Banking API

Customer identification with your existing bank account.

This API allows you to include existing bank accounts to proof identities. Depending on the country and bank it allows verifying addresses and additional user credentials.

We are using so called “open banking” rails and sometimes the banks uses direct login interfaces to perform these checks.

Banking API
bank account verification

Revolutionizing Financial Data and Customer Information Access

With our open banking API solution, you can now get proof of identity, bank account verification and sometimes address when registering new customers online.

Let ZignSec help you to increase your customers identity footprints by collecting a consent from the user or having them log into their accounts online. As a merchant you get access to trusted information provided directly by the banks and what can be more secure than that?

Need to do a KYC on your customer?

Say that you are a lending firm and need to do a KYC on your customer. This is the perfect way of getting the identity of the customer as well of getting access to the bank account that you wish to pay out to.

KYC on your customer

Advantages

Instant proof of your customers identity based on the existing relation between your customer and his current bank – with the benefits:

  • Verified name
  • Date of birth
  • Bank account number
  • Address (if supported by the bank)

Coverage

We are using multiple open banking provider that are connected to thousands of banks across EU and globally. The count of banks and available features are continuously improving as open banking has become a mandatory standard for banks to implement.

Functionality can vary depending how the banks have implemented their open banking access.

open banking API

Implementation

The most preferred way to access customers data is using the open banking APIs that we have made available via our REST API. In some cases access to accounts is done via a direct login to the respective bank using a redirect.

As an alternative we do provide a web and mobile SDK or a fully managed web portal that you can easily adapt to your workflow and design.

Real-Time AML

Real-Time AML

Instead of connecting to mur dedicated API endpoints our AML5 solution requires just one click to connect, and then automates everything from start to finish.

A waterfall solution initiated by the customer verifies their identity online (ID Scan or eID) to be followed by Register and PEP & Sanction checks that will be done without any action from the user.

Real-Time AML

How does it work?

1

The initial step is always identification where the customer depending on country and can either use E-IDs or passport, ID-card or drives license to verify themselves.

2

ZignSecs orchestrated solution then checks for address and does a pep and sanction in the background to verify the information that the customer has provided.

3

Everything is done in the background and all data is shared to you as an end merchant through our REST-API or WEB SDK.

4

The process begins with customer identification where, depending on the country, the end user submits either a more traditional document such as passport or driver’s license or a localized eID such as BankID Sweden.

5

ZignSecs solution then simultaneously verifies the submitted address and runs a PEP and Sanction check in the background to confirm all information is correct.

6

All data is then shared to you as the merchant through our REST API or web SDK.

Maintain compliance while providing a friction free onboarding experience for your customer.

  • Cryptocurrency exchanges
  • Credit institutes
  • Banks
  • Insurance
  • Accounting firms
  • Auction house
  • Prepaid card provider
  • Others

Let us contact you!

    Cookie Policy

    Effective date: January 1, 2020

    This notice explains ZignSec’s approach to cookies and other online data collection technologies.

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