InackGuardIndustries › Fintech and payments
Fintech and payments
Onboard customers and businesses fast without letting the wrong ones in.
Fintechs and payment firms win on speed, but partner banks and regulators judge them on control. Every new customer and business needs to be screened before it can move money, and the book has to be watched as lists change. The hard part is doing both without a large team, and being able to show exactly what was checked when the partner bank asks.
InackGuard · New check · New customer · business · sample subjects
SAMPLE SUBJECT
Northwind Payments Ltd
Global sanctions lists1 possible
Politically exposed personsNo match
Company registerActive
Adverse mediaNo match
Possible list match, name 91%. Confirm date of birth and country before onboarding.
[1] Sanctions list, as of 17 Oct 2026
SAMPLE SUBJECT
Vega Exchange Ltd
Global sanctions listsNo match
Politically exposed personsNo match
Company registerActive
Adverse mediaNo match
No findings in 14 sources. Onboarded by API in 4 seconds; the record is sealed for your partner bank.
SAMPLE SUBJECT
Corvid Capital Partners
Global sanctions listsMatch
Politically exposed persons1 possible
Company registerDissolved
Adverse media2 articles
Confirmed list match on a dissolved company. Held at sign-up and sent to your reviewer with the evidence frozen.
Partner bank evidence ready
Re-screened when lists change
1Screen at sign-up through the API
2Review only what needs a person
3Watch the book and re-screen when lists change
4Export evidence for the partner bank
THE CHALLENGE
Three things make this hard to do well by hand.
01
Volume outgrows the team
Sign-ups arrive faster than analysts can review them, so checks get skipped or done late.
02
Partner banks want evidence
Sponsor banks and auditors ask what was checked, when, against which list, and who decided.
03
Risk changes after onboarding
A customer who was clear last month can be listed today; one-off checks go stale.
What is expected of you
General expectations; your regulator and policy set the details.
OBLIGATIONWHAT IT MEANS IN PRACTICE
Customer and business due diligence
Identify the customer, understand the relationship and rate its risk before and during it.
Sanctions, PEP and adverse-media screening
Screen at onboarding and when lists or customer details change.
Ongoing monitoring and reporting
Watch the book, review alerts and report suspicious activity as your rules require.
WHAT GOOD LOOKS LIKE
Screening runs inside sign-up through the API, not after the first payment
Only possible matches reach a person; clear results are recorded automatically
Every decision has its sources, dates and reviewer attached
Evidence for the partner bank can be exported in minutes
Questions
Can we screen inside our sign-up flow?+
Yes. One API call returns a check id; a signed webhook delivers the result.
Can we show our sponsor bank the evidence?+
Yes. Export a sealed record that a third party can verify without access to our systems.
Do we need monitoring as well as onboarding checks?+
Usually yes. Lists change constantly, and monitoring tells you once when a change touches your book.
See it on your own counterparties.
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