Risk seen before onboarding even starts

Yes. The median response is around 150 ms, which fits inside the request your signup form already makes. The applicant does not wait, and the risk is known when the request is made, not in a batch that runs after the account is open.

KYC or KYB, sanctions, PEP and adverse media, on the same record in one request. One call returns one basis for the decision, so the onboarding team does not reconcile results from separate providers.

So a returning customer is not treated as a new applicant, and one person does not end up with two files. It also catches a previously declined applicant coming back under a variant of their name, whom a fresh check would treat as a stranger.

Down to the ultimate beneficial owners. Each owner and director found along the way is screened in the same request, so the decision covers the people behind the company, not only the entity on the application.

Yes. Retail and corporate applicants carry different score bands, each recorded with its rationale. A single line applied to both either over-alerts on retail volume or under-reviews corporate risk, and supervisors expect the risk-based reasoning to be written down.

Matching is transliteration-aware across Latin, Cyrillic, Arabic, Greek and Chinese, without converting to one script first. Names are compared in their original form, so a variant spelling does not slip through as a new person.

They open as a case with an owner and a reason, not as a stalled signup. The applicant's data, the screening results and the open question sit on the case, so the reviewer can decide quickly and the applicant is not left without an answer.

Approved customers enter ongoing monitoring immediately, on the same record. Due diligence does not end with the onboarding decision, and a customer approved today is rescreened as soon as lists change.

Yes. Whether you onboard or decline, the decision and its evidence are logged on the same record. An auditor can retrieve any onboarding decision years later and see what was checked, what was found and who decided.

At ongoing monitoring. CDD has four parts: identify and verify the customer, identify and verify the beneficial owner, understand the purpose of the relationship, and keep monitoring. The fourth has no end date, so it is the one that slips, which is why onboarding hands each approved customer straight into ongoing monitoring.