Signzy vs Worth AI (2026)
A US lender or payment provider looking at these two is deciding whether business verification is one check among many or the whole onboarding and underwriting workflow. Signzy treats know your business checks as part of a broad catalog. Its application programming interfaces (APIs) screen companies against registries in more than 150 countries and all 50 US states, verify employer identification numbers and check ultimate beneficial owners, beside its identity, sanctions and video checks for individuals. Worth AI builds the whole small business file. Its crosswalking technology resolves business identities across Secretary of State filings, IRS records and Google against a database of more than 350 million businesses, prefills an application from three fields, scores credit with the Worth Score, and lets agents clear cases that match the lender's policy while routing exceptions to underwriters with reason codes. After approval it keeps watching the book and underwrites again when ownership or liens change. The shared gap is fairness. Worth scores small business credit and Signzy matches faces, yet neither publishes a fair lending or demographic evaluation of what its models decide.
- Customers include individuals as well as businesses. Signzy checks people with government identifiers, document reading, liveness and deepfake detection alongside its business checks.
- Screening for sanctions and politically exposed persons must run in the same flow. Signzy's anti money laundering suite covers sanctions, politically exposed person, adverse media and watchlist screening in real time.
- The customer base reaches India and the Gulf as well as the United States. Signzy keeps separate catalogs for each, including Indian video identification and trade license checks for the Middle East.
- Payments need watching after approval. Signzy pairs onboarding with transaction monitoring that flags suspicious patterns as they happen.
- Small business applications stall on manual data entry. Worth prefills an application from a business name, address and tax identification number, then crosswalks it across Secretary of State, IRS and other sources.
- Underwriters spend their day assembling files. Worth's agents clear cases that match the lender's policy and send edge cases to an underwriter with the context already gathered.
- Credit policy changes often. Worth lets the institution set approval thresholds, required data points, escalation triggers and routing without engineering, and every outcome carries reason codes.
- Risk teams need to see changes in the book between reviews. Worth's continuous monitoring flags ownership changes and new liens and underwrites again automatically when signals shift.
This comparison is published by AI FinTech Index, an independent research platform that publishes independent ratings of AI vendors for financial services. Signzy and Worth AI are each graded against the same capability taxonomy, from each vendor's own public materials and the regulatory record, under the AI FinTech Index verification standard. No vendor pays for placement, and no vendor has reviewed this page. How this evidence is graded
Plain facts
| Signzy | Worth AI | |
|---|---|---|
| Primary category | AML, KYC & Financial Crime | AML, KYC & Financial Crime |
| Founded | 2015 | 2024 |
| Headquarters | Bengaluru, Karnataka, India | Orlando, Florida, United States |
| Website | www.signzy.com | www.worthai.com |
Side by Side
Select any grade to read the note behind it.
| Axis | S Signzy |
W Worth AI |
|---|---|---|
| AI Centrality | ||
| Autonomy and Oversight Model | ||
| Model Risk Management and Transparency | ||
| Operational and Outcome Evidence | ||
| AI Safety and Data Stewardship | ||
| GLBA and Data Privacy Posture | ||
| Security Certifications and Trust Center | ||
| Regulatory Status and Licensure | ||
| AI Governance and Bias Disclosure | ||
| AI Liability and Recourse | ||
| Model Supply Chain Disclosure | ||
| Core Systems and Integration Depth | ||
| Deployment Model and Data Residency | ||
| Commercial Transparency | ||
| Institution and Segment Coverage |
The short version of each
Signzy
Signzy is a verification and compliance platform sold to banks, lenders, payment providers and enterprises in India, the United States and the Middle East. More than 340 APIs and a no code builder cover consumer identity, business and beneficial owner checks, anti money laundering screening and transaction monitoring, with video identification and an agentic platform for India's central registry. Mule fraud is handled by Trust Scores built on more than 200 signals. More than 500 companies are customers, HSBC, Citi, ICICI Bank and Stripe among them.
Source: AI FinTech Index, 2026
Worth AI
Worth AI sells one platform for small business onboarding and underwriting to banks, credit unions, lenders, fintechs and payment processors. Its crosswalking technology matches business records across Secretary of State, IRS, Google and dozens of other sources against more than 350 million business profiles in over 200 countries and territories. The Worth Score rates credit, agents clear routine cases, and CODI lets underwriters question the reasoning behind the agents' work. PatientFI says Worth cut its merchant onboarding time by nearly 50 percent, and Worth states SOC 2 Type II compliance.
Source: AI FinTech Index, 2026
Common questions
Does either one make the credit decision?
Worth comes closest. Its decisioning engine approves, declines or routes each application to review against rules the institution sets, with reason codes, and the Worth Score supplies a unified credit score. Signzy's credit tools stop at data: credit reports, cash flow analysis and bank statement evaluation that feed a risk profile the lender judges. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
Which covers businesses outside the United States?
Both claim global reach. Signzy checks company registries in more than 150 countries and sells regional catalogs for India and the Middle East. Worth's international platform covers onboarding, identity verification and fraud checks in more than 200 countries and territories, though its deepest sources, Secretary of State filings and IRS records, are American. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
What happens to a business the system declines?
Worth attaches reason codes to every approve, decline or review outcome and logs platform activity with time stamps, which gives the lender something concrete to cite when it explains a decline. Neither vendor describes a way for the declined business itself to dispute an underlying record, so that process sits with the lender. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 13, 2026. No vendor pays for placement.
How do their security credentials compare?
In the AI FinTech Index, Worth now states the report type and criteria of its SOC 2 audit, a Type II covering security, availability, confidentiality, integrity and privacy, which Signzy's untyped SOC 2 claim does not. Signzy holds ISO 27001 certification, a standard Worth says its controls are mapped to without claiming a certificate.
Related comparisons
Other published head to head assessments involving these vendors or their closest peers. The full set for this category is on the Fraud Detection & Transaction Risk page.
Worth's approval, abandonment and onboarding time figures and Signzy's customer and accuracy figures are the vendors' own. The PatientFI figure comes from a customer quote that Worth publishes, without the measurement period behind it.