Reference stack
Build a KYC and AML stack
Combine identity verification, business onboarding, screening and transaction monitoring into one compliant flow.
Compliance teamsFintechsGlobal
Infrastructure layers
01
Identity verification
Document and biometric verification for individuals.
02
KYB & onboarding
Business verification and lifecycle onboarding.
03
Screening & monitoring
Sanctions/PEP screening and transaction monitoring.
Considerations
- Verification requirements differ by product, risk and jurisdiction.
- Monitoring rules should be tuned and documented, not left at defaults.
Questions to ask providers
- What identity assurance level does each product require?
- How are alerts investigated and escalated?
This stack is a reference architecture for research. It does not guarantee regulatory compliance or licensing approval, and specific provider combinations are not universally suitable. Confirm requirements for your product with each provider and qualified advisers.