AML, KYC & Financial Crime
V

Vouched

Vouched sells document based identity verification, reading photo identity documents, comparing them to a live selfie with liveness detection, detecting tampering and checking details against databases, with plans for financial services, healthcare and automotive and published per verification pricing. It has also built a Know Your Agent line for verifying AI agents: Checkpoint Detect identifies agentic sessions, Checkpoint Govern secures agentic workflows, KnowThat.ai collects reviews of agents, and the KYA OS specification extends the Model Context Protocol for agent identity.

Through an integration with Wink, a face, palm and voice check of the authorizing human runs when an agent is created, after which the agent acts under payment tokens scoped to specific merchants and amounts.

Last VerifiedOctober 2, 2026
Compare Vouched with other vendors
Founded
2019
Headquarters
Seattle, Washington, United States
Website
www.vouched.id
Categories
aml-kyc-financial-crime, fraud-and-transaction-risk, customer-banking-agents
Assessment

Capability Axes

Capability grades

15 of 15 axes rated · 7 graded A or B

AI Capability
AI Centrality
AA on AI CentralityThe artificial intelligence is the product. Remove the models and there is nothing left to sell.
Vendor Published

Reading identity documents, matching them to a live selfie and detecting tampering are all model work, and so is the Know Your Agent line, where Checkpoint Detect identifies AI agents in sessions and Checkpoint Govern monitors agentic workflows. Neither product functions without the models.

Autonomy and Oversight Model
AA on Autonomy and Oversight ModelWhat the system runs alone, what constrains it, and how a person checks it are all published: modes, thresholds, sampling or audit controls, and the route a case takes to human review.
Vendor Published

Authority is bounded at the moment of delegation: biometric verification with live liveness detection confirms the authorizing human when an agent is created, and the agent then spends under payment tokens scoped to specific merchants and amounts. That places the enforcement mechanism inside the decision path rather than after it.

Model Risk Management and Transparency
CC on Model Risk Management and TransparencyTransparency is claimed in general terms with no mechanism a model validator could interrogate.
Vendor Published

Verification accuracy of 99 percent, 97 percent first attempt success and 95 percent conversion carry no method, test set or false match rate, and no accredited attack or government face evaluation result appears. Agent detection is unmeasured, where the figure that counts is how often agentic sessions are correctly identified.

Operational and Outcome Evidence
BB on Operational and Outcome EvidenceVendor aggregate claims with real figures, or audited scale disclosures from a publicly listed company.
Vendor Published

BettorEdge's co founder, speaking for a customer of five years, is quoted, and healthcare customers are credited with more than $1 billion in revenue. Awards and that revenue aggregate describe recognition and scale rather than a measured result tied to a customer.

AI Safety and Data Stewardship
CC on AI Safety and Data StewardshipGeneral assurances that do not answer the question this axis asks, which is whether one customer’s data trains models serving its competitors. Unbounded cross client learning stated with no boundary grades here too.
Vendor Published

KnowThat.ai collects reviews of AI agents and detection improves by watching sessions across customers, so what one enterprise learns about a misbehaving agent informs what others see. What each customer contributes, whether identity images train the verification models and whether a customer can decline are not stated.

Regulatory and Compliance
GLBA and Data Privacy Posture
CC on GLBA and Data Privacy PostureA standard privacy policy that covers the website rather than the service, or silence on a product that touches limited consumer data.
Vendor Published

Identity documents, selfies and biometric captures taken when an agent is authorized all sit on the platform, and the security page commits to deletion on request with AES 256 and TLS encryption. Retention schedules and data processing terms are absent from that page, with the privacy statement kept as a separate document.

Security Certifications and Trust Center
CC on Security Certifications and Trust CenterA single footer line, or certifications asserted without being enumerated, which is weaker than naming them because it invites an assumption a buyer cannot check.
Vendor Published

A badge row mixes SOC 2 audited, an unspecified ISO badge and regulations such as HIPAA, naming neither the SOC 2 report type nor the ISO standard. A platform asking to be trusted as the authority on which agents may act publishes less here than its role implies.

Regulatory Status and Licensure
CC on Regulatory Status and LicensureThe regulatory position is unstated. Most vendors in this index are technology suppliers and being unlicensed is the correct posture, so this grade records silence about the posture, not a missing license.
Vendor Published

Financial services work names no supervisor, statute or instrument, though the custom plan offers a NIST identity assurance level 2 workflow and anti money laundering screening. Know Your Agent and the KYA OS specification are categories Vouched is defining itself, so there is no admission process to pass.

AI Governance and Bias Disclosure
CC on AI Governance and Bias DisclosureResponsible artificial intelligence committed to in policy language with no evaluation behind it, on a product whose bias surface is modest.
Vendor Published

Imperfect paperwork shutting people out of banking and healthcare is the founding problem, and verification that works for them is a real access goal. Face matching carries documented demographic error differentials, agent detection could misread assistive technology, and per population accuracy and an appeal route are unpublished.

AI Liability and Recourse
CC on AI Liability and RecourseMechanisms that enable challenge, such as audit trails and source traceability, with nothing standing behind the output and no route for the person affected.
Vendor Published

Each autonomous transaction carries a verifiable chain of human consent, so an enterprise can reconstruct who authorized it. Someone wrongly rejected by identity verification, or whose agent is wrongly blocked, has no described correction or review path.

Integration and Deployment
Model Supply Chain Disclosure
BB on Model Supply Chain DisclosureSubstantial partial disclosure, or a chain that is structurally short: an explicit in house build, on premise deployment, per customer instances, or zero retention at the model layer.
Vendor Published

Wink supplies the face, palm and voice verification used at agent creation, so an enterprise knows whose system captures its users' biometrics, and the document and face comparison models are presented as in house. Sources behind the database and dark web checks, the hosting provider and a subprocessor list are not published.

Core Systems and Integration Depth
BB on Core Systems and Integration DepthNamed systems or a documented public API, with the depth or the production evidence left open.
Vendor Published

API documentation at docs.vouched.id comes with iOS, Android and React Native SDKs and a no code option, and the KYA OS specification extends the Model Context Protocol for agent identity. Core banking, account opening and payments systems are not named as integration targets.

Deployment Model and Data Residency
CC on Deployment Model and Data ResidencyCloud only with nothing stated, which is the category norm.
Vendor Published

Neither the security page nor the pricing page states a hosting provider, region or private deployment option. Records of what each person authorized an agent to do sit alongside the identity material, which makes location a live question.

Commercial
Commercial Transparency
AA on Commercial TransparencyPublished per unit rates a buyer can price against before any conversation.
Vendor Published

Per verification rates are published before any conversation: Self Starter at $300 a month ($3,000 billed annually) plus 75 cents per verification, and Essential at the same fee plus $1.50, with a 14 day free trial. The monthly billing view shows 70 cents and $1.40, an inconsistency on the page, and the financial services plan and agent products carry no listed rate.

Institution and Segment Coverage
BB on Institution and Segment CoverageNamed segments with dedicated material behind part of the coverage.
Vendor Published

Its own plan, VouchedFI, marks financial services as a named industry beside VouchedRx for healthcare and VouchedAuto, and the agent work governs payment authority for autonomous purchases. Named customers include no bank, lender or insurer.

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The index publishes no overall score or ranking. See what we assess and the methodology.

Commercial

Pricing

Vendor-published figures are labeled as such. Figures labeled “Estimated” are derived from third-party sources and have not been confirmed by the vendor.

Entry Price Pricing Basis Data Protection Terms Implementation Source
From $300 a month (Self Starter), billed as $3,000 annually, plus 75 cents per verification. Essential is the same platform fee plus $1.50 per verification. Custom and industry plans are quoted.
Platform fee plus a per verification transaction fee. Self Starter includes ID capture, fraud detection, facial recognition, liveness detection, a basic dashboard and unlimited support. Essential adds data checks, address verification, IP inspection and dark web analysis, with volume pricing on request. The monthly billing view shows 70 cents per verification for Self Starter and $1.40 for Essential. Custom (Enhanced) adds a NIST IAL2 workflow, driver's license verification, SSN validation, anti money laundering screening, geolocation, white labeling and dedicated support. VouchedFI for financial services, VouchedRx and VouchedAuto are priced on request. The Know Your Agent products are not priced on this page. Not tiered on the pricing page. No implementation fee is published. A 14 day free trial is offered with paid plans. Vendor Published

Taken from Vouched's identity verification pricing page on 2 October 2026. The page shows $300 a month alongside $3,000 billed annually, and different per verification rates in its annual and monthly views, so the exact platform fee and rate are unclear.

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AI FinTech Index

The AI FinTech Index is an independent index that tracks changes to AI vendors in financial services. It holds 610 vendors across banking, lending, insurance, wealth, capital markets and financial crime compliance, each graded on the same 15 capability axes from public sources. No vendor pays for inclusion, placement, or rating.

Index Status
Last index update
October 20, 2026
The AI FinTech Index is an editorial reference, not a regulatory body. Vendor data is verified against published sources and public regulatory filings. Figures labeled “Estimated” have not been confirmed by the vendor. See the Methodology page for evaluation standards and limitations.
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