Automated Regulatory Primitives
Compliance scales inversely with engineering effort. We abstract KYC, AML, and CDD into asynchronous API calls. Risk scoring happens offline; approvals trigger webhooks.
KYB requirements stall B2B onboarding. Our identity engine orchestrates ultimate beneficial owner (UBO) extraction and sanctions screening in parallel.
Regulatory environments demand audit trails. Every compliance decision is cryptographically tied to the identity payload that generated it.
Automated onboarding with configurable auto-approve thresholds. CDD policies versioned and auditable. Every compliance decision logged with an immutable audit trail. Expansion to new jurisdictions requires configuration, not code changes.
Compliance Capabilities
KYC/KYB Verification
Provider-agnostic identity verification for individuals and legal entities. Auto-approve based on configurable thresholds. Session management and result tracking.
AML Screening
Sanctions, PEP, and adverse media screening. Continuous monitoring with automatic re-screening. Blacklist management.
CDD Policy Engine
Jurisdiction-aware, risk-level-driven due diligence policies. Versioned and auditable. Automatic check triggering based on customer events.
Multi-Jurisdiction
Jurisdiction profiles with regulatory parameters, holiday calendars, business day calculation. Expand to new markets through configuration.
Audit Trail
SHA-256 hash-chained audit events. Every compliance decision recorded with timestamp, actor, and regulatory context. Tamper-evident by construction.
Risk Management
Customer risk levels (low, medium, high, prohibited). Risk-driven CDD depth. Automatic escalation for high-risk indicators.
Try It
# Trigger KYC verification for a customer
curl -X POST https://connect.fernel.io/v1/kyc/sessions \
-H "Authorization: Bearer <token>" \
-H "Content-Type: application/json" \
-d '{
"customer_id": "cust_8f3a2b",
"config_type": "kyc",
"verification_tier": "standard"
}'
# Response
{
"session_id": "ses_k1l2m3",
"widget_url": "https://verify.provider.com/session/...",
"status": "created",
"expires_at": "2026-02-21T10:00:00Z"
}Technical Specifications
| KYC types | Individual (KYC), Legal Entity (KYB) |
| Provider model | Provider-agnostic interface. Switch providers without integration changes. |
| CDD policy model | Jurisdiction x risk level x check type. Versioned, with activate/archive lifecycle. |
| Risk levels | Low, medium, high, prohibited |
| AML screening | Sanctions, PEP, adverse media. Continuous monitoring support. |
| Audit format | SHA-256 hash-chained events, DORA-aligned event IDs |
| Regulatory alignment | Designed for PSD2, EMD2, AMLD5/6, DORA Chapter V |
Compliance That Scales With You.
Talk to our team about your compliance and regulatory requirements.