What we build
An onboarding stack that clears low-risk cases — and brings the right context to the rest.
Each capability is a production component — not a proof-of-concept — wired into your stack, documented for your compliance team, and monitored continuously.
Multi-rail identity verification
Regional identity rails (MyInfo, Singpass, Aadhaar, eKYC) plus best-in-class document OCR and liveness for markets without national ID APIs.
Document OCR + tamper detection
Government ID, passport, utility bill extraction with confidence scoring and tamper flags. Multi-script support including Mandarin, Malay, Thai, Bahasa, Tamil.
Sanctions + PEP + adverse media
Screening against OFAC, UN, EU, HMT UK, MAS-listed, and commercial databases (Dow Jones, LSEG World-Check). Continuous re-screen on change events.
UBO discovery + corporate graph
Multi-layer ownership resolution across jurisdictions. Integrates with ACRA, Companies House, SEC EDGAR, and local registers. Flags complex or opaque structures.
Ongoing / trigger-based monitoring
Scheduled re-screens, plus trigger-based reviews on address changes, new beneficial owners, adverse-media hits, or transaction anomalies.
Tiered risk-based onboarding
Straight-through for low-risk applicants, analyst review for edge cases, full enhanced due diligence for PEPs and high-risk profiles — with clear workflow routing built in.
Onboarding use cases we automate
One engine, every onboarding motion.
Same identity stack, screening layer, and audit trail — tuned per use case. Consumer, corporate, cross-border, periodic refresh, EDD, and VASP flows all run on the same infrastructure; only the rule packs and workflows change.
Consumer onboarding
Digital banking, e-wallet, brokerage, lending — high-volume, straight-through preferred with optional step-up for edge cases.
SME + corporate KYB
Business banking, B2B fintech, merchant onboarding — multi-director, UBO-traceable, jurisdiction-aware.
Cross-border verification
Non-resident applicants, international remittance, cross-border SME — jurisdictional rule packs handle local regs automatically.
Periodic KYC refresh
Risk-based review cadences, event-triggered re-screens, address and UBO change handling — keeps files compliant without manual queue management.
Enhanced due diligence (EDD)
PEP handling, source-of-wealth collection, ongoing monitoring for high-risk customers — automated case routing with full analyst workflow.
Crypto / VASP onboarding
Travel Rule-compliant wallet-address verification, counterparty diligence, continuous transaction monitoring — built for the evolving VASP regulatory landscape.
Model families we deploy
No single model verifies every identity. So we ensemble.
Each model family covers a distinct layer — document, biometric, entity, risk — blending their outputs into a single onboarding-tier recommendation that an analyst can always override.
Transformer-based document models trained on government-issued IDs from 150+ jurisdictions. Confidence calibrated to support straight-through vs. manual decisions.
Selfie-to-ID face match combined with passive + active liveness (random-prompt challenge). Spoof detection for photo, mask, deepfake, and replay attacks.
Handles name variations, transliteration (Cyrillic / Arabic / CJK to Latin), partial matches, and false-positive reduction on common names.
Combines screening hits, document quality, liveness, device signals, and industry risk into a single onboarding-tier recommendation — explainable and overridable.
Data sources wired into every check
Every signal regulators expect — integrated.
Pulled in parallel, normalised into a single onboarding schema, versioned alongside the rule packs that consume them.
Explainability, not just verdicts
A pass alone doesn't satisfy the regulator. A trail does.
Every approve, refer, or decline is accompanied by the exact checks performed, list versions consulted, confidence scores per model, and customer-facing explanation — generated at decision time, indexed for audit, available in the languages your market speaks.
- Per-check confidence + model-version provenance
- Sanctions / PEP list-version path logged
- Customer-facing explanations (multi-language)
- Aligned to FATF 40, MAS Notice 626, GDPR / PDPA
Compliance & governance
Built to pass a regulator's inspection — not just to ship.
Regulator-ready from day one. Delivery includes documentation, list-version auditability, jurisdictional rule packs, and ongoing-monitoring workflows your compliance team, internal audit, and external regulator will all want to see.
FATF 40 Recommendations aligned
Customer due diligence, record-keeping, suspicious-activity reporting all built to FATF's baseline. Every control traceable in the audit log.
MAS AML/CFT Notice 626
Customer risk assessment, source-of-funds / source-of-wealth workflows, ongoing monitoring — aligned to Singapore's current supervisory expectations.
Jurisdictional rule packs
Ship with pre-configured rule packs for SG, MY, ID, TH, VN, IN, PH — with extensible pattern for adding more as you expand.
Continuous + event-driven monitoring
Scheduled risk-based re-screens, event triggers (address change, adverse-media hit, new UBO, transaction pattern), plus full monitoring history per customer.
Regulator-ready audit trail
Every check, every list version, every override, every reason code — stored and exportable in formats your compliance team and regulator will recognise.
Data residency + privacy
PDPA / GDPR / local data-residency patterns supported — per-region deployment, encryption at rest and in transit, right-to-be-forgotten workflows.
Why Axccelerate for KYC / KYB
Not a verification widget.
An onboarding stack.
A point vendor gives you one check. Our stack gives you identity, screening, UBO, ongoing monitoring, and audit — the infrastructure a regulated fintech actually needs.
Pricing
Priced to the onboarding workflow, not the applicant volume.
KYC deployments are custom — we scope against your products, rule packs, and integrations before quoting.
Glossary
The vocabulary behind every onboarding.
A quick reference for the acronyms that show up in KYC and KYB — the terms your compliance team, regulator, and audit file will all use.
- KYC
- Know Your Customer
Identity verification and risk assessment performed on individual applicants at onboarding, with ongoing refresh over the relationship.
- KYB
- Know Your Business
The corporate equivalent of KYC — corporate structure, UBO mapping, director verification, and industry-risk profiling.
- UBO
- Ultimate Beneficial Owner
The natural person(s) who ultimately own or control a legal entity, typically defined as holding 25%+ equity or voting rights.
- PEP
- Politically Exposed Person
An individual whose public role (or close association with such a person) triggers enhanced due diligence under FATF guidance.
- AML
- Anti-Money-Laundering
The regulatory regime aimed at preventing the use of financial services to launder the proceeds of crime.
- CTF
- Counter-Terrorism Financing
The parallel regime aimed at preventing financial services from being used to fund terrorism, usually paired with AML as 'AML/CTF'.
- FATF
- Financial Action Task Force
The intergovernmental body whose 40 Recommendations form the global baseline for AML/CTF regulation.
- eKYC
- Electronic Know Your Customer
Identity verification performed entirely digitally — document OCR, liveness, national-rail lookups — without in-person presence.
- EDD
- Enhanced Due Diligence
The heightened verification and monitoring applied to higher-risk customers — PEPs, high-risk jurisdictions, complex corporates.
- SDD
- Simplified Due Diligence
The lighter-touch verification applied to low-risk customers — smaller limits, domestic regulated entities, low-risk products.
- CDD
- Customer Due Diligence
The standard set of AML checks (identify, verify, assess risk, monitor) applied to every customer at onboarding.
- Travel Rule
- FATF Recommendation 16
Requirement for originator and beneficiary information to travel with virtual-asset transfers above a jurisdictional threshold (typically USD 1,000).
- VASP
- Virtual Asset Service Provider
Exchanges, custodians, and other service providers dealing in cryptoassets — subject to AML/CTF regimes in most jurisdictions.
- AMLD6
- Sixth Anti-Money-Laundering Directive
The latest EU AML directive, covering criminal liability for AML failures, expanded predicate offences, and harmonised definitions.
Your onboarding flow, verified.
30-minute scoping with a senior engineer and an ex-compliance operator. You'll leave with an integration sketch and a realistic rollout timeline.