UpKYC packages the screening, identity and risk-scoring engines used by financial institutions into a mobile app every customer can use. Consent-based, AI-driven, and built around your AML Score.
A clean, four-step flow takes a new user from download to a verified AML Score in under five minutes. The same flow updates continuously in the background — new sanction list, new score; new transaction pattern, new score.
Each pillar runs continuously in the background — the app surfaces only what changes your score or needs your attention.
OFAC, UN, EU, OSFI consolidated lists — refreshed multiple times daily.
LivePolitically exposed person screening across domestic, foreign and international PEP tiers.
Tiered40+ language coverage. AI summarises the article, the source and the connection to the user.
AI-summarisedGovernment ID capture, selfie liveness, anti-spoofing for deepfake and injection attacks.
Anti-spoofComposite risk score, recalculated on every signal. Single number, full explainability.
Real-timeDevice + IP + behavioural signals to detect account-takeover and mule patterns.
BehaviouralSuspicious-activity reports generated, narrative-drafted, and filed to FINTRAC on schedule.
Auto-draftedContinuous re-scoring against transactions and new public-record events — not just day-one checks.
ContinuousHigh-risk profiles route to a Certified Money-Laundering Officer for human-in-the-loop review.
Human-in-the-loopWalk through every screen of the app and the back-office — from intake to accept — in our system flow.