Banking and payments

Remote onboarding that holds up under inspection.

You open accounts without ever seeing the person. Sanno establishes their identity, their address and the source of their funds from photos taken live, analysed by our own engine in the European Union.

Four moments where the risk changes

A customer relationship is not verified once and for all. At each stage in the life of the account the risk changes, and the useful check changes with it.

At onboarding

The risk A borrowed identity, a file built with someone else's documents.

The control Identity document photographed front and back, printed fields read, MRZ and its check digits checked, selfie compared with the photo on the document, head movement challenge verified frame by frame.
When the file is approved

The risk An account in use while the onboarding file is still incomplete.

The control The file reaches your team's queue with the photos, the data read, the reasons and a risk level, within the time you set. It is your team that decides.
When the customer's circumstances change

The risk An address that is no longer the right one, and information several years old.

The control A fresh address verification: proof of address photographed live, read, compared with the declared address, with a match score and the age of the document checked.
When a transaction calls for enhanced due diligence

The risk Funds whose source has not been established, a customer whose real situation you do not know.

The control A short, closed source of funds questionnaire, documents requested according to the answers then photographed and read, declared political exposure recorded, risky answers flagged.

What you need to know about your customers

Who holds the account

Identity card and passport read front and back: printed fields, MRZ, validity dates, specimen wording. The selfie is compared with the photo on the document, and the declared name and date of birth with those on the document. Driving licence and residence permit: the capture is accepted, the verification is left to your team.

Where they really live

Proof of address photographed live, read, then compared with the declared address. A match score comes with the result and you set the threshold; the age of the document is checked.

Where their money comes from

A short, closed questionnaire: employment status, sector, income, source of funds, expected amounts, declared political exposure, tax residence. The documents follow from the answers, are photographed live then read; risky answers are flagged.

Whether they already have an account with you

The same identity document presented on two accounts is flagged for review.

For your customers

A flow completed on the phone, guided at every step.
A frame that turns green when the photo is sharp, whole and well lit.
From a computer, a QR code moves the verification to the phone.
No attachment, no PDF to prepare: documents are presented in front of the lens.

For your compliance team

The files to review in your dashboard, with the photos, the data read and the reasons as stable codes.
Distinct roles: owner, administrator, compliance analyst, read-only.
A chained audit log of every sensitive action, ready to show on the day of an inspection.
REST API, signed webhooks, and a sandbox where every outcome can be simulated before going live.

What Sanno does not do for you

No screening against sanctions and politically exposed person lists, no ongoing monitoring, no business verification. Those parts stay with you or with another provider. Tell us what you are missing: it weighs on the order in which we build what comes next.

Let's talk about your verifications

Tell us what you need to verify and at what pace: we will come back to you with a proposal and a price.