AML, KYC and Blockchain Risk
KYC Verification Software
Document, NFC, biometric and address checks return a fully automated API decision into the customer onboarding flow. Delivered as SaaS through Legichain, the AML and KYC product brand of Grumpio LTD, with data storage configured around the operating jurisdiction.
Customer Problem
Onboarding Is a Regulated Workflow
Identity verification is not a form field. In a regulated fintech business it is a controlled workflow that must produce a recorded, reviewable outcome for every applicant — and it frequently arrives as the most fragmented part of the onboarding stack.
Multi-vendor onboarding stacks split document checks, biometrics, address evidence and screening across separate contracts, consoles and invoices. Integration projects multiply, onboarding spend accumulates across separate contracts as volume grows, and the compliance team is left assembling evidence from systems that were never designed to work together.
Legichain consolidates these steps into one automated verification flow, delivered as SaaS and integrated through an API and SDK. Each check returns a single structured response, and the surrounding risk policy stays with the customer — where a regulated business needs it to be.
Verification Scope
Document, Biometric and Address Checks
The verification flow combines document, chip, biometric and address checks in one product. The scope below reflects the current Legichain capability set; the exact document coverage and configuration are confirmed against the customer's onboarding requirements during technical scoping rather than assumed by default.
Document and identity verification
Türkiye and EU identity cards and passports are verified with automated document-data extraction. The supported document set is confirmed for each engagement; no blanket claim is made for every document or country.
NFC chip verification
NFC-enabled identity documents can be verified through chip reading, providing a stronger evidence layer than optical inspection alone.
Selfie and liveness checks
A selfie capture with liveness detection checks that a live person is present during the capture step, before the face comparison is performed.
Face match and age checks
The captured selfie is compared against the document portrait, and age checks support products and services with age-related restrictions.
Address verification
Address evidence is verified within the same flow, so proof-of-address collection does not require an additional vendor or a separate integration.
Fully automated API decision
Every check returns a structured API response without a Legichain-operated manual-review stage, so onboarding capacity does not depend on an external review queue.
Decision Model
Automated Results, Customer-Controlled Policy
Legichain returns the verification result; the accept, reject or review decision remains with the customer. This separation keeps the risk policy inside the regulated business and removes any dependency on a provider-operated review queue.
-
Your policy, applied by your team
The customer applies its own risk policy to the automated result: an internal review team can examine selected cases, request additional documents and generate the final onboarding decision.
-
A deliberate KYB boundary
Full KYB is not part of the product. Company AML screening is delivered separately through AML screening software, and registry, company-document or UBO onboarding is scoped as dedicated engineering where required.
-
Phone and email verification
OTP, email and phone-ownership checks are not native Legichain features. They run on the customer's own stack or a chosen provider, and Grumpio can engineer that integration into the same onboarding journey.
-
Records for audit preparation
Each verification produces a structured result the customer retains within its own onboarding records, supporting internal review, management information and audit preparation.
Commercial Structure
One Credit Pool. Four Check Types.
KYC, AML screening, wallet-risk and address checks draw from a single credit pool under one agreement. Volume can shift between check types as the business changes, without renegotiating separate licences or managing the parallel minimum commitments that multi-vendor onboarding stacks commonly carry.
Review the AML screening capabilitiesData Storage
Storage Configured Around the Jurisdiction
Identity data is among the most sensitive information a fintech business processes. Data storage and deployment architecture can be configured around the customer's operating jurisdiction and institutional requirements; data flows and retention are documented per engagement rather than assumed.
SaaS storage
In the standard delivery model, verification data is held within the managed Legichain SaaS environment and maintained as part of the service.
On-premises and dedicated storage
Where the operating model requires it, verification data can be held in on-premises or dedicated customer storage under the customer's institutional controls.
UK and EU operating structures
Storage, data flows and retention are configured to support the customer's UK or EU operating structure, rather than applying one default residency model to every engagement.
Regulatory Context
Built for UK and EU Onboarding
Customer due diligence obligations differ between the UK and the EU, and between sectors within each market. The verification flow is configured around the customer's obligations, and the controls that surround it are covered by Grumpio's readiness engineering.
Explore regulatory readiness-
United Kingdom
Onboarding journeys are configured around the Money Laundering Regulations and the wider FCA framework, for cryptoasset firms, e-money institutions and payment businesses alike.
-
European Union
Verification and data-residency choices are adapted to the customer's home Member State and the EU AML framework; cryptoasset firms now onboard within an authorised CASP operating model.
-
Beyond the verification tool
A verification product alone does not complete customer due diligence. The permissions, records and operating controls around the flow are implemented through regulatory-readiness engineering.
Integration
Rapid Integration, SaaS Delivery
The product is designed for rapid technical integration, so verification is embedded within the onboarding journey rather than bolted alongside it. The engineering approach applied across Grumpio-built platforms is described on the technology page.
- Documented API: verification requests and fully automated decisions are exchanged through a documented API built for predictable integration effort.
- Capture SDK: document and selfie capture journeys are embedded through the SDK; supported platforms and flows are confirmed during technical scoping.
- Grumpio platform integration: within crypto exchange software and e-money platform software built by Grumpio, verification is integrated directly into registration and onboarding.
- SaaS commercial model: credit-based usage with volume and enterprise agreements; current pricing is published on the Legichain website.
FAQ
Frequently Asked Questions
The product verifies Türkiye and EU identity cards and passports, with automated document-data extraction. Supported documents are confirmed against the onboarding requirements of each engagement, and no claim is made that every document or every country is covered.
Every verification returns a fully automated API response; Legichain does not operate a manual-review service. The customer applies its own risk policy to the result: cases can be routed to an internal review team, additional documents can be requested, and the final accept, reject or review decision is generated inside the customer's organisation.
Full KYB is not part of the KYC product. Company AML screening is delivered separately through the Legichain AML product, and company-document verification, registry onboarding or UBO checks are scoped as separate engineering where a project requires them.
OTP, email and phone-ownership checks are not native Legichain features. They are operated through the customer's own stack or a selected provider, and Grumpio can engineer the integration so that the complete onboarding journey behaves as one flow.
Legichain is delivered as SaaS, with on-premises and dedicated customer storage options where the operating model requires them. Data storage and deployment architecture can be configured around the customer's operating jurisdiction and institutional requirements, and data flows and retention are documented per engagement.
Delivery is SaaS with credit-based usage: KYC, AML screening, wallet-risk and address checks draw from one credit pool, and volume or enterprise agreements are available. Current pricing is published on the Legichain website rather than reproduced on this page.
How identity verification sits within a complete trading platform is explained in What Is Crypto Exchange Software? in the Knowledge Base.
Next Step
Evaluate the Product in a Demo
A demonstration walks through document, NFC, biometric and address checks together with the API response behind them. Scope and coverage questions are answered against the working product.