How it works

From download to verified score in under five minutes.

A four-step intake plus a three-step KYC, then the AI score reveal. UpKYC keeps that score current in the background for as long as you keep the app installed.

The 5-step journey

Five steps. One verified profile.

The compressed view — how a new user gets onboard and scored.

1

Download

Install UpKYC. Open. No password — your device is your key.

2

Verify ID

Capture government ID + a liveness selfie. AI does the matching.

3

Profile

Address, profession, purpose. Geolocation + structured fields.

4

Score

Sanctions overlay, behavioural baseline, risk band — one number.

5

Share

Consent-based sharing with banks, regulators or DNFBPs.

System flow walkthrough

Every screen. End to end.

Real pages from the UpKYC system-flow specification — the design your end-users will actually see.

01
Welcome screen

Welcome screen

Branded splash. App identifies itself and opens onto a one-tap start.

02
Account setup

Account setup

Phone number, email + OTP. No password to forget — your device is your key.

03
Identity capture

Identity capture

Government-issued ID front + back. On-device camera with auto-frame and glare detection.

04
Liveness selfie

Liveness selfie

Face-frame guided selfie. Anti-spoofing checks for deepfake and injection before the case is created.

05
Address & profession

Address & profession

Geolocation pin + structured address. Job, industry and source of funds feed the risk model.

06
Sanctions & PEP overlay

Sanctions & PEP overlay

Identity is cross-checked against live OFAC / UN / EU / OSFI lists and tiered PEP databases.

07
Risk-based assessment

Risk-based assessment

AI builds your composite risk band from identity, geography, profession, channel and behavioural signals.

08
AML Score reveal

AML Score reveal

Your score and its driver bars. Each signal carries the reason it changed the number.

09
Consent & share

Consent & share

Tap to share with a bank, exchange, broker or regulator. Every share is logged in the consent ledger.

10
Ongoing monitoring

Ongoing monitoring

Background updates whenever lists, public records or transaction patterns change your profile.

Want a guided walkthrough?

We'll provision a sandbox tenant with your branding and risk-band rules. You onboard a test customer end-to-end in twenty minutes.

Book a sandbox See features