Legal, Risk & Compliance · Module
KYC / KYB
Identity and business verification from the record that needs it, via licensed providers
KYC / KYB orchestrates identity and business verification for customers, vendors, partners and candidates through licensed providers. Results are stored on the shared party and reused across apps.
What it does
KYC / KYB is designed to orchestrate identity and business verification for customers, vendors, partners, candidates and other parties from the record that needs it, through licensed providers. One3 does not operate verification rails; it routes checks, stores results on the shared party record and reuses valid results across apps.
Profiles and requests
Verification profiles bundle the required checks and risk rules per party type and use case, such as retail customer, vendor, candidate, merchant or director. A Verify Action is available on CRM contacts and accounts, Procurement vendors, Recruit candidates and portal onboarding, and through the API.
Checks
Provider connectors are planned for PAN, GSTIN, bank account, company and director data, DigiLocker documents, CKYC search, Aadhaar-based e-KYC or offline verification where lawful, video KYC and AML, PEP and sanctions screening, each through a licensed provider and each to be verified. Documents are collected by portal or WhatsApp upload with guidance, OCR and field extraction, and liveness where the provider supports it. Each check stores status, match scores, provider reference and the raw response under retention rules with masking.
Decisions
Rule-based risk results (low, medium, high) come with reasons. Decisions use maker-checker, and exceptions need approval. Rejection of an individual is always a human decision with an explanation. Every provider call counts toward a KYC checks meter, so the module is sold per check.
GA and later
Re-KYC scheduling by risk rating and triggers, ongoing AML and sanctions rescreening, KYB with beneficial ownership, background verification for hiring with candidate consent, provider routing and fallback, and deepfake and injection-attack signals are planned. Video KYC workflows and global packs follow in W5. Planned for W4 (Year 3); a licensed KYC partner must be signed before release.
Features
What KYC / KYB includes
Verification profiles
Check bundles and risk rules per party type and use case.
Verification from records
Verify Action on CRM, Procurement, Recruit and portal records, and via API.
Provider connectors
PAN, GSTIN, bank, MCA company and director, DigiLocker, CKYC, e-KYC where lawful, video KYC and AML screening via licensed providers (to verify).
Document collection
Portal or WhatsApp upload with guidance, OCR, field extraction and liveness where supported.
Checks and results
Status, match scores, provider reference and masked raw responses under retention rules.
Risk result and maker-checker decision
Rule-based low, medium or high result with reasons and approved exceptions.
Metering
Each provider call counts toward the KYC checks meter.
Re-KYC and ongoing screening
Periodicity by risk and trigger events; periodic AML and sanctions rescreening with alert queue.
KYB with beneficial ownership
Business verification, directors and UBO capture and verification.
Background verification for hiring
Employment, education, address and criminal record checks via partners with candidate consent.
Provider routing and fallback
Primary and secondary provider per check with failover and cost-aware routing.
Deepfake and injection detection
Provider signals on selfie, liveness and video captures routed to review.
Workflow
Vendor verification
- 1
A buyer clicks Verify on the vendor record
- 2
The vendor profile selects the required checks
- 3
Documents are requested by portal or WhatsApp
- 4
Licensed providers run PAN, GSTIN and bank checks
- 5
Mismatches are flagged for a reviewer
- 6
A maker-checker decision is recorded and results stored on the shared party
AI
AI skills and Digital Employees
Document field extraction
OCR extraction and mismatch flags against provider results, processed in-region.
Name match explanation
Transliteration-aware explanations of name matches for reviewers.
Screening hit triage
Summaries of match details and likely false-positive reasons; disposition stays human.
Vendor document collection
Requests documents and runs GSTIN and PAN checks via licensed providers.
Digital Employees that use this module
They act through the same governed Actions as people; risky steps wait for approval.
Frequently asked questions
Does One3 run its own KYC rails?
No. Checks run through licensed providers, and One3 orchestrates them and stores results on the party record.
Can AI reject a person's KYC?
No. Rejection of an individual is a human decision with an explanation. AI extracts fields and summarises hits.
How is it priced?
It is planned as an add-on metered per check. Prices are not yet published.
Is it a regulated KYC system of record for banks?
No. Regulated entities keep their regulator-certified AML or CKYC system; One3 integrates with it.
See KYC / KYB in your workflow
Tell us about your team and the outcomes you want. We will walk you through the apps, the Digital Employees and the plan for your industry.