RegTech / e‑KYC | Products — SGT Systems Limited

Overview

SGT RegTech / e-KYC is a regulated-grade identity verification, AML screening, and ongoing-monitoring platform. A customer scans their passport / national-ID, takes a selfie, performs a liveness challenge, and the system extracts data via OCR, verifies the document, biometrically matches the face, and screens 140+ sanctions / PEP / adverse-media lists — all in well under a second, with a hash-chained audit trail the regulator can replay.

Built for banks, neobanks, exchanges, payment institutions, gambling operators, telcos, and any business with KYC / AML obligations. Drop-in SDK for web and mobile, REST API for back-office, plus a case-management console for compliance officers.

Sub-second decision — 312 ms p95 end-to-end (capture → decision)
Global coverage — 11,000+ ID document types from 195 countries
Liveness ISO 30107 — 3D depth, blink, head-turn; passive + active modes
142+ watchlists — OFAC, EU, UN, HMT, FinCEN, PEP, adverse media, refreshed daily

How It Works

The diagram shows the four layers of an e-KYC deployment. Hover any module to see live telemetry.

ID Capture — passport with MRZ + OCR field bounding boxes, scan-line animation, plus selfie with 30-point face landmarks overlay, blinking iris simulation, and a cycling liveness prompt (turn head → blink → pass).
OCR & Biometrics — 5-stage pipeline (classify → MRZ/OCR extract → doc authenticity → liveness → face match) with a pulse traveling through, structured-data card showing extracted fields, and the cosine-similarity match score.
Watchlist & AML — scan-strip animation crossing OFAC, EU, UN, HMT, PEP, FinCEN, adverse-media, Interpol Red; AML risk-score gauge; transaction-monitoring rules; ongoing daily re-screen.
Audit & Regulator — full step-by-step immutable log with hash chain; regulator-API status (SAR / CTR / FCA / goAML / FATCA-CRS); compliance certifications (eIDAS AAL2, NIST 800-63, ISO 30107, SOC-2, MLR-17, FATF).

A continuous feedback channel pushes rule updates, new-list ingestion, model retraining, and KYC-refresh triggers back into the engines — the purple stream along the bottom.

Features

Document verification — passport, national ID, driving licence, residence permit; 11K+ templates
MRZ + OCR extraction — all fields with checksum validation, multi-language (40+ scripts)
Tamper / forgery detection — hologram, font, micro-print, paper-grain, image-edit fingerprints
NFC chip read — read passport chip on NFC-capable phones for cryptographic verification
Selfie + liveness — passive (depth analysis) + active (blink / turn / smile); ISO 30107 PAD
Face matching — embedding cosine; FAR 1e-7, FRR 0.4%
Address verification — utility bill, bank statement, gov-letter parsing + cross-check
Sanctions & PEP screening — OFAC, EU, UN, HMT, FinCEN, Interpol, 140+ lists daily
Adverse media — global news / social monitoring with NLP-based negative-sentiment scoring
Beneficial-ownership UBO — corporate structures, ownership chains, ultimate beneficial owner
Transaction monitoring — structuring, velocity, cross-border, counterparty risk rules
Ongoing monitoring — daily re-screen, delta alerts, KYC refresh on schedule or trigger
Case-management console — investigator workflow, SAR drafting, notes, file uploads
Audit & reporting — hash-chained log, regulator API push (FCA, goAML, FinCEN), FATCA / CRS

Use Cases

Bank / neobank onboarding — open an account from a phone in under 5 minutes
Crypto exchange KYC — Tier-1 / Tier-2 / Tier-3 tiered limits driven by check depth
BNPL / lending — identity + bureau soft-pull at checkout
InsurTech onboarding — bind a policy with verified identity, vulnerable-customer flag
Gambling / iGaming — age verification + responsible-gambling self-exclusion register check
Telco SIM activation — eKYC for pre-paid SIM in regulated markets
Marketplace seller KYB — business + UBO verification before a seller can list
Healthcare & pharmacy — Rx-eligible identity, age-restricted purchase

Specifications

Document coverage: 11,000+ templates · 195 countries · 40+ languages
Latency: p95 312 ms (capture-to-decision) · p99 760 ms
Throughput: 47 KYC / minute per instance · linearly scalable; tested at 12K / minute
Accuracy: OCR 99.4% · face-match FAR 1e-7 / FRR 0.4% · liveness ISO 30107 PAD
Watchlists: 142 sources · refreshed daily · adverse-media NLP across 50+ languages
SDKs: iOS (Swift), Android (Kotlin), Web (JS, React, Vue), React Native, Flutter
APIs: REST + GraphQL + webhooks; back-office Python / Node / Java client libraries
Compliance: eIDAS AAL2, NIST 800-63, ISO 30107, ISO 27001, SOC-2 Type II, GDPR, MLR-17, FATF
Regulator integrations: FCA Connect, FinCEN goAML, FRA-TRACFIN, AUSTRAC, MAS, FIU-IND
Data residency: EU, UK, US, UAE, Singapore, India — region pinning supported