Verified onboarding
Confirm every user is real, using identity data, document extraction, liveness detection, and face comparison.
Identity and risk controls built for regulated financial flows
Verify who you're dealing with, validate every recipient, screen against compliance lists, catch fraud patterns early, and strengthen credit decisions all around your payment and account activity.
KYCVerified identity through OCR, liveness detection, and face comparison
AML + FraudRecipient checks, watchlist screening, and controls that catch fraud before it moves money
SignalsCredit and behavior intelligence that sharpens every decision
Overview
Verification built around every sensitive money flow, not bolted on after
Identity & Risk adds local verification, recipient checks, compliance screening, and risk intelligence before accounts are opened or money moves.
Safer payouts
Validate bank and wallet recipients before a single transfer is created or automated.
Compliance screening
Screen names, accounts, NIK, and addresses against high-risk and regulatory watchlists.
Credit intelligence
Draw on phone, social, income, tax, telco, and behavior signals to support sounder financing decisions.
Fraud controls
Reduce exposure to identity theft and account takeover with risk rules built into daily operations.
Risk capabilities
Core ways to verify, screen, score, and protect
Use modular identity and risk services around onboarding, payouts, lending, account access, and compliance operations.
KYC Suite
Verify identity with local data and biometric checks
Confirm identity authenticity against Dukcapil records, with ID card OCR, liveness detection, and face comparison
- Dukcapil verification
- ID card OCR
- Liveness and face comparison
User registrationAccount openingLoan application
Recipient Verification
Validate bank and wallet recipients before payout
Confirm recipient account validity and name matching, so payouts go to the right person the first time.
- E-wallet account validation
- Bank account validation
- Name matching signals
WithdrawalsLoan disbursementSeller payout
Compliance Check
Screen users and recipients for compliance review
Use AML, PEP, blacklist, high-risk, PPATK, and OJK-related screening directions around regulated flows.
- AML and PEP screening
- High-risk and blacklist checks
- Name, NIK, bank account, and address inputs
AML reviewCross-border screeningPayout holds
Credit Scoring
Enrich credit and fraud decisions with local signals
Combine phone, social, income, education, tax, family, fintech, bank, telco, and behavior signals into one clear risk picture.
- Feature profiles
- Fintech, bank, telco, and behavior scores
- Machine-learning risk models
Loan underwritingBNPL approvalRisk segmentation
Fraud Protection
Protect payout and account access workflows
Protect every workflow with verification, transaction controls, whitelist and blacklist rules, API token controls, payment passwords, 2FA, and permission settings.
- Identity theft controls
- Account takeover controls
- Dashboard and API security settings
High-risk withdrawalTreasury accessAPI payout program
Access modes
Connect through the interface that fits the workflow
Dashboard
Run verification and screening through a secure dashboard, with the depth matched to your product journey.
SDK
Embed identity and risk checks natively into your app, with SDK options built for regulated flows.
H5 depending on capability
Launch a hosted verification flow where a full SDK integration isn't needed yet.
Ready to strengthen risk controls?
Build verification into every flow, not just the first one
Talk with our team about KYC, recipient verification, compliance screening, scoring, and fraud controls and how they hold up as your regulated volume grows.