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KYC Workflow Orchestration

No code, no engineering. Build verification that adapts to every user

Drag and drop verification logic, or upload a policy document and let Sumsub agentic AI build the workflow for you.
Convert more users faster
Route users to methods that fit their country and risk, such as ID Verification, NFC Verification, or Non-Doc Verification, so good users onboard quickly.
Reduce fraud with adaptive checks
Trigger step-up checks like Liveness or Payment Verification when risk rises or a user is ready to access more of the platform, and keep every decision auditable.
Enter new markets without rebuilding
Adapt existing workflows for new countries, audiences, or industries in a few clicks using a library of templates or AI agents to launch without building from scratch.
Cut manual reviews with clear-cut rules
Automate decisions on routine cases so your team can focus their attention on the applications that genuinely need human judgment.

Build a working flow in minutes with AI

Hand your policy to an AI agent

Upload an AML policy or a set of compliance requirements to your AI agent of choice. The agent reads the document, works out what each rule requires, and builds the configuration in your dashboard, turning even a multi-page policy with country-specific risk brackets into verification levels, risk questionnaires, and onboarding workflows.
  • No workflow goes live before a human approves it
  • Works with leading models, including Claude and ChatGPT
  • Open-source agent skills are published on GitHub for teams that want to build on this integration
Describe it to Summy AI

Describe it to Summy AI

Explain what you need to Summy AI, and get a working flow without connecting an external AI agent. You write a prompt and Summy AI turns it into verification levels, questionnaires, and workflows. This native option removes integration setup, since everything happens in the platform you already use. A person on your team still reviews and approves each change before it goes live.
    Drag and drop your workflow

    Drag and drop your workflow

    Use the drag-and-drop builder to set your own triggers, conditions, and actions, with no code required. Connect blocks on the canvas and test how an applicant will move through your logic before it goes live. Get control over every step and configure each detail yourself.

      How much of the review queue could you automate?

      Walk through your own use case with our team and see the exact workflow we’d recommend for your users, markets, and requirements.

      Configure the rules behind every decision

      Set your own triggers and actions
      Define the conditions that trigger a rule and the actions it takes, so workflow logic reflects your risk policy.
      Test rules before they go live
      Run rules in test mode against real actions and see the results in real time, with no effect on applicant scores or status.
      Publish when you’re ready
      Build and calibrate a rule in Sandbox, then publish it to Production in test mode so it goes live only when you choose.
      Review every change you make
      See each rule edit saved as its own revision, so you can review what changed and roll back to an earlier state.

      Don’t take our word for it.
      Here’s what our clients have to say

      • Since we started using Sumsub, our onboarding time has improved significantly. Median verification time decreased by 95%, with new users now able to complete verification in 12 seconds. Following integration with Sumsub, our pass rate grew by 70%.
        Elkhan Nasibov
        Elkhan Nasibov
        Executive Director and Chief Compliance Officer at Guavapay
      • Regarding pass rates and onboarding time, we did expect significant improvements in these areas, but the difference Sumsub made far exceeded our expectations.
        Theodoros Photiou
        Theodoros Photiou
        Global Head of Compliance at Libertex
      • There has been an immense change. The pass rate has essentially been inverted. It was a 90% failure, and now we have a 94% pass rate.
        Diana Arias
        Diana Arias
        Head of Compliance at Rise
      • "Sumsub's specific competence in this area complement our existing compliance routines very well. They have been able to customize KYC document screening to fit our specific flows and need."
        Maria Fedorova
        Maria Fedorova
        COO at Exness
      • Sumsub made our verification process over 20 times faster and increased our pass rate to 95%. Although our operational costs have increased with verification fees, the trust and confidence gained from our verified users have led to a 30% increase in the deposit rate for new users, offsetting these costs and boosting our revenue.
        Mike Putol
        Mike Putol
        DPO at Winzir
      • Since integrating Sumsub, we have seen clear and positive results from day one. Most applicants are processed within seconds, and the pass rate exceeds 90%. Based on these performance metrics, we are pleased with the improvements in our onboarding process.
        Chloe Tsai
        Chloe Tsai
        Head of Legal at WOO X

      Let the numbers do
      the talking

      Platforms and operators that work with Sumsub save costs and get 240% ROI on average, according to the “Total Economic Impact™ Of Sumsub’s Verification Platform” study by Forrester Consulting.

      240%
      ROI
      3.21m
      NPV
      4.55m
      Benefits PV
      < 6
      month payback

      FAQ

      • What is the ideal KYC workflow, step-by-step?

        There isn’t a one-size-fit-all for workflows. Every use case, industry and market calls for a different set of rules and conditions. Luckily, we have a library of ready-made and tested workflow examples to help you get started.

      • What is the KYC process (cycle)?

        Customer onboarding that new users must undergo in order to gain access to a product or service, usually with the help of automated identity verification software. Depending on your business and jurisdiction, your users need to verify during sign-up and/or at later stages.

      • What aspects of customer onboarding can you automate?

        It’s possible to automate every step of the onboarding process with an automated client onboarding tool, including document verification, background checks, and identity confirmation.

      • What is client onboarding software?

        Client onboarding software (also known as “orchestrated customer onboarding software”) can be a KYC/AML platform like Sumsub, designed to ensure that the user is who they claim to be and isn’t involved in any fraud or money laundering activity.

      • Do I need developers to build or change a verification workflow?

        No. Sumsub’s Workflow Builder gives you the option to use a visual drag-and-drop canvas, AI agents of your choice or built in Summy AI to build flows, so a compliance or operations team member can set the triggers, conditions, and actions themselves without writing code. When your requirements change, you can update a live workflow directly in the dashboard, so you are not waiting on an engineer to adjust your verification logic.

      • Which data points can I use to decide what checks a user goes through?

        Sumsub’s Workflow Builder can branch on any data point, including country, device information, IP address, payment details, and custom triggers that you specify. This lets you apply the right checks to each person based on the signals that matter for your own risk policy, so the verification each applicant sees reflects their risk profile.

      • Can I run different verification workflows for several countries or user groups at once?

        Yes. Sumsub’s Workflow Builder lets you set conditions that route each applicant into the path that fits their country, user group, or risk level.

      • How quickly can I update a workflow when regulations or policies change?

        Sumsub’s Workflow Builder lets any team members with the right permissions edit a workflow directly in the dashboard, so when a rule or an internal policy changes you can adjust the conditions and actions yourself and publish the update without a development cycle. You can also test the change against real activity before it goes live, which helps you confirm it works as intended.