For the complete documentation index, see llms.txt

Document-based KYC

The Document-based KYC template provides an end-to-end identity verification and Know Your Customer (KYC) onboarding workflow.

The workflow guides your end-users through ID document scanning, biometric facial checks and an interactive compliance questionnaire. It also performs automated checks and corroborates data throughout the process.

With this template, you can verify your end-users' identity documents, such as passports and national ID cards, extract identity data automatically, check applicant information and perform real-time Politically Exposed Persons (PEP) and sanctions screening.

Template overview

• Use case: Identity verification and regulatory onboarding.
• Supported ID methods: Signicat ReadID (NFC-enabled documents) and Signicat VideoID.
• Compliance screening: Real-time PEP, sanctions and adverse media checks.
• Data validation: Name consistency checks, high-risk response alerts and screening match notifications.

Workflow overview

This template structures user onboarding into four key phases:

1. Identity verification
2. KYC questionnaire
3. Data corroboration
4. Automated screening and risk assessment

Flowchart showing the template workflow at a glance

Workflow sequence diagram (click to expand)

Sequence diagram showing the template workflow in detail

How to use this template

To create a workflow with the Document-based KYC template in the Signicat Dashboard, do the following:

1. Log in to the Signicat Dashboard.
2. Navigate to Products > Signicat Mint > Templates.
3. Select the Document-based KYC card.
4. To create a workflow from this template, click Start from this template. Mint opens the workflow inside the visual builder canvas.

You can now modify the workflow configuration to your specific needs. When you are ready, you can publish the workflow to make it available for you end-users, as you would manage any other Mint workflow.

Workflow details

The template is structured into four key stages, each containing specific steps to guide the user and perform automated checks.

1. Identity verification

This stage guides the end-user through capturing and verifying their identity document using either the NFC-based Signicat ReadID or the video-based Signicat VideoID flow. The end-users interact with the capture flow by providing their ID document.

• Form - Select ID verification type: An interactive web form that prompts the end-user to choose a verification flow based on the NFC-capabilities of their document. Options:
  • NFC-enabled document
  • Standard document without NFC
• For loop: A retry loop gives the end-user up to three attempts to complete the identity verification successfully.
• Conditional step: Based on the user's selection, the workflow branches to start the appropriate capture flow:
  • Start assure capture flow ReadID: Initiated if the user has an NFC-enabled document.
  • Start Signicat VideoID: Initiated if the user does not have an NFC-enabled document.
• Get capture flow results, image(s) and video: Retrieves and stores the results of the identity verification process for audit and compliance purposes. You can view the results in the Journey Manager.

2. KYC questionnaire

After the ID capture flow is completed, the end-user needs to fill in their details in a web form.

• Form - KYC questionnaire: A web form that collects additional information from the end-user. Key fields like Full name, Date of birth, and Document number are pre-filled with data extracted from the ID document to streamline the user experience. The form includes sections for:
  • Personal information
  • Address information
  • Income and tax information
  • PEP information

3. Data corroboration

This stage validates the information provided in the KYC questionnaire with the data extracted from the ID document to check for inconsistencies.

• Compare strings: Compares the full name extracted from the ID document with the name entered in the KYC form.
• Trigger alert (Name mismatch): If a name mismatch is detected, a Warning alert is triggered for the journey and displayed in the Journey Manager. A second PEP and sanction screening is also performed.

4. Automated checks and alerts

This stage automatically screens the end-user's details against PEP and sanctions lists and flags any high-risk answers from the questionnaire.

• Person PEP and sanction lookup: The workflow performs two separate screenings against PEP, sanctions and adverse media lists:
  1. Using the name and date of birth from the ID document.
  2. A second check is performed using the name and date of birth from the KYC form if a name mismatch was detected.
• Trigger alert (Screening match): If any of the screenings return a positive match, a Critical alert is triggered for the journey and displayed in the Journey Manager for manual review.
• Conditional step (High-risk answers): The workflow checks for high-risk answers in the KYC questionnaire (e.g., if the user identifies as a PEP).
• Trigger alert (Risk level answer): If a high-risk answer is detected, a Warning alert is triggered for the journey and displayed in the Journey Manager, prompting further investigation.

The workflow concludes with a Finish step, marking the end of the user's journey.