KYC and onboarding for banks, built for the GCC.
Open accounts in under a minute with document, face, liveness and AML checks in one orchestrated flow — and keep a clean, exportable audit trail for every decision your regulator asks about.
Compliance pressure meets conversion pressure.
Slow manual review
Document desks and back-office queues add days to onboarding and push applicants to abandon before they ever fund an account.
Synthetic & deepfake fraud
Forged documents, injected media and AI-generated faces now slip past human reviewers and basic checks at scale.
A growing compliance load
CBUAE, AML/CFT and CDD expectations demand consistent screening, recordkeeping and re-verification you can prove on demand.
A full KYC stack in one flow.
Verify the document →
Capture and authenticate Emirates ID, passports and licences with OCR, MRZ and NFC chip reading across 190+ countries.
Confirm a live person →
Passive liveness defeats spoofs, masks and deepfakes with no extra effort from the applicant.
Match face to ID →
Biometric selfie-to-document comparison confirms the holder is the person opening the account.
Screen against watchlists →
Sanctions, PEP and adverse-media screening at onboarding and on an ongoing basis, with explainable hits.
Orchestrate the decision →
Compose checks, set risk rules and route edge cases to manual review — no redeploy to change a policy.
One flow, end to end.
Capture
Applicant scans their Emirates ID or passport in your app.
Verify
Document authenticity, liveness and face match run in parallel.
Screen
AML, PEP and sanctions screening with a clear risk verdict.
Decide
Auto-approve, decline or route to review — with a full audit log.
Built for every flow in Banking.
Account opening
Straight-through onboarding for current, savings and digital-wallet accounts.
Lending & BNPL
Verify borrowers at application and confirm identity before disbursement.
Private & wealth
Higher-assurance KYC with NFC chip reading and source-of-funds workflows.
Periodic re-KYC
Re-verify customers on schedule or on risk triggers without re-onboarding.
Account recovery
Re-authenticate returning users with a single biometric check.
Signatory verification
Verify authorised signatories and directors during business onboarding.
Designed to meet the bar your auditors expect.
Othento is built to support CBUAE and AML/CFT expectations for customer due diligence, with consistent screening, immutable decision logs and data residency options for the UAE — so compliance is evidence, not paperwork.
- Aligned with CBUAE and AML/CFT customer due-diligence expectations
- UAE PASS ready, with Emirates ID and chip verification
- DIFC / ADGM and in-region data residency options
- Exportable, immutable decision logs for every verification
- Configurable risk rules and ongoing monitoring
We replaced a manual document desk with Othento and cut account opening from a day to under a minute — with a cleaner audit trail than we had before.
Questions, answered.
Yes. We read the Emirates ID front, back and NFC chip, are UAE PASS ready, and are designed to support CBUAE and AML/CFT customer due-diligence expectations with full recordkeeping.