Incode invests in privacy-first architecture and acquires Identiq. [Learn more](/content/press/incode-acquires-identiq/index.html) # KYC/AML Compliance ## Ensure compliance with AI-powered KYC/AML verification Increase conversion, stop fraud, and secure your business compliance at every touchpoint of digital identity interactions. Verify identities, assess risk, automate next steps, and generate reports in real time. - **4 seconds** average verification time - **98%** users validated on the first try ## Compliance first ### The pillars of KYC/AML Lay the foundation for fraud prevention and regulatory alignment with a solution designed for global compliance, easy integration, and risk-based automation. .avif) Immediate compliance Stay compliant from day one with local and global Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. Incode’s flexible framework adapts to current requirements and evolves in response to new regulations. .avif) Adaptive risk due diligence Tailor and run customer due diligence for every case and business need, powered by global data connections and dynamic verification flows that assess risk for each user. .avif) Continuous monitoring and auditability Schedule recurring screenings for high-risk transactions, monitor activity in real time, and maintain auditable KYC and AML records to keep assessments current and simplify regulatory audits. ## The Incode Difference ### End-to-end KYC/AML compliance built for growth Incode unifies CIP, CDD, and EDD into a complete KYC/AML flow, compliant with BSA and global AML standards. #### Customer Identification (CIP) Collect and validate essential customer information such as name, date of birth, address, and ID numbers, or data required by local regulations. #### Customer Due Diligence (CDD) Run AML checks, process data, and obtain a holistic view of risk using sanctions and PEP lists, advanced name matching, device intelligence, and behavioral signals. #### Enhanced Due Diligence (EDD) Automatically trigger step-up verification with document validation and biometric checks whenever high-risk users are flagged. #### Complete end-to-end compliance Meet BSA requirements in the U.S. and align with AML/KYC regulations worldwide, all in one seamless, automated flow. ## KYC and AML compliance Discover how our solution helps your business with local and global compliance. ### Holistic KYC and AML End-to-end KYC and AML compliance solutions that safeguard trust, drive growth, and maximize conversion across the customer lifecycle. Stop fraud before it reaches your business. Incode's AI-powered platform helps you stay ahead of evolving threats, streamline KYC/AML compliance, and unlock exponential growth through frictionless identity experiences at every touchpoint. ### Customer identification and verification Establishes the customer’s identity using government-issued documents, biometric checks, or non-document methods in line with regional compliance standards. Incode offers advanced identity verification technology for data verification, document authentication, passive liveness detection, and face biometrics in a single automated flow. ### AML screening and risk assessment Real-time screening against 100+ sanctions lists, 50K+ PEP records, and global adverse media, combined with device, network, and behavioral risk checks. Incode applies AI-driven scoring and advanced name matching to detect anomalies and reduce false positives in real time. ### Ongoing monitoring and escalation Ensures continuous compliance by re-screening customers, monitoring transactions, and escalating high-risk cases for enhanced due diligence. Incode automates periodic checks, triggers step-up verification when risk rises, and adapts flows dynamically to evolving regulations. ### Audit-ready compliance and reporting Maintains complete records of verification data, decisions, and actions for regulators and internal audits. Incode provides a centralized dashboard, audit trails, and automated SAR/STR reporting to simplify compliance operations globally. ### Flexible integration and deployment Supports seamless implementation through SDKs, APIs, and web integrations tailored to your infrastructure. Incode enables fast, developer-friendly deployment with minimal engineering lift and scalable architecture for global rollouts. ## KYC/AML Compliance - Frequently Asked Questions ### What is KYC verification? KYC (Know Your Customer) verification is a regulatory process where financial institutions confirm customer identity, assess risk, and screen against sanctions and watchlists before opening accounts or processing transactions. ### What is the difference between KYC and AML? KYC is the process of verifying customer identity and understanding their risk profile. AML (Anti-Money Laundering) is the broader set of laws and controls designed to prevent financial crime. KYC is a core component of any AML compliance program. ### What documents are required for KYC? Standard KYC documentation includes a government-issued photo ID (passport, driver's license, or national ID) and proof of address. High-risk or enhanced due diligence (EDD) cases may require additional documentation. ### How long does KYC verification take with AI? AI-powered KYC platforms reduce verification time from days to seconds. Incode's system completes the average KYC check in 4 seconds with a 98% first-try pass rate, reducing manual review queues significantly. ### Does Incode support KYC for crypto and digital assets? Yes. Incode's KYC platform is built for regulated digital asset businesses, supporting the identity and AML checks required by FinCEN, FATF, and emerging crypto licensing frameworks. It handles high-volume onboarding with real-time sanctions screening and full audit trails — essential for crypto exchanges, wallets, and DeFi platforms operating under KYC obligations.