Regtech platform modules

About

Optherium's Regtech software-as-a-service helps onboard, verify and authenticate users. It allows the automation of procedures, increases the security of data, increases accuracy, minimizes risks, and guarantees regulatory compliance.

Optherium real-time Software-as-a-Service solutions verify business and user identity, prevent fraud and money laundering.

1600+

sanction lists

30+

languages

150+

countries

2500+

documents types

applications

MOBILE KYC ONBOARDING

applications
Mobile KYC onboarding by Optherium allows businesses to onboard customers online in a simple and convenient way. It is fast, safe and cost effective solution for businesses which is also convenient for end user.
applications
  • Web SDK
  • iOS SDK
  • Android SDK
  • Custom APIs
  • Web SDK
  • iOS SDK
  • Android SDK
  • Custom APIs
web onboarding photo

WEB KYC ONBOARDING

Know Your Customer module provides identity verification as a service for business in a fast and user-friendly manner, helping businesses onboard customers with full regulatory compliance.
Verifies and authenticates user identity, provides lifeness test by ID document photo and selfie video

Automatically validates authenticity of scanned ID document through credentials, verifying name, age, country of origin, document dimensions, and more

Verifies user age, country of origin, address and more
web onboarding photo
  • Web SDK
  • iOS SDK
  • Android SDK
  • Custom APIs
  • Web SDK
  • iOS SDK
  • Android SDK
  • Custom APIs

Functionality and features

  • ID document verification
  • Liveness test / Biometric verification
  • AML / CTF / PEP / Global sanctions screening by 16 lists
  • Proof of address / residence verification
  • Email verification
  • Phone verification
  • Push notifications
  • Multidecentralized Private Blockchains Network
  • Security based on Public Key Infrastructure
  • Onboarding pluggable interface for iOS, Android, Web platforms
  • Strong customer authentication (SCA) required for PSD2
  • Brand customizations and white labelling
  • Admin panel with Identity management system
  • Hosting (cloud and local)
  • DataVault Storage
  • Qualified timestamp
  • Optherium KYC SDK & API
  • Technical support

GLOBAL WATCHLIST SCREENING

We provide global watchlist screening tools to help fintechs, banks and large enterprises to achieve regulatory compliance.

Our tailored business solution covers the most relevant 1600 global sanctions and watchlists screening. Additionally, checklist can easily be enhanced with any of the exiting custom or proprietary watchlists upon request.

  • Politically exposed persons / PEPs

    • Global database of presidents
    • World Leaders of the CIA
    • World Politicians
    • Members of the EU Parliament
    • Parliamentary Assembly of the CoE
  • Economic Sanctions

    • Insolvency of GB Disqualified Directors
    • INTERPOL Red Notices
  • Criminals

    • Consolidated Sanctions of the UN
    • Blacklist SDFM
    • SECO Swiss Sanctions / Embargoes
    • Consolidated OFAC List
    • List of persons prohibited in the United States
    • Consolidated list of GB objectives (HMT)
    • Consolidated list of the EEAS (EU)
    • Kyrgyz National List of the FIU
    • ASNEF File

TRANSACTION MONITORING

Transaction monitoring module is an outstanding tool for ongoing AML compliance, suspicious activity detection, and fraud prevention.

A pre-set library of transaction monitoring rules with easy customizable settings help businesses to automate the process, cut management costs, and accurately identify potential money laundering activity.

DYNAMIC
BIOMETRICS

The Dynamic Biometrics module allows a user to operate the mobile banking platform with biometric data, like face (video and photo) and voice for verification, authentication, and PSD2 compliance.
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KYB
Onboarding

Know Your Business module allows to execute instant enhanced due diligence on businesses and onboard corporate clients online with full regulatory compliance.
Coming Soon

Credit risk
scoring

Automated credit risk scoring tool for banks and fintechs, powered with machine learning and pluggable mobile and web interfaces allows businesses to make a decision on granting a loan to clients remotely.
Coming Soon

POWERED BY BLOCKCHAIN, AI AND DYNAMIC BIOMETRICS

  • User friendly onboarding Facial recognition technology recognizes a live person and differentiates valid documents from forged documents faster than an experienced forensic expert could.
  • Global approach We support more than 2500+ government issued documents from more than 150+ countries in 30+ languages.
  • Legal compliance and risk minimization We follow KYC, AML, GDPR, PSD2, SCA, PDPA, FZ-152, FATF, FINMA, FCA, CySEC, MAC and more frameworks. Compliance to these frameworks minimize risks of negative impact on business.
  • Easy integration KYC/AML SAAS can be integrated in one day with any existing business, website and mobile application. Optherium provides developer tools for seamless integration with any type of business by Mobile (iOS, Android) and Web SDK and custom APIs.
  • An automated scalable solution powered by AI We utilize a mix of the latest technologies, including artificial Intelligence, computer vision, machine learning, biometrics,multi signature transactions and blockchain, helping to automatize and scale businesses. This minimizes human involvement, providing a solution for scalability and an unlimited number of daily identity verifications.
  • Patented data security technology Our solutions are based on a patented technology of multi-decentralization brings a military level of security for personal data and digital assets. Multi-decentralized technology helps to keep information assets secure, meet business and regulatory requirements.
  • White labeling and customizations Our SaaS is available for white labeling and customizations. Clients and businesses can customize and brand solutions to fit business.
  • Everything in one place Patented data security technology. Our solutions are based on a patented technology of multi-decentralization brings a military level of security for personal data and digital assets. Multi-decentralized technology helps to keep information assets secure, meet business and regulatory requirements.

F.A.Q.

  • How many and what types of government issued documents do you support?

    Currently we manage around 2500 documents from all around the world: passports, visas, id cards, driver licenses, residence permits, different kinds of travel documents, laissez-passer, etc.
  • What countries you do and do not support?

    We support all 193 countries recognized by the UN and do not support states with limited recognition.
  • What languages do you support?

    We support more than 30 languages, based on Latin, Greek, Cyrillic and Hebrew alphabets, including: English, German, French, Italian, Russian, Polish, Spanish (Castilian), Ukrainian, Romanian, Dutch, Austro-Bavarian, Hungarian, Turkish, Greek, Czech, Portuguese, Swedish, Serbian, Bulgarian, Neapolitan, Croatian, Danish, Albanian, Finnish, Slovak, Hebrew, Afrikaans. Upgrade with Arabic and Chinese can be done upon request as a part of white label SaaS solutions.
  • Are you fully compliant with regulations of AML, GDPR, PSD2, SCA, PDPA, FZ-152,FATF, FINMA, FCA, CySEC, MAS?

    Yes.
  • What is the process of integration?

    Upon a successful passing of the enhanced due diligence, we’ll provide you all the required resources, including technical documentation, manuals, integration and support team that will help to launch your own fintech solution.
  • How fast is the integration?

    Depending on your business case, the integration may take from 1 day to up to 1 month.
  • Is your technology safe?

    Yes. Our solution is powered with Multi-decentralized private blockchains network, AI and dynamic biometric technologies providing a military level of data security to enterprises, eliminating risks of data breach and hacking. Our solution was created specifically to help Fortune 500 enterprises, banks, governments, and central banks to securely manage sensitive data and digital assets in permission-based fraudless and unhackable environment.
  • Can I become your distributor?

    Yes. You will need to fill out the contact form on our website and pass enhanced due diligence by our team. After this is done, you will be provided with all the required resources, including technical documentation, manuals, integration and support team that will help to distribute the fintech solutions.

the better compliance

Enhance security, automate business processes, simplify customer
onboarding and get regulatory compliance cost-effectively.