{"head":{"title":"How to Build a KYC Onboarding System | OceanLab","description":"How to build a KYC and KYB onboarding system: ID checks, screening, risk scoring, case review, refresh, integrations, compliance and cost drivers.","canonical":"https://oceanlab.in/build/kyc-onboarding"},"slug":"kyc-onboarding","featured":[{"meta":{"slug":"keystep","industry":"banking","projectType":"Digital bank onboarding","country":"ie","tags":["fintech","mobile","saas","enterprise"],"compliances":["EU AML Directives","CJA 2010 (Ireland)","EBA/GL/2022/15","EU sanctions","CRS / FATCA","GDPR","Payment Accounts Directive","Consumer Protection Code","PSD2 SCA"],"cover":{"src":"/case-studies/keystep/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keystep - Digital Bank Onboarding with ID, Liveness and Risk-Based Review","description":"An onboarding platform for an Irish digital bank: applicants open a EUR current account from their phone with ID and selfie liveness checks, and a staff console lets onboarding and financial crime teams review the cases the rules cannot decide, through to an issued Irish IBAN.","category":"FinTech / Digital Banking","client":"Corrib Bank"}}},{"meta":{"slug":"gija","industry":"regtech","projectType":"KYC / KYB workflow","country":"lt","tags":["fintech","enterprise"],"compliances":["Lithuanian AML/CTF Law","EU AML Directives","EU AMLR","EBA Remote Onboarding Guidelines","eIDAS","GDPR"],"cover":{"src":"/case-studies/gija/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Gija - KYC and KYB Case Management with Ownership Tracing and Four-Eyes Approval","description":"Designed and built a clickable KYC and KYB case-management platform for a Vilnius electronic money institution: a case queue with SLAs, individual and business cases with registry comparison and beneficial ownership traced through every layer, an explainable risk score, four-eyes approval and requests for information sent to customers.","category":"RegTech / KYC & KYB","client":"Pamarys Pay"}}},{"meta":{"slug":"gantry","industry":"payments","projectType":"Merchant onboarding & KYB","country":"ng","tags":["fintech","enterprise"],"compliances":["CBN PSSP licensing","MLPPA 2022","CBN AML/CFT/CPF Regulations","CBN tiered KYC","CAMA 2020","NDPA 2023","Visa and Mastercard scheme rules"],"cover":{"src":"/case-studies/gantry/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Gantry - Merchant Onboarding and KYB Platform with Four-Eyes Underwriting","description":"Designed and built a clickable merchant onboarding and KYB console for a CBN-licensed payment gateway in Lagos: an applications queue, a case review that checks CAC, BVN, NIN, liveness and the settlement account name in one place, an underwriting workbench with an explainable risk score, limits and rolling reserves, and four-eyes approvals bound to each approver's mandate.","category":"Payments / Merchant Onboarding & KYB","client":"Lagoon Crest Payments"}}},{"meta":{"slug":"sampan","industry":"banking","projectType":"KYC refresh automation","country":"hk","tags":["fintech","enterprise","saas"],"compliances":["AMLO Cap. 615","HKMA AML/CFT Guideline","Companies Ordinance Cap. 622","UNSO Cap. 537","UNATMO Cap. 575","PDPO Cap. 486","Code of Banking Practice","WCAG 2.1 AA"],"cover":{"src":"/case-studies/sampan/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Sampan - KYC Refresh Platform for Periodic and Trigger Reviews","description":"Designed and built a clickable KYC refresh platform for a Hong Kong bank's existing customers: periodic reviews by risk tier, reviews opened by trigger events, pre-filled case files that show what changed, risk re-rating and a fair, documented ladder for customers who do not respond.","category":"Banking / KYC & Compliance Operations","client":"Lantern Peak Bank"}}},{"meta":{"slug":"vaultgo","industry":"web3","projectType":"Wallet onboarding","country":"jp","tags":["wallet","web3","mobile"],"compliances":["JFSA Crypto","AML/KYC","ISO 27001"],"cover":{"src":"/vaultgo-1.png","width":1218,"height":844}},"text":{"en":{"title":"VaultGo - Self-Custody Onboarding & Recovery for First-Time Holders","description":"Built a focused onboarding, recovery-phrase backup and PIN/biometric setup flow for a Japanese self-custody wallet - designed to convert first-time holders into confident self-custodians, shipped in 8 weeks.","category":"Web3 / Wallet","client":"VaultGo"}}}]}