Consistency
Consistent policy enforcement
You set your compliance policy once, and Incode applies it the same way to every customer. The gaps and skipped steps that examiners flag disappear.
KYC & AML Compliance
Automate KYC with built-in compliance controls
Incode runs Know Your Customer (KYC) and anti-money laundering (AML) compliance in one flow. It verifies every customer, applies the right level of due diligence, screens for financial-crime risk, and keeps an audit-ready record of every decision.
The challenge
A fragmented program is hard to run and harder to prove
Regulated institutions must verify who every customer is, check how much risk each one carries, screen them against sanctions and watchlists, and keep records that stand up to a regulator or auditor.
In practice, that work is spread across identity tools, screening vendors, manual review queues, and disconnected logs. The program becomes hard to run consistently. It becomes even harder to prove, because examiners expect evidence on demand.
$0B
TD Bank's 2024 penalty for anti-money-laundering failures, with a criminal guilty plea for failing to maintain an adequate program
DOJ / FinCEN / OCC, 2024
$0B
of that penalty imposed by FinCEN, the largest ever against a US depository institution
FinCEN, 2024
How it works
One KYC flow mapped to your program
Verify identity, assess risk, screen for financial crime, then decide and record. Incode captures evidence at every step.
Why Incode
Run the whole program in one flow
Identity checks, financial-crime screening, risk decisions, manual review, and audit evidence run in one system rather than stitched across vendors.
Evidence
Audit-ready by design
A structured trail preserves every input, check, and decision. You produce evidence for an exam or audit on demand rather than reconstructing it after the fact.
Ownership
Full-stack ownership
Incode builds its core identity, biometric, liveness, and orchestration technology in-house. Institutions get a defensible, controllable program and a faster response when rules or threats change.
Scale
One program across markets
The same configurable system adapts verification methods, screening sources, and policy rules per jurisdiction. A global institution runs one KYC program rather than many.
Use cases
Built for every regulated onboarding
From banks to crypto, the same configurable program applies the right diligence and keeps the proof.
Banks and credit unions
Meet Bank Secrecy Act identification and due-diligence requirements, with evidence ready for examiners.
Fintechs and neobanks
Meet partner-bank and regulator expectations without slowing onboarding.
Lenders and payments
Apply risk-based diligence at account opening, before the account can transact.
Crypto and digital assets
Meet the identity and anti-money-laundering checks that regulators and licensing frameworks require.
Global institutions
Adapt verification methods, screening sources, and policy rules per market on the same program.
Methods
The compliance stack behind every check
Every customer runs through the same core identity and screening stack.
Operations
Casework, policy, and evidence in the same flow
Case management and audit trail
Gives reviewers full customer and session context, manages cases and assignments, and preserves every action as audit evidence.
Configurable policy and orchestration
Turns your compliance policy into automated workflows. The same rules apply to every customer and update as regulation changes.
Step-up and enhanced due diligence (EDD) workflows
Requests more identity evidence, stronger biometric verification, proof of address, or supporting documents when risk is elevated.
Manifesto
Privacy is the architecture
We made privacy a founding conviction long before regulation or the market asked for it. Incode's AI-first identity verification reduces fraud while remaining private and compliant.
Incode stores an encrypted biometric template rather than the raw image, processes on the edge where possible, and encrypts data in transit and at rest. The posture fits BIPA- and GDPR-conscious deployments.
Verified proof
Leading financial institutions run on Incode.
7.1B+
trust checks run on the Incode platform
~4 sec
average KYC check
98%
first-try pass rate
8 of 10
top U.S. banks choose Incode
What customers say
“Stepping up our higher-risk members to document and biometric verification lets Chime keep real people moving while catching more fraud, and Face Login now protects peer-to-peer payments too.”
Operations Manager · Chime
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 is the difference between CDD and EDD in KYC?
Customer Due Diligence (CDD) is the standard identity and risk verification required for all customers. Enhanced Due Diligence (EDD) adds deeper background checks, source-of-funds analysis, and closer scrutiny for high-risk individuals such as politically exposed persons (PEPs).
What documents are required for KYC?
Standard KYC documentation includes a government-issued photo ID (a 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 completes the average KYC check in about four seconds with a 98% first-try pass rate, significantly reducing manual review queues.
What KYC/AML obligations does Incode support?
Incode supports the core controls of the US Bank Secrecy Act:
· The Customer Identification Program (CIP), which verifies who each customer is
· Risk-based Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
· Screening against sanctions, watchlists, adverse media, and politically exposed persons (PEPs)
· The recordkeeping that keeps a program audit-ready
The institution owns its program, policies, and filings. Incode provides the identity, screening, and evidence capabilities that support them.
How does Incode make exam and audit preparation easier?
A structured, auditable trail preserves every input, check, and decision, so you produce evidence for an exam on demand rather than reconstructing it after the fact. You encode policy once, and Incode applies it the same way to every customer, removing the skipped steps examiners flag.
Does Incode replace our screening and case-management vendors?
Identity verification, AML screening, risk-based diligence, decisioning, EDD, and case review run in one system rather than stitched across separate identity, screening, and case tools. That is what makes consistent enforcement and on-demand evidence possible.
Does Incode handle non-US KYC regimes?
Yes. The same configurable program adapts verification methods, screening sources, and policy rules per market, without re-platforming. Examples include the EU's anti-money-laundering rules (AMLR and AMLD6) and the UK's Money Laundering Regulations. In Mexico, the same program meets the banking regulator's requirements (CNBV) and the federal anti-money-laundering law (LFPIORPI).
Does Incode support KYC for crypto and digital assets?
Yes. Incode supports the identity and AML checks required by FinCEN, the US financial-crimes regulator, by the Financial Action Task Force (FATF), and by emerging crypto licensing frameworks. High-volume onboarding runs with real-time sanctions screening and full audit trails, essential for crypto exchanges, wallets, and decentralized finance (DeFi) platforms operating under KYC obligations.
Is screening a one-time check at onboarding?
For this use case, yes. Incode screens each customer at onboarding, before the account opens. Periodic rescreening and ongoing monitoring are separate needs, and related Incode capabilities cover them: Business Verification (KYB) for entities, and account takeover protection for every login after the account opens.
Does Incode handle business or entity KYC (KYB)?
Entity KYC and ultimate beneficial owner (UBO) checks live under Business Verification (KYB). This page focuses on verifying individual customers and keeping that work auditable.
What's next
A KYC/AML program that passes the exam
See how Incode verifies every customer, applies the right diligence, and keeps the evidence ready.