
Drivers for change
With Empeiria, verified identities and financial attestations become portable across the entire fintech stack.
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.
Seconds‑long onboarding, shared compliance, and real‑time revocation.
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.
- • 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.
- • 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.
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.
How does this differ from traditional KYC services? | 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. |
What happens if a customer’s risk profile changes? | Revoke or update their credential; transactions using the old credential fail within seconds. |
Do I need deep compliance expertise? | No. Empeiria abstracts the crypto and compliance plumbing; you define policies in simple JSON. |
Can I link to my existing AML provider? | Yes. Feed screening results into the Issuer via API; the Verifier enforces your policies at runtime. |
Is selective disclosure supported? | A roadmap item—users will share only the attributes required, not full documents. |