Onboarding that converts and blocks fraud
Account opening in minutes, with identity verification, biometrics, and KYC/AML built in. Low friction for the right customer, a firm barrier against fraud — ready to scale across countries.
0h
to open an account on a digital bank with onboarding we built
The front door decides who gets in and how much converts
Onboarding is where you win the customer or lose them to friction — and where fraud and compliance hit first. The gaps we see most:
Every extra step is a lost customer
A long, high-friction onboarding kills conversion. Every extra field and screen is someone dropping off before the account is even open.
Fraud at the front door
Fake documents, deepfakes, straw men: if identity verification fails at onboarding, the loss walks in right alongside the customer.
KYC/AML that stalls the operation
Sanctions and PEP screening and anti-money-laundering are mandatory — but poorly implemented, they become a manual bottleneck and a fine waiting to happen.
Scaling across markets and audiences
Identity and AML rules change by country and by product. Without a flexible foundation, every new market is an onboarding from scratch.
From identity to compliance, in a single flow
We build onboarding with the standards we learned shipping account opening and KYC/AML in production, from digital banks to international remittances.
Identity verification and biometrics
Document capture, liveness detection, and facial biometrics that confirm who's on the other side, blocking fraud without pushing away the legitimate customer.
Account opening in minutes
A lean flow, with assisted data entry and real-time decisioning. That kind of fast onboarding helped open accounts in about an hour at a digital bank.
KYC/AML built into the flow
Sanctions and PEP screening and anti-money-laundering running inside the onboarding, with an audit trail. Compliance that approves the right customer and blocks the risk.
Ready to operate across countries
Identity and AML rules configurable per market, ready to scale. The same foundation that powered onboarding for a remittances platform with 13M+ users.
Onboarding Luby put into production
From global remittances to digital banking, account opening with real identity and compliance.
Technologies & partners
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AWS
DockerNode.jsPythonReact NativePostgreSQLRedisAWSDockerCommon questions about digital onboarding
Let's design your onboarding
Bring your account-opening, identity, or KYC/AML challenge. You'll leave the conversation with a clear technical path, from conversion to compliance.