Identity & Compliance
Onboard any counterparty to any financial product in seconds — the identity primitive every other revenue stream depends on.
How it works
Every counterparty you onboard to a financial product — customer, supplier, contractor, marketplace participant — runs through KYC, KYB, AML, OFAC, and TIN verification automatically. Compliance artifacts produced for every flow.
Continuous monitoring re-screens on schedule and on change-of- control events. Audit trail built in. Required for every other capability — without it, no embedded fintech.
Value
Three pillars
The compliance foundation, productized.
Every fintech product you launch needs identity verification on its counterparty. Theorem makes that infrastructure the default.
Identity Verification
KYC for individuals — government ID, liveness check, sanctions screening — and KYB for businesses with beneficial-ownership collection per the FinCEN CDD Rule. Onboarding completes in minutes, not days.
Real-Time Screening
OFAC SDN screening runs at onboarding and again at every payment initiation. PEP and adverse-media checks for elevated risk. AML pattern detection flags anomalous flows for review.
Continuous Monitoring
Counterparties are re-screened on a defined cadence and on change-of-control triggers. TIN matching clears 1099 reporting in advance. Every check, every result, every disposition is logged.
Agents in action
Compliance as infrastructure.
Agents that verify, screen, and monitor every counterparty — with full audit trails on every decision.
Onboarding without the queue
A new counterparty triggers KYB verification, OFAC screening, and risk scoring agents in parallel. Auto-approve clean cases; route exceptions to a human queue.
Risk models that sharpen over time
Every screening result, exception, and disposition feeds back into the model. Auto-approval rates rise without false positives accumulating.
Encode counterparty types, risk tiers, and historical dispositions into structured signals.
Tune screening thresholds and exception routing to your industry and risk appetite.
Run KYC/KYB/OFAC at onboarding and at every payment initiation, with full audit logging.
Auto-approval coverage expands as the model learns clean patterns from your portfolio.
Onboard counterparties in minutes.
See how Theorem turns identity and compliance into infrastructure instead of a project.