Know Your Customer

The models carry the core work of turning registry filings into usable data. Optical character recognition, machine learning and natural language processing convert scanned filings into structured fields in real time, and an AI based engine resolves ownership through nominee and holding entities to the ultimate owners. The workflow, risk rules, screening and review scheduling would still run without them, but the registry material feeding them would arrive as unread documents.

Automation stops at the point of judgment. KYC Review refreshes company records on each customer's risk schedule, closes the case automatically when no change is found, and flags new directors, shareholders and other material changes for review, while new screening matches go straight to compliance staff.

Through the API, the platform returns the registry record, the ownership chain, documents and screening result, and it decides a case only where the client has configured rules to do so, with each accept or reject recorded against the person who made it. No confidence threshold is published for the extraction or ownership engine. Every anti money laundering decision, including false positive exclusions, is recorded, and the firm states that a client cannot hand its anti money laundering function to it.

Know Your Customer publishes no extraction accuracy, ownership resolution error rate or validation method for its models. Each company record arrives with the original registry filings beside the structured report built from them, so a reviewer can check the resolved ownership chain against its sources, and every action and review step sits in an immutable record with the documentary evidence.

The figures published, 95 percent faster onboarding and an average response of 1.2 seconds for the AI agent, are not tied to a named client. The named clients carry the weight instead: DBS Hong Kong works with Know Your Customer to streamline customer due diligence and automate small business onboarding, Standard Chartered Hong Kong uses it to simplify small business loan applications and reviews, and Neat Commerce chief executive David Rosa is quoted on its support for Neat's growth.

Whether client data trains the extraction or ownership models is not stated. The boundary that is stated is categorical: all client account data is encrypted and every account is completely isolated from the others. The privacy statement also says Anthropic, used for internal operational analytics, is not used to automate customer facing communications or to take decisions affecting individuals.

The privacy statement sets out both roles: a processor for the customers of its client institutions, whose data remains accessible only to the engaging client, and a controller for its own marketing and corporate data, with a public list of the subprocessors behind those controller activities. The platform's own subprocessor list goes to clients through their contracts. Stated security measures include multi factor authentication, 256 bit encryption at rest and encrypted transport, and retention follows statutory requirements and internal policy.

The company names no certification, attestation report or trust portal of its own. Security rests on Microsoft Azure's infrastructure and on the controls the company describes: multi factor authentication with role based access, 256 bit encryption at rest, encrypted transport and regular audits.

In the standard product, webhook deliveries carry no authentication header or signature, so the receiving endpoint has to be kept private, and encrypted delivery is available as an extension negotiated client by client.

The regulatory position is stated plainly: Know Your Customer supplies information and tooling, and its clients keep their anti money laundering obligations, which they cannot delegate or outsource. Single company records are sold with the buyer acting as an independent data controller responsible for its own lawful basis. It claims no license or supervisor of its own, which fits a data and software supplier.

Identity checks include facial recognition, face comparison and liveness detection on documents from more than 180 countries, run through Au10tix, a check with a known demographic bias risk, and no evaluation of how it performs across groups is published by Know Your Customer or tied to that provider. No AI governance policy or named review process appears either. What the platform does show is control over outcomes: every screening decision is recorded, and material changes reach a person before a record is updated.

A company whose ownership is resolved wrongly has no described route to correct it, and the client keeps all of its anti money laundering responsibility. What Know Your Customer offers toward a challenge is the immutable record of every action, decision and false positive exclusion, with the registry documents kept as evidence.

Extraction runs on what the company calls proprietary technology, combining optical character recognition, machine learning and natural language processing. Identity verification comes from a specialist provider, which its developer documentation names as Au10tix, while the models behind the AI agent and the ownership engine go unnamed. Microsoft Azure hosts the platform, and the platform's subprocessor list goes to clients under contract. Anthropic appears only among the suppliers to the company's own internal operations.

KYC Data is the layer other systems call, exposing registry, ownership and screening data through one application programming interface with a public reference and a sandbox built to return the same answers as production, with its deliberate differences listed so an integration suite can test against it.

Ten webhook event types push case changes to the client, while screening alerts from ongoing monitoring are collected by polling, and review dates can be set on each case for periodic re review. Named partners include Napier, Hawk AI, Provenir and Dow Jones, the AI agent runs registry searches with no integration at all, and a server for the Model Context Protocol is announced as coming soon.

The platform runs on Microsoft Azure without a published list of regions, and clients are told that because the data belongs to them, they control where it is stored and how it is accessed and deleted. A published service level agreement backs the hosted service with credits against monthly fees when uptime falls short, acknowledgement of support queries within 24 hours, resolution within 24 hours for an outage and 72 hours for issues such as a failed jurisdiction or missing screening results, and at least 90 days notice of adverse changes. Releases run outside business hours with up to two weeks notice to affected clients.

Single company records are sold on demand by card, with one price per record shown before purchase, no contract, minimum, subscription or sales call, and a price that varies by jurisdiction with each register's own charges. The platform products, KYC Workspace, KYC Data and KYC Review, are priced through a demo request.

Banking, payments, corporate services and real estate each have their own industry page, and clients span 11 sectors in 18 jurisdictions, from Tier 1 banks and a virtual bank in Hong Kong to an electronic money institution in Lithuania and fintechs in Europe.

Registry reach is wider than the client base: Know Your Customer connects to more than 500 local registries in 153 jurisdictions, down to provincial level in Canada, where it lists what each province returns and how fast, from real time in British Columbia to a two hour registry extract in Alberta. The weight of its clients sits in Asia and Europe, where its offices are.