KYC Software
KYC Software
Automate identity verification, screening and onboarding without losing your audit trail. Your compliance team should be reviewing the hard cases, not keying in passport numbers. Zyphe verifies customers against over 4,000 identity document versions from 213 countries and territories in around 15 seconds, screens them against sanctions, PEP and adverse media data, and records every decision in a form your auditors will accept.
What is KYC software?
KYC software automates Know Your Customer checks: it collects customer data, verifies identity documents, screens against sanctions and PEP lists, and records every result for auditors. It replaces manual review queues, cutting onboarding from days to minutes while producing the evidence trail regulators expect.
The distinction that matters when you compare tools is between software that performs checks and software that defends decisions. Running a document check is the easy part. Being able to show a supervisor, two years later, exactly what was checked, what the system saw, who approved it and why, is what separates a verification API from a compliance platform.
Trusted by those who trust no one.
“Zyphe has completely transformed how we handle KYC data, allowing us to seamlessly share identity information with other financial participants while ensuring that users retain full control over their personal data.”
From onboarding to approval, in your brand
Your customer onboards in a flow that carries your logo and colors. Checks come back in seconds, and every step of the process — liveness strictness, NFC reading, review rules — is yours to configure.
- White-label: your logo, colors and domain
- Document, liveness, sanctions and PEP in one pass
- Workflow rules you control from the dashboard
Rapid user experience with industry leading accuracy
A typical verification completes in around 15 seconds, document check to decision.
Document matching accuracy, measured on live client verifications.
Improvement in onboarding completion, because verified users reuse a credential instead of starting again.
Know your customers with a single click
Zyphe's One-click KYC software streamlines your customer identity verification process, enabling instant, secure, and frictionless onboarding for users already verified on Zyphe.
Identity confirmed · <1s
What KYC software has to do
The KYC compliance software and automation tools that banks, fintechs and crypto platforms use to verify identities at scale, adapting to emerging threats and regulatory requirements.
Identity document verification
Over 4,000 identity document versions from 213 countries and territories, plus Interpol and UN travel documents, across 15 document classes. The full list is published in our documentation, organised by region, country and where relevant by state. A published list is deliberate: a headline country count is a claim, a list you can check before you buy is an answer.
Liveness, anti-spoofing and injection-attack detection
Active liveness with anti-spoof checks against photographs, screens, videos and masks, and a face match against the document portrait at a configurable threshold, 75% by default. Injection-attack detection covers the attacks that never involve a camera at all: synthetic or replayed imagery fed directly into the capture stream, and deepfake presentation. Detection models are updated monthly, and this runs in-house rather than through a third-party biometric vendor, which means one fewer sub-processor in your data map.
Catching documents that aren't forged at all
The hardest category in identity fraud is the fraudulently obtained genuine document: a real ID, issued by the real authority, on false information. It defeats most vendors because there is nothing wrong with the document itself. Zyphe catches it at the document layer and downstream, across signals a genuine document cannot fake: biometric uniqueness, proof of address with name matching, geolocation and VPN mismatch, screening, and transaction monitoring after the account is open.
Sanctions, PEP, watchlist and adverse media screening
Screening covers sanctions, PEP, watchlists and adverse media, for individuals and companies, including UBOs identified during KYB. Fuzzy matching, a 0-100 risk score banded Low, Medium, High and Critical, and a count of contributing sources on every match so a reviewer can see why something fired. Screening runs at onboarding, then continues on list refreshes and event-driven triggers, with updates delivered by webhook.
Ongoing monitoring and an audit trail
A customer who was clear at onboarding may not be clear next week. Re-screening runs on a schedule you set and on list changes, and material changes reach your systems by webhook rather than waiting for a periodic review to notice. Every check, data source, match, override and approver is timestamped, so when a supervisor asks why you onboarded a specific customer in March, the answer is a report.
How it works
Zyphe delivers smart, AI-powered compliance screening that adapts to emerging threats and regulatory requirements.
Easily configure and plug in different identity modules and components based on your company's specific workflows using convenient webhooks and APIs.
Zyphe automatically sets data retention and monitoring requirements based on evolving regulatory needs around the world. Companies can further update monitoring timeframes based on their specific needs.
Customers and their counterparties are screened against global monitoring lists to ensure compliance with regulations around the world. Get notified instantly when someone appears on a monitoring list.
How Zyphe handles your customers' data
Identity documents and biometrics are processed transiently, then encrypted with AES-256, sharded, and stored in the end user's own vault. Zyphe retains only verification results, audit logs and cryptographic proofs, not a central store of customer documents and faces. The practical consequence is that there is no honeypot: a breach of Zyphe cannot expose a full identity record, because Zyphe does not hold one.
Where data is stored, what is retained, and the audit status: the security and trust pageKYC software by industry
- Banks
- Customer Identification Program obligations at account opening, risk-rated due diligence, enhanced due diligence where risk demands it, and continuous monitoring across a large book.
- Fintechs and payments
- You compete on time-to-first-use, and compliance is the friction. The goal is not fewer checks, it is checks that run in the background and only interrupt the customer when something genuinely needs a human.
- Crypto and digital assets
- Travel Rule obligations, pseudonymous counterparties, and supervisors paying close attention to source of funds.
- Online gambling and casinos
- Document verification enforces a configurable minimum age, and the geolocation step checks GPS against IP country, flags VPN and proxy use, and screens against IP blacklists. NFC chip reading is supported for ePassports and eID cards.
How to choose a KYC vendor
An honest checklist, and our answers, including where we are weaker.
- Coverage
- Ask for the list, not the headline number. Ours is published: over 4,000 document versions across 213 countries and territories.
- Accuracy, stated properly
- Ask for false accept and false reject rates separately, on a population like yours. A single blended figure hides which way the errors fall, and rejecting genuine customers costs revenue while accepting fraudulent ones costs more. Ours is 99.8% document matching accuracy on live client verifications, and we will walk you through the breakdown rather than leaving you with one number.
- Manual review rate
- The number that determines your real cost and onboarding time, and the one vendors least like discussing.
- Auditability
- Ask to see a real audit export from a real case.
- Data handling
- Where does customer data live, for how long, under whose jurisdiction? Ours is unusual: documents and biometrics sit in the end user's vault rather than a central Zyphe database.
- Where we are weaker
- KYB register coverage depends on what each country's government makes accessible, and director data is frequently missing from official sources. We supplement it from additional providers, but coverage genuinely varies by jurisdiction. If your book is concentrated in markets with thin registers, ask us about those specific countries before you commit.
- Certifications
- SOC 2 and ISO/IEC 27001 audits are in progress, with completion targeted Q4 2026. Neither is certified today, and we would rather tell you that than let you find out during your own audit.
Why teams choose Zyphe
- No central PII store
- Documents and biometrics live in a user-held encrypted vault and are shared by proxy re-encryption. Zyphe cannot leak, or be compelled to hand over, a full identity record, because it does not have one.
- Agents that can act, behind a non-AI guard
- In Auto-pilot, an agent's decision is enacted only if a deterministic guard also passes. Every action is audited, and missing configuration fails closed.
- Ownership discovery with a cost preview
- Recursive UBO tracing to natural persons, with unresolved branches shown rather than quietly hidden, and reviewers extending branches node by node at a known price.
- Real-time transaction monitoring with provenance
- Every Allow, Review or Block shows exactly which rules fired, and any rule can be dry-run against your stored transactions before it goes live. Backtests are free.
- A process built to be audited, including by AI
- There is a built-in MCP server for agent access, and KYC Passport lets a verified user reuse their verification across partners with consent.
KYC vs KYB: verifying people vs verifying businesses
If your customers are companies, KYC alone is not enough. KYC verifies an individual. KYB verifies a company, its registration, status and ownership, and then requires KYC on the people who ultimately own or control it. Buying these as two disconnected tools is how firms end up with a UBO correctly identified in one system and never verified in another.
Zyphe runs the whole chain in one workflow: entity, then structure, then owners, then verified people, then one audit record. Each UBO and director gets a linked KYC flow with email invitations and scheduled reminders, and the KYB cannot be approved until they complete.
On price: pay per verification, in credits, with volume discounts. Every event consumes credits, and sandbox runs are billed like production unless the person being verified is internal to your own email domain. Model cost per successfully onboarded customer, not cost per check, because a cheaper headline rate with a higher retry and referral rate is usually the more expensive product.
KYB software →Better compliance in 190+ Countries
Banking Secrecy Act
Enforces strict record-keeping and reporting requirements for financial institutions to prevent money laundering and financial crimes in the United States.
Anti-money Laundering Act
Establishes measures and responsibilities for financial intermediaries in Switzerland to prevent money laundering and terrorist financing.
Proceeds of Crime
Canadian regulation requiring financial institutions to detect, prevent, and report suspicious transactions related to criminal proceeds.
Terrorist Financing Act
Legislation enforcing measures in Canada to detect, prevent, and report financial activities linked to terrorist financing.
Anti-money Laundering
Australian regulation mandating financial entities implement robust compliance measures to detect, prevent, and report money laundering activities.
Counter-Terrorism Financing Act
Australian law ensuring financial institutions identify, monitor, and report activities related to financing of terrorism to maintain national and global security.
Integrate in as little as 15 minutes
curl -X POST https://verify.zyphe.com/v1/login_sessions \
-H 'Authorization: Bearer <API_KEY>' \
-H 'Content-Type: application/json' \
-d '{"auth_type": "email"}'
Explore other AI compliance agents
Zyphe's KYC, KYB and AML agents run on the same privacy-first audit substrate and share the same case management, audit trail and decision logic.
Anti-Money Laundering
Screening and monitoring built for regulators
Sanctions, PEP, watchlist and adverse media screening with a banded score and the number of contributing sources, alongside a deterministic transaction monitoring engine that returns Allow, Review or Block.
Learn more →Know Your Business
Verify companies, find the beneficial owners
The authoritative company record is purchased live from 240+ official registries, then ownership is followed through parents and trusts to natural persons, with every owner gated by a linked KYC check.
Learn more →Frequent Questions
KYC software automates the Know Your Customer checks regulated firms must perform: verifying customer identity, validating documents, screening against sanctions and politically exposed person lists, and retaining records for audit.
A straightforward verification completes in around 15 seconds. Cases that need manual review depend on your team's queue, which is why referral rate matters more than headline check speed.
Zyphe achieves over 99% OCR and matching accuracy, and 99.8% document matching accuracy, measured on live client verifications. When comparing vendors, ask for false accept and false reject rates separately: a single blended accuracy figure hides which way the errors fall.
Pricing is usually per verification, often with volume tiers, and sometimes a platform fee. Zyphe charges per verification in credits with volume discounts, and a self-serve tier that is free to start. Your real cost depends on your check mix, pass rate, and how many cases reach manual review, so model cost per onboarded customer, not per check. See Zyphe pricing
KYC software verifies who a customer is. AML software monitors what they do: transaction monitoring, suspicious activity detection and reporting. Most compliance teams need both. Explore KYC & AML software
Yes. Alongside active liveness and anti-spoofing, Zyphe detects injection attacks, meaning synthetic or replayed imagery fed directly into the capture stream rather than presented to a camera, with detection models updated monthly.
No, and no regulator expects it to. Good KYC software clears the obvious passes and fails automatically and routes genuine edge cases to a human with the evidence already assembled. The goal is a smaller, faster queue, not an empty one.
Verifying a business requires KYB, which checks company registration, ownership structure and ultimate beneficial owners, then runs KYC on those owners. Zyphe does both in one workflow. Explore KYB software
Over 4,000 document versions from 213 countries and territories, plus Interpol and UN travel documents, across 15 document classes. The full list is published in our documentation.
The checks are required; the software is not. Regulations mandate customer identification, due diligence and ongoing monitoring, but they are technology-neutral. Software is how firms meet the obligation at scale and evidence that they did.
Identity data is personal data, and AML record-keeping obligations sit alongside GDPR rather than overriding it. Zyphe processes documents and biometrics transiently and stores them in the end user's encrypted vault rather than centrally, retains verification records for the term of the agreement or as legally required, and runs a deletion process that checks each recipient's retention obligations before removing data. Our DPA includes SCCs and the UK Addendum.
KYC Readiness Score
Score how mature your Know Your Customer programme is across verification, automation, fraud defence and audit-readiness.Explore more Zyphe products
Fraud detection software
that stops fraud at onboarding, not in the chargeback report
Fraud detection software that catches forged documents, synthetic identities and injection attacks at onboarding, before the account is ever opened, and keeps watching after it.
Learn more →KYC and AML
in one privacy-first platform
One platform for KYC and AML: identity verification, sanctions, PEP and adverse-media screening, and transaction monitoring, on a privacy-first architecture with no central PII honeypot.
Learn more →Know Your Business
Verify companies, find the beneficial owners
The authoritative company record is purchased live from 240+ official registries, then ownership is followed through parents and trusts to natural persons, with every owner gated by a linked KYC check.
Learn more →