Accounts opened with false identities
- The challenge
- Someone may use another person’s information to apply for an account.
- How we help
- Verify identity before activation, under your institution’s rules.
KYC / Fintechs and banks
Verify identities from account opening to credit agreements.
Identify people opening accounts, applying for financing or taking part in a Brazilian CCB credit-note process. Add documents, facial biometrics and liveness, with records to support decisions, audits and disputes.
CONTRATO.CLOUD / KYCProtected environment
Identity verified
Alex · ID 0248
Liveness
Document
Evidence
1Send the journey
2Verify the identity
Receive the decision
Illustrative demo · fictional data
Trust at every stepKYC · eSignatures
KYC / Fintechs and banks
Your operational challenges. Verification where it matters.
Address identity fraud and organize records that help clarify agreements and requests.
Credit and financing in someone else’s name
- The challenge
- An application may use the details of someone who is not taking out the credit.
- How we help
- Verify the applicant before credit assessment and agreement signing.
Account takeover and unauthorized changes
- The challenge
- Fraudsters may exploit account recovery and changes to customer information.
- How we help
- Add identity verification to requests that require greater confidence.
Disputed agreements and scattered records
- The challenge
- Establishing who was identified and what was formalized requires organized records.
- How we help
- Use KYC records and documents formalized through eSignatures to support audits, disputes and legal reviews.
KYC
Verification at the right point in the journey.
Explore practical ways to identify people during onboarding and sensitive requests.
Account opening
- When to use it
- Before activating a new digital account.
- How it works
- Registration begins → KYC journey → result received → your institution applies its account-opening rules.
- Benefit for your operation
- Identify the applicant before activation and organize verification records.
Financing applications and Brazilian CCB issuance
- When to use it
- When identifying an applicant before financing and issuing a Brazilian bank credit note (Cédula de Crédito Bancário, CCB).
- How it works
- Application received → applicant completes KYC → institution assesses the transaction → the customer’s process continues to CCB issuance and formalization.
- Benefit for your operation
- Add identity verification and records to support financing assessment and formalization.
Credit card applications
- When to use it
- When identifying someone applying for a credit card.
- How it works
- Application received → identity verification → result sent to the institution’s assessment.
- Benefit for your operation
- Support identity checks before the card-issuance decision.
Account recovery
- When to use it
- When recovery requires confirming the expected person's identity.
- How it works
- Your system identifies the expected person → person completes KYC → your system assesses the result before restoring access.
- Benefit for your operation
- Support identity checks under your recovery rules.
Contact or limit changes
- When to use it
- Before assessing contact changes or limit-change requests.
- How it works
- Request received → new verification → result assessed alongside the fintech's controls.
- Benefit for your operation
- Add verification before the decision. KYC does not authorize changes or replace financial assessment.
Illustrative use cases. Results depend on each customer's integration, rules and operations.
See how it works
KYC connects to your process.
Start verification
Your system creates the journey and sends its link to the person who needs verification.
Verify identity
The person completes the configured facial biometrics, liveness and document verification steps.
Decide the next step
Receive results through the API and webhooks. Your system applies its rules to continue the operation.
More context for confident decisions.
A journey by link
Online browser verification without requiring an application download.
Configurable verification
Combine available checks according to the context of each journey.
Traceable results
Track progress, results and reasons available to your operation.
API and webhooks
Connect results to your systems and keep the workflow under your own rules.
What to measure in your operation
- Journey completion
- Time to completion
- Need for manual intervention
Suggested indicators for your implementation, without predefined targets or gains.
CONTRATO.CLOUD / eSignatures
After verification, formalize your agreements online.
Send document links and signing reminders by email, SMS or WhatsApp, track signatures and keep agreements stored in one place. Channels and reminders depend on your plan; SMS and WhatsApp incur additional usage charges.
Explore the signing platform- Financing agreements
- Brazilian bank credit notes — CCBs
- Membership terms and authorizations
Want identity verification and agreements in the same journey? Discuss the solution design for your operation with our team.
Discuss KYC and eSignaturesFAQ
Does KYC approve accounts or credit?
KYC supplies an identity-verification result. Your institution retains its account-opening, risk and credit-approval rules.
How is verification integrated?
Your application starts journeys through the API and receives results through the API and webhooks. Our team assesses your workflow and required checks.
Can we also use the signing platform?
Yes. Explore plans to send, track and store contracts. Our team can assess a solution combining KYC and agreements with you.
Does Contrato.Cloud issue CCBs or approve financing?
KYC verifies the applicant’s identity. Credit assessment and issuance remain part of your institution’s process. Our team can assess document formalization through the signing platform.
How do records support legal and regulatory matters?
Identity-verification records and signed documents help clarify the contracting process and support audits, disputes and legal reviews. KYC documents the identity-verification result; signing records document formalization. Applicable requirements and the assessment of records depend on the agreement and your operation.
CONTRATO.CLOUD / KYC
See KYC applied to your use case.
Discuss your workflow, verification volume and integration with our team.