Identity & KYC
6 technical briefings from 6 companies building identity & kyc infrastructure.
Stride.ai co-founder Virajendra Daita walks through the company's unified AI platform for financial institutions — Doc AI for multi-language document processing, Web AI for no-code scraping of regulator and market sources, and an NLU layer for entity extraction and semantic search. The briefing covers an enterprise KYC orchestration that cuts corporate onboarding from ~29 days to ~1 day (saving €2M+/year), an 80,000-docs-per-day remittance processor, and live demos of KYC screening via Refinitiv and structured + unstructured document extraction.
Nick Hynes
Oasis Labs demos on-chain verifiable credentials and selective disclosure on the Oasis confidential EVM. The thesis: put KYC/KYB data on-chain once with a trusted issuer (Equifax-rooted in this demo), then reuse it across web3 protocols without re-doing verification per counterparty — while giving users revocable, selective control over exactly what each verifier sees. The demo walks end-to-end through requesting a credential via identity.oasislabs.com, receiving both an NFT credential on the non-confidential Emerald chain and the full identity data stored confidentially on Sapphire (Oasis's confidential EVM, backed by trusted hardware), granting a demo website access to just the "is over 18" property, calling the isOver18 view from an Express backend, and revoking access afterwards. Broader use cases: credit score disclosure, zip-code mortgage / insurance quoting, and any flow that needs a derived fact rather than raw PII.
Clay Allsopp
Plaid introduces Wallet Onboard — a Plaid product for crypto developers that brings the familiar Plaid "connect" experience to self-custody crypto wallets. Where Plaid has always linked bank accounts to fintechs, Wallet Onboard normalizes the fragmentation across hundreds of crypto wallets, multiple connection protocols, and the UX differences between MetaMask, Coinbase Wallet, Rainbow, Ledger, and WalletConnect-compatible wallets. The demo shows auto-detection of installed extensions, per-wallet optimized flows (QR for mobile-only wallets, desktop app handoff for hardware), direct wallet-to-app data flow with no Plaid intermediary on wallet addresses, and a drop-in vanilla JavaScript SDK that takes roughly an hour to integrate — plus auto-updates for new wallets and protocols delivered via cdn.plaid.com. Use cases span token gating, NFT mint, holdings tracking, payouts, and message-signature-based authentication.
Jason Ioannides & Monica Murthy
Monica Murthy and Jason Ioannides of Alloy demo the Alloy identity decisioning platform — an "identity command center" financial institutions use to manage the customer lifecycle across fraud detection, KYC, AML, transaction monitoring, and (launching next month) credit underwriting. The briefing focuses on Alloy's onboarding product. At the core is the Alloy workflow — a visual no-code orchestration of 70+ third-party data sources (Iovation, LexisNexis, Socure, Ekata, ID Analytics, and more) that fan out from a single API call and return a consolidated approve/review/decline outcome. Compliance teams can edit rules in plain English (IF ID Analytics score ≥ 850 OR Socure Sigma Fraud ≥ 0.985), add entirely new data sources, and flip conditional-execution gates (skip KYC/AML on obvious frauds) — all from the UI, with version control, a change log, and role-based manual-review queues. Evaluation views expose every signal that fired and every raw data-source response for audit.
Soups Ranjan & Aditya Goel
Soups Ranjan, CEO and co-founder of Sardine, walks through the Sardine fraud and compliance API — a single endpoint for fintechs, crypto exchanges, challenger banks, and NFT platforms to prevent fraud, run KYC, monitor crypto transactions, and stay on top of AML and sanctions (PEP/SDN) screening. The demo shows how Sardine catches fraudsters running mobile emulators like BlueStacks, disposable phone numbers, and stolen dark-web identities — combining behavioral biometrics, device intelligence, and telco/social-graph enrichment with live Chainalysis and Coinbase Analytics calls. A no-code rule editor lets ops analysts chain dozens of fraud and AML typologies without writing code, and adverse-media signals cut AML false positives that plague traditional transaction-monitoring rules.
Credolab is a Singapore-headquartered company building smartphone-based behavioral credit scoring for the financially underserved. The demo shows how Credolab\'s lender-embedded SDK (Android) captures behavioral metadata alongside the borrower\'s consent during a standard loan-application flow — with no PII ever leaving the phone (50,000 behavioral data points compressed into a 50 KB JSON). The borrower sees transparent Google-policy permission prompts (allow/deny per permission), Credolab reports coverage completeness (e.g. 83% if some permissions are denied), and the score plus metadata (record ID, device ID, timestamp, permissions) surfaces in the lender\'s dashboard in real time. The Credolab score focuses on intent to repay (behavioral patterns matched against known defaulter features via proprietary ML) rather than ability to repay — so it complements existing bureau data rather than replacing it. Use cases span emerging markets without credit bureaus (thin-file approvals on fair terms), developed markets (risk-based / relationship-based pricing), and instant-decision products like short-term loans, buy-now-pay-later, e-commerce, and e-wallets. Credolab has 86 clients across 26 countries.