Payments & Compliance

KYC & AML Verification

Verification that satisfies an auditor without costing you the funnel

  • ID&V
  • AML
  • Sanctions

Two ways to take it

  • White-label — with sourceDeployed on your own infrastructure under your brand, with the source code handed over so your team can extend it directly.
  • SaaS — hostedThe same product on infrastructure we run, priced as a subscription – you get the interface and the API, not the codebase.
KYC & AML Verification
verification case · document, liveness, sanctions
95%
KYC pass rate, 99% in the EU
<1 min
Average verification time
13+
Years shipping production software, since 2013
150+
In-house team, design to launch
Stack
  • PassMe ID&V engine
  • Nuxt.js
  • PHP services
  • Node.js services
  • PostgreSQL

Cases behind this

Products in this line that are running in production, with real users on them.

The module catalogue

Pick a module to see what it does and how it looks.

Document authentication

Document authentication

The first gate: is the document real, and is it theirs.

  • Document capture and authenticity checks
  • Document ownership – the document belongs to the person submitting it
  • Customer location verification
  • Age verification (18+) where the product requires it

Face matching & liveness

The person on the document is the person on the camera.

  • Face match against the document photo
  • Liveness detection
  • Face authentication for returning users
  • Under a minute per verification
  • 95% pass rate overall, 99% inside the EU

Case management

Where the compliance officer actually works.

  • Review queue for manual decisions
  • One case view: document, liveness and sanctions results together
  • Pass/decline statistics and compliance dashboards
  • Audit trail on every check

Sanctions & watchlist screening

Every check runs against 10+ sanction and law-enforcement databases.

  • Interpol Red Notices and UN Notices
  • FBI wanted list
  • Consolidated sanctions lists of the UN, the EU, the UK and the US Treasury (OFAC)
  • National lists: Switzerland (SECO), Belgium, Ukraine (NAZK)
  • PEP and watchlist screening
  • AML monitoring

KYB

Verification for legal entities, not just people.

  • Legal-entity verification alongside personal KYC
  • KYC and KYB in a single onboarding flow
  • In production on our exchange builds

Qualified e-signature

A signature with legal weight, not a checkbox.

  • Qualified electronic signature via accredited certification authorities
  • E-signature sign-in alongside Facebook, Google and Apple ID
  • Shipped on a commodity exchange and a government portal

White-label deployment

PassMe under your brand or inside our builds.

  • Verification as a service, pointed at your own product
  • Embedded in our exchange, gateway and wallet builds
  • Built to GDPR and PCI DSS

Around the check

What turns a verification module into a compliance function: the work we do around the product.

  • AML/CFT procedures

    Internal controls and procedures set up for AML/CFT.

  • AML officer onboarding

    We onboard the AML officer who will run compliance after handover.

  • Certification and audits

    Support through GDPR and PCI DSS audits – the platform passed its own GDPR audit in 2024.

Start

Have a product to build?

Tell us the stage you are at. We will tell you what it takes to ship it – architecture, timeline and team.

One business day · scope, timeline and team