Onboard and re-verify without re-collecting documents.
Run KYC onboarding against a credential the customer already holds, screen against sanctions and PEP lists continuously, and re-verify without re-collection.
Overview
The shift, in one anchor.
Document-based KYC is slow, repeated at every institution, and a standing fraud surface — every bank re-collects the same ID, proof of address, and selfie, then stores copies it must protect. Civic Anchor replaces that with a one-time, biometric-anchored credential the customer already holds.
At onboarding the customer presents their credential and approves the check; you receive a signed, jurisdiction-stamped confirmation in seconds — no document upload, no shared biometric database, and a tamper-evident record for the regulator. The same anchor then powers continuous AML, sanctions, and PEP screening.
What you get.
- KYC onboarding in seconds, consent-bound
- AML, sanctions, and PEP screening as a continuous overlay
- Re-verification without re-collecting documents
- Webhook-auditable, mTLS-secured verification pings
Where it runs.
Account onboarding
Verify a new customer against a held residency credential in seconds — audit-logged, no document re-collection.
Continuous AML & sanctions
Screen the verified subject against sanctions, PEP, and watchlists as a standing overlay, not a point-in-time check.
Step-up & re-KYC
Periodic re-verification and step-up checks run against the same anchor — no customer re-submission.
Trade & credit reputation
Price risk on a per-subject reputation signal built from real, signed verification history.
Compliance
Built to the regulator, in jurisdiction.
Every verification is defensible to the Financial Intelligence Centre and the Information Regulator — consent-bound, audit-logged, and free of any shared biometric store.
FICA
Tier-1 onboarding and ongoing CDD per the Financial Intelligence Centre Act, 38 of 2001.
POPIA
Data minimisation, lawful basis, and user consent (Act 4 of 2013). Operator agreement issued at onboarding.
SARB
Aligned to the Reserve Bank’s risk-based supervision and built for the IFWG regulatory sandbox.
mTLS + audit
Mutual-authenticated API with a tamper-evident, hash-chained log of every verification ping.
Verify banks & financial institutions against the anchor.
Tell us your integration and we’ll map the fastest path — including the regulatory steps in your market.