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Reusable KYC & AML credentials that cut friction, block fraud, and respect privacyFintech & Ditigal IdentityGrant each customer, partner, and transaction exactly the proofs it needs—verifiable, reusable, and tamper‑evident.
Why This MattersFintech applications live or die by swift onboarding and rigorous compliance. Re‑collecting KYC documents and re‑running AML checks at every touch‑point slows growth, drives up cost, and frustrates users. Institutions must be certain who is acting, where the funds come from, and whether regulatory thresholds are met—while maintaining seamless UX.Empeiria supplies the missing trust layer: cryptographically‑signed, instantly‑verifiable credentials that travel with the data, turning repeated compliance into a one‑click handshake.

Drivers for change

Repetitive KYC/AML checks across institutions waste time and resources.
Fragmented data silos hinder lending and credit assessments.
Emerging regulations (eIDAS 2, PSD2/PSD3, MiCA) mandate digital proofs and audit logs.

With Empeiria, verified identities and financial attestations become portable across the entire fintech stack.

The Fix in 30 Seconds
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Decentralised Identifier (DID)Each customer, business, or asset receives a globally unique cryptographic ID.
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Compliance CredentialsVerifiable credentials capture KYC level, AML risk score, proof of funds, or credit history—each with scope and expiry.
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Continuous VerificationEvery onboarding or transaction is validated by our Verifier microservice; revoked or expired credentials are rejected in milliseconds.
See the docs
Flagship Use Case – Reusable KYC
Scenario

Clara has passed KYC at Bank A and wants to open an account at Fintech B.

Issue

Bank A issues a credential `{ "kyc_level": "regulated", "aml_score": "low", "expires": "2026‑06‑04" }` via the Empe Issuer.

Present

Clara’s wallet sends this credential to Fintech B’s onboarding API.

Verify

Fintech B validates the signature and policy in under 100 ms—no extra forms needed.

Revoke

If Bank A detects fraud, it revokes the credential; downstream institutions block further use instantly.

Outcome

Seconds‑long onboarding, shared compliance, and real‑time revocation.

Additional Use Cases

Real‑Time AML Screening

Attach an up‑to‑date AML risk credential to each high‑value transfer, triggering instant holds if risk exceeds policy.

Portable Credit Profile

A credential aggregates credit scores, lending history, and repayment behavior, enabling faster loan approvals.

Proof of Asset Ownership

Tokenized securities or NFTs carry a credential proving legal ownership, simplifying secondary‑market settlement.

KYB for B2B Payments

Businesses present a verified corporate identity and sanctions‑screening credential before initiating large payments.

Benefits
Business
  • • Faster User OnboardingCut KYC cycle time from days to seconds.
  • • Lower Compliance CostsReuse credentials rather than re‑running checks.
  • • Expanded Lending PoolPortable financial data allows instant credit offers.
  • • Cross‑Border ScalingStandardised credentials satisfy multi‑jurisdiction rules.
Technical
  • • DevelopersREST APIs; integrate in under 30 minutes.
  • • Security & ComplianceCryptographic audit trail, selective disclosure roadmap, eIDAS 2 alignment.
  • • Architecture & DeploymentRuns alongside OAuth/OpenID; one‑click portal auto‑provisions Issuer/Verifier instances in your cloud; plug‑in for existing KYC vendors.
Get Started

1. Generate a customer or business DID in the dashboard.

2. Issue a Compliance Credential (KYC level, AML score, expiry).

3. Call the verification API to see instant validation.

FAQ
Quuestion
How does this differ from traditional KYC services?
Answer
Centralised KYC repeats the same checks per provider. Empeiria credentials are portable, signed, and verifiable across ecosystems—plus they coexist with your current flow, enabling gradual migration.
Quuestion
What happens if a customer’s risk profile changes?
Answer
Revoke or update their credential; transactions using the old credential fail within seconds.
Quuestion
Do I need deep compliance expertise?
Answer
No. Empeiria abstracts the crypto and compliance plumbing; you define policies in simple JSON.
Quuestion
Can I link to my existing AML provider?
Answer
Yes. Feed screening results into the Issuer via API; the Verifier enforces your policies at runtime.
Quuestion
Is selective disclosure supported?
Answer
A roadmap item—users will share only the attributes required, not full documents.
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