KYC and account opening in under three minutes — without the dropout cliff
Most digital-onboarding implementations get the first part right and the last part wrong: a slick mobile capture experience followed by a forty-percent dropout at the AML or core-banking step. OnboardX runs the full journey — ID verification, liveness, KYC, AML screening, risk scoring, and core-banking provisioning — as a single conversion-optimised flow with sub-three-minute median completion and dropout rates in the low teens.
OnboardX — in the browser
| CHECK | SOURCE | RESULT |
|---|---|---|
| Sanctions | OFAC / UN / EU | Clear |
| PEP | World-Check | Clear |
| Adverse media | Dow Jones | Clear |
| Watchlist | Internal | Clear |
What OnboardX does
Global ID verification
Passport, national ID, driving licence verification across one hundred ninety-six countries with template-aware document authentication, hologram detection, MRZ parsing, NFC chip reading where supported, and tamper-detection ML models. Ninety-nine-point-eight percent accuracy on production traffic against gold-standard datasets.
iBeta-certified liveness
Active liveness with challenge-response gestures and passive liveness with single-frame deep-learning detection. Both layers run on every onboarding to defeat photo, video replay, mask, and deepfake attacks. iBeta Level 1 PAD certified with Level 2 underway. Calibrated to the spoofing threat model in your jurisdiction.
Real-time AML and PEP screening
Sanctions, PEP, adverse media, and watchlist screening against fifteen-hundred-plus global lists in real time via Refinitiv World-Check, Dow Jones Risk and Compliance, or LexisNexis — your choice of data provider. Fuzzy matching tuned to reduce false positives, with structured review workflow for genuine hits.
Configurable risk scoring
KYC and KYB risk scoring engine calibrated to your credit policy, regulatory jurisdiction, and risk appetite. Factors include document strength, geographic risk, behavioural signals, AML hits, and bespoke rules you configure. Output is a risk grade and a recommended treatment routing — straight-through, enhanced due diligence, or rejection.
Core banking provisioning
Account creation in Temenos T24 / Transact, Finacle 10, Flexcube, or custom cores on successful onboarding. The complete journey — KYC clear, risk acceptable, core account opened, welcome notification sent, card initiated — completes in a single mobile session. No 'we will call you back' phase.
Low-code journey builder
Visual onboarding flow designer with A/B testing, funnel analytics, and configurable branching per product, segment, or jurisdiction. Product teams iterate on the conversion-critical screens without engineering tickets. Engineering retains control of the security-critical components.
From start to value in 4 steps
Customer starts journey
Mobile-first responsive UI optimised for low-bandwidth markets. Typically five screens, three-minute median completion. Localised in twelve languages with right-to-left support and culturally-appropriate iconography.
Capture ID and verify liveness
Document capture with on-device quality gating, automatic OCR extraction, document authentication via template matching and tamper detection, NFC chip read where supported, and active-plus-passive liveness check with face-match to the document portrait.
Screen for AML and score risk
Real-time sanctions, PEP, and adverse media screening with fuzzy matching. Risk score computed against your configured policy. Hits route to a structured review queue with full context; clears proceed automatically.
Provision core account and complete
Account created in your core banking, customer record persisted in CRM, welcome notification delivered via SMS, email, and the channel of choice. Card initiation and other downstream actions kicked off via webhook. Total journey logged with audit-grade detail.
Built on proven enterprise tech
Identity verification
AML and compliance
Core banking connectors
Platform and compliance
"Before OnboardX our digital onboarding dropout was forty-two percent — mostly at the manual KYC review step three days into the process. We are now at eleven percent dropout, three-minute median completion, and we add roughly three thousand new accounts a month that we used to lose. The unit economics changed completely."— Chief Digital Officer, Commercial Bank, East Africa
Deploy how you need it
OnboardX — Ready to Deploy
Get a demo and see how it fits your stack.