Crypto-assets

Identify the customer before the first deposit, not after.

Your customers come from everywhere and open an account without meeting anyone, while the AMF, the French financial markets regulator, expects sound identification from you. Sanno verifies the document, the face, the address and the source of funds, on our servers, in the European Union.

Four moments, from the account to the withdrawal

The risk is not settled at sign-up. It comes back each time the customer passes a step in their journey.

When the account is opened

The risk An account opened under a borrowed identity, sometimes on behalf of someone else.

The control Identity document read front and back, MRZ recalculated and compared with the printed fields, selfie compared with the photo on the document, a challenge of randomly drawn head movements verified frame by frame.
Before the first deposit

The risk Funds credited while the file has not yet been examined.

The control You set the analysis time, from immediate to 72 h: the file goes to your team's queue as soon as it is ready, and it is your team that opens the account.
When the amounts rise

The risk A source of funds you cannot account for, a politically exposed customer you do not know about.

The control A short, closed questionnaire, documents requested according to the answers then photographed live and read, declared political exposure recorded, risky answers flagged.
When a declined customer comes back

The risk A new account opened with the same document, after a decline or to get around your limits.

The control The same identity document presented on two accounts is flagged for review, with both files side by side.

What you need to establish about every customer

The person behind the withdrawal address

Identity card and passport read front and back, validity dates checked, specimen wording detected, selfie compared with the photo on the document. Liveness detection rests on a movement challenge verified frame by frame on our servers: a suspicious capture goes to human review.

The real country of residence

Proof of address photographed live, read, compared with the declared address and country, with a match score. Useful when your service is not open everywhere.

The source of the funds deposited

Employment status, sector, income, source of funds, expected amounts, declared political exposure, tax residence: the answers drive the documents requested, which are photographed then read. Risky answers are flagged to your team.

Multiple accounts

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

For your customers

A link to follow, nothing to install.
Every photo is taken on the spot: nothing comes from the gallery.
On a computer, a QR code hands over to the phone.
At the end, they return to your site automatically.

For your team

A review queue with the photos, the data read, the reasons as codes and a risk level.
An analysis time you set, according to what the customer is waiting for.
Distinct roles and a chained audit log of every sensitive action.
The result and your team's decision by signed webhook, straight into your back office.

Where Sanno stops

We verify the person and their documents. We do no screening against sanctions and politically exposed person lists, no ongoing monitoring, no on-chain flow analysis and no business verification. 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.