data residency rules out every cloud vendor — start with DevOps & Cloud Infrastructure
Frequently Asked
Questions
Common questions about KYC and identity verification software.
Two things: verify-once-reuse-many (a user completes KYC once, and any permitted institution can trust that verification without redoing it) and tamper-proof audit trails (regulators can see exactly who was verified, when, and by whom). It doesn't replace document checks — it makes the output of those checks portable.
Sumsub, Onfido, Jumio, IDfy, Signzy, Hyperverge, DigiLocker (India), Aadhaar eKYC (where permitted), and direct government registry APIs where they exist. For on-chain identity, we work with W3C Verifiable Credentials and DID (Decentralized Identifier) standards.
Right — and we never put raw PII on-chain. The pattern is: document verification happens off-chain with a traditional KYC vendor, the result gets hashed and anchored to a blockchain (public or permissioned), and users hold credentials in a wallet they control. Zero-knowledge proofs let them prove things like 'over 18' or 'passed KYC' without revealing the underlying data.
Yes. We wire blockchain-anchored identity into standard AML tools (ComplyAdvantage, Chainalysis for on-chain, existing transaction-monitoring systems). Identity becomes a signal inside your existing fraud stack, not a separate silo.
KYC/AML (FATF, FinCEN, RBI, PMLA), GDPR and CCPA for data handling, eIDAS for EU digital identity, and sector-specific regimes where relevant (MiCA for EU crypto, DPDP in India). Compliance framing is scoped with your legal counsel before any build.
Have a project in mind?
Fixed price after a paid discovery — no hourly billing. A real engineer reads every enquiry, and we reply within 24 hours.