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Platform workflow

How Kycanvas Works

From the first API call to the examiner-ready audit trail — a complete walkthrough of the Kycanvas KYC and AML workflow for fintech compliance teams.

Step 1

Collect identity documents and liveness checks

Kycanvas integrates into your onboarding flow via the REST API or mobile SDK. Applicants capture their government-issued ID using their device camera, followed by a liveness check to confirm they are a live person submitting in real time.

  • Supported document types: US driver's license, US passport, and 50+ country government IDs
  • Mobile SDK for iOS and Android with drop-in document capture UI components
  • Active and passive liveness options depending on your risk tier requirements 
# POST /v1/verification/collect
{
 "applicant_id": "app_8f2c4d",
 "document_type": "us_drivers_license",
 "liveness_mode": "passive",
 "flow_id": "consumer_onboard_v2"
}
Step 2

Verify identity and screen against sanctions lists

Once documents are submitted, Kycanvas authenticates the document, extracts structured identity data, and simultaneously runs AML screening against OFAC, UN, EU, and PEP databases. The full verification process completes in real time with a structured decision output.

  • Document forgery detection via physical and digital security feature analysis
  • Simultaneous OFAC SDN, UN consolidated, EU sanctions, and HMT screening
  • Decision output: pass/review/fail with risk score and contributing signals for examiner review
✓ VERIFIED ⏱ REVIEW ✗ FLAGGED

Verification Response

"verification": {
 "decision": "pass",
 "risk_score": 14,
 "kyc_status": "verified",
 "aml_status": "clear",
 "ofac_hit": false,
 "pep_match": false,
 "cdd_tier": "standard",
 "completed_at": "2025-11-14T14:23:01Z"
}
Step 3

Monitor customers on an ongoing basis

AML compliance is not a one-time check at onboarding. Kycanvas re-screens customers on a schedule you configure — periodic intervals, event-triggered re-screen, or both — and delivers alerts via webhook when risk profiles change.

  • Periodic re-screening: daily, weekly, or monthly cadence per customer risk tier
  • Event-triggered re-screen on transaction pattern changes or profile updates
  • Full audit log of every screening event, decision, and alert — examiner-ready export

Monitoring timeline

Onboarding KYC + AML — Pass
30-day re-screen — Clear
PEP database update — Review triggered
Manual review — Cleared
Risk-based approach

Customer Due Diligence and Enhanced Due Diligence

Kycanvas implements a configurable CDD/EDD tier structure designed to support risk-based compliance programs consistent with FinCEN CDD Rule requirements. Standard CDD for most customers; EDD automatically triggered by risk indicators.

Standard CDD

Applied to customers who pass identity verification with low risk scores and no sanctions/PEP matches.

  • Government ID verification
  • OFAC + UN + EU sanctions screening
  • PEP screening
  • Standard monitoring frequency

Enhanced Due Diligence

Auto-triggered by PEP match, high-risk jurisdiction, transaction pattern anomaly, or operator-configured risk rules.

  • All CDD steps plus adverse media screening
  • Beneficial ownership verification (legal entities)
  • Source of funds documentation workflow
  • Enhanced monitoring frequency

Kycanvas is designed to support risk-based compliance programs consistent with FinCEN CDD Rule requirements. Use of Kycanvas does not constitute certification of compliance.

Start a Pilot — see how Kycanvas fits your onboarding flow.

We are onboarding a select cohort of neobanks, crypto platforms, and high-risk fintechs. Founding pricing locked for 12 months.

Start a Pilot