AML/CFT compliance
Customer due diligence that's fast for the client and audit-ready for you.
A large part of AML/CFT compliance is being able to confirm that your clients are who they say they are. Raytio provides that confirmation digitally: chip-verified identity documents, biometric binding of the person to the document, PEP and sanctions screening, and company and trust verification against government registries - collected through a form you configure, with no coding required.
How it works
- Send your client a link, or embed the form in your own site.
- The client verifies on their own device - chip read, face check - in minutes.
- You receive signed verification records; your client keeps a reusable verified profile.
- Every step lands in an immutable audit trail, ready for your auditor.
Why Raytio
Cryptographic proof from the chip in the document.
Periodic re-checks reuse the same profile - auditing existing customers stops being a project.
Including directors and shareholders, against government registries.
The flow identifies owners above 25%, those with effective control, and persons on whose behalf a transaction is conducted - the parts of CDD that manual processes miss.
New identity data is checked against your records so no other person can present the same identity or documents - duplicate detection is built into verification.
Under section 34 of the AML/CFT Act a third party can conduct CDD as your agent while you retain the obligation - Raytio is built to be that agent, with the signed records to show your supervisor.
Verified customers, protected data, and agents you can hold to account.