KYC that clears real users and stops the rest

IDPylon routes each applicant through the identity checks that fit their risk, learning which document and liveness signals actually predict fraud.

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SOC 2 controls GDPR-aware data handling PA-headquartered entity REST API + webhooks
APPLICANT SESSION START RISK ENGINE SIGNAL SCORE ORCHESTRATION ENGINE routes to appropriate check DOC VERIFY low-risk path LIVENESS elevated risk AML SCREEN high-risk path DECISION JSON response + score PASS FLAG
The KYC problem nobody talks about

One-size-fits-all verification costs you real users

23% average onboarding drop-off when all applicants get the same hard checks
4x more manual review cost when document and liveness is applied to low-risk sessions
< 3s time IDPylon takes to route a session through the right verification path
Legacy KYC
  • Every applicant gets the same document scan
  • Liveness check on all sessions regardless of risk
  • Manual review queues grow unbounded
  • Real users drop off at friction points
  • No feedback loop from outcomes to routing
IDPylon
  • Risk score determines which checks run
  • Low-risk sessions pass with a lightweight document scan
  • Liveness only fires when session risk warrants it
  • Manual review reserved for genuine escalations
  • Outcome data trains the routing model over time

Three moves, not a checklist

01

Read the session

IDPylon ingests device fingerprint, document region, behavioral signals, and prior session history before selecting any check.

02

Match check to risk

Low-risk signals route to a lightweight document scan. Elevated signals trigger liveness. Flagged signals escalate to manual review, automatically.

03

Return a decision

A structured JSON response with the verification result, confidence score, and reason code arrives in your app in under three seconds.

Applicant session open Risk Ingestion device, doc, behavior Orchestration Engine risk-first routing Check Selection doc, liveness, AML Result JSON + confidence
Platform capabilities

Built for the compliance stack, not around it

  • Adaptive orchestration

    Route each applicant through document check, liveness, database lookup, or manual review based on their specific risk profile, not a global policy.

  • Document intelligence

    Extracts and cross-validates fields from 10,000+ ID document types across 195 countries. Flags expired, tampered, and mismatched documents.

  • Liveness with a reason

    Active and passive liveness checks only fire when the session risk score warrants it. Reduces friction for the majority of applicants who are genuinely low-risk.

  • Audit-ready output

    Every verification session generates a timestamped, immutable record with the checks run, signals observed, and decision rationale, audit-ready out of the box.

  • AML / watchlist screening

    Integrated sanctions list and PEP screening runs alongside document verification, with configurable alert thresholds per jurisdiction.

IDPylon API response
// POST /v1/sessions
// Response: 200 OK
{
  "session_id": "ses_a7f2k9m",
  "status": "complete",
  "decision": "pass",
  "confidence": 0.94,
  "checks_run": [
    "document_verify",
    "liveness_passive"
  ],
  "risk_score": 0.18,
  "reason_code": "low_risk_cleared",
  "document": {
    "type": "passport",
    "country": "US",
    "expiry_valid": true,
    "tamper_flag": false
  },
  "completed_at": "2026-06-15T14:22:09Z",
  "audit_log_id": "aud_k8x3n2p"
}

Drop into your stack in an afternoon

REST API, native SDKs for Node, Python, and Go. Webhooks for async flows. Pre-built connectors for major onboarding and banking platforms.

LoanPath Core NovaBanking Suite ClearForm KYB VaultOnboard TrustEdge AML CoreStack Fintech
POST /v1/sessions
curl -X POST https://api.idpylon.com/v1/sessions \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: req_a3f9m" \
  -d '{
    "applicant_ref": "usr_8ab12x",
    "checks": "auto",
    "webhook_url": "https://your.app/webhooks/kyc",
    "session_context": {
      "ip_country": "US",
      "device_type": "mobile"
    }
  }'

Used by compliance teams that cannot afford false positives

We cut manual review queues by half after switching our onboarding to IDPylon's risk-based routing. The difference is that it actually learns which signals matter for our user base.
Priya Shenoy Head of Compliance, digital lending platform
Our regulators wanted to see that every verification decision was documented and defensible. IDPylon's audit trail format is exactly what the examiner needed.
Marcus Okafor VP Risk, marketplace payments company
We onboard users in 12 countries with different document standards. IDPylon handles the routing complexity so our product team does not have to build country-specific KYC logic.
Sofia Andrade Founding Engineer, fintech infrastructure company

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