KYC Overview- Copy for LLMCopy page as Markdown for LLMs
- View as Markdown
Open this page as Markdown - Open in ChatGPTGet insights from ChatGPT
- Open in ClaudeGet insights from Claude
- Connect to CursorInstall MCP server on Cursor
- Connect to VS CodeInstall MCP server on VS Code
- Copy for LLMCopy page as Markdown for LLMs
- View as MarkdownOpen this page as Markdown
- Open in ChatGPTGet insights from ChatGPT
- Open in ClaudeGet insights from Claude
- Connect to CursorInstall MCP server on Cursor
- Connect to VS CodeInstall MCP server on VS Code
Identifying your customers is an integral part of secure and compliant banking solutions. Solaris offers a variety of state-of-the-art identification methods compliant with Know Your Customer (KYC) guidelines.
Whether you are identifying businesses or retail customers, Solaris' customer KYC solutions are versatile, scalable, and suitable for different products and use cases.
See our comprehensive API reference for a complete list of endpoints and examples.
This section includes integration guides for Solaris' standalone customer KYC solutions. You can combine any KYC method with other products, such as Digital Banking or Lending.
Fully automated and AML-compliant KYC method to identify customers with a valid German IBAN without human intervention.
Bankident Plus is a secure account opening process that combines ID verification, Qualified Electronic Signature (QES), and a bank transfer to verify customer identity.
A fully integrated solution for business identification, including the verification of legal entities and natural persons.
The standard identification method for international customers or those who do not hold a German IBAN. Performed via a video call with an agent.
An AI-powered, app-based identification method (Selfie + ID Scan) suitable for customers in EU countries (excluding Germany).
An automated identification solution used primarily for Re-KYC (renewing identification) or specific authentication scenarios.
Understanding Solaris' risk scoring, screening (Sanctions/PEP), and vetting processes is mandatory for compliance. This guide explains how to interpret green, yellow, and red statuses.
A mandatory fraud prevention layer for specific regions (DE, FR, IT). You must collect device fingerprints to detect suspicious activity during onboarding and sensitive actions.
Choosing the right identification method depends on factors such as regulatory requirements, product risk, customer type, and region.
This section provides an overview of eligibility criteria to assist you in choosing the suitable KYC method for your use case.
This page provides a general overview of eligibility criteria. Other factors may determine customer eligibility for specific identification methods. Consult with your Partner Manager for detailed requirements.
Different factors determine customer eligibility for a particular KYC method. These include the following:
Product risk
Solaris products have a specific risk class based on our Anti-Financial Crime (AFC) risk analysis. High-risk products require a rigorous KYC process involving different data points and direct human interaction to prevent fraud and money laundering.
Digital banking products, such as a full payments account, are considered high risk. Products like decoupled cards or standalone lending products, such as fronting loans, have a lower risk profile.
Region
Your region of operations and client base determines customer eligibility.
- Bankident / Bankident Plus: Requires customers to hold a valid German IBAN. While international addresses are technically accepted, success rates are highest for German residents.
- VideoIdent (IDnow): The standard alternative for international customers or those without a German IBAN.
- Fourthline: Available for other EU countries (excluding Germany).
Customer type
The identification method varies depending on whether you identify retail customers, freelancers, or legal representatives of a business. Our solutions, such as BKYC, are specifically designed to handle the complexities of legal entities and their associated natural persons.