KYC & eIDV Solutions: verifying identity through transactional data
Why data rather than documents alone?
"Because today, everything can be forged — except real life and what people actually buy." This conviction drives our KYC (Know Your Customer, customer identity verification) and eIDV (electronic identity verification) method. Every act of consumption generates data. Every data point proves the real existence of an individual, their anchoring in a social, professional and financial environment.
We verify identity through data from verified purchase transactions, backed by government, telecom and media sources. You obtain a robust identity verification verdict that interrogates the transactional footprint a person leaves in the real world through their daily activities — not just the quality of a scanned document.
Three families of sources intersect in the verification process:
- Transactional sources: payment history, banking behavior, credit scoring (under the oversight of accredited credit rating agencies).
- Government sources: official registries, international sanctions lists, social security number verification or its national equivalent.
- Telecom and media sources: verified phone number, line tenure, name/number/address cross-checks, editorial and professional presence.
The result: a reliable, compliant electronic identity verification process, resistant to the most sophisticated document fraud. OCR technology or facial recognition is no longer enough against AI-generated deepfakes. Our eIDV solution stays effective when purely document-based methods fail. A standalone electronic signature — even a qualified one — can be circumvented; the intersection of a person's real-world activities cannot be forged.
"You can forge a passport, an electronic signature, even an AI-generated face. You cannot forge ten years of transactional history and social presence."
Our approach: a complement, not a replacement
We say it plainly to every CIO, compliance officer and risk director we work with: our approach is a necessary complement to the other KYC phases (biometric or document checks) and has become essential to secure new-customer onboarding and to fight fraud.
You keep your document checks, your facial recognition, your strong authentication. We add the transactional layer that anchors them in real life. This articulation proves decisive when meeting the requirements of anti-money-laundering and counter-terrorism financing (AML/CFT) rules and the 6th EU Anti-Money Laundering Directive (AMLD6), in a context of electronic identity (eID) standardized by eIDAS 2.0 and personal data protection enforced by GDPR.
Depending on the risk profile, we orchestrate eIDV with your biometric or document layer, or we activate a standalone eIDV verification for low-risk users. You access a scalable identity verification, calibrated to your use case, your regulated sector and your fraud exposure.
Biometrics, document verification, eIDV: an articulated framework
Your onboarding journeys typically combine three families of identity verification techniques, each with its strengths and limits against modern fraud:
- Document verification (OCR, security feature checks, field consistency) remains the foundation required by most regulatory frameworks. Its limit: the growing sophistication of deepfakes and AI-generated forged documents.
- Biometrics (facial recognition, liveness check, selfie/document comparison) strengthens the authentication of the person facing the camera. Its limit: it proves the presence of a person at time T, not their social existence over time.
- eIDV through transactional data anchors identity in real life: verified purchase history, presence in government registries, long-active telecom line, editorial and professional presence.
None of these techniques alone is sufficient for a robust KYC framework against 2026 fraud. Our conviction: the three families articulate together, and transactional data brings the anchoring layer that makes the other two resistant to forged documents and deepfakes.
Our role: mapping third-party technical solutions and identifying the right ones for your case
Euroleads neither develops nor markets its own biometric or document OCR layer. Our craft is to map most of the third-party technical solutions on the market, across every country — biometric vendors, document verification providers, KYC orchestration platforms — and to identify the ones best suited to your specific need, to articulate them with our transactional-data eIDV.
This stance applies to KYC as it does to data marketing: Euroleads is neither judge nor party. Our recommendations on third-party solutions are never biased by a vendor partnership. We select on three operational criteria:
- Relevance to your vertical (banking, fintech, crypto, insurance, e-commerce, real estate) and your risk profile.
- Real geographic coverage of the solution across your target markets, not just western Europe.
- Native integration with your existing stack and our transactional eIDV, with no extra orchestration cost.
You benefit from a composite KYC framework, designed for your context, combining the best biometric layer on the market, the best document layer, and our transactional-data eIDV — without dependence on a single vendor.
Three numbers that prove the robustness of the process
| Indicator | Value |
|---|---|
| Electronic identity verifications run every month | 5 million |
| Demonstrated ROI on an online banking client case | 220:1 |
| Worldwide sources mobilizable for your checks | 4,000 |
On this online banking client case, the switch to eIDV reduced the sign-up abandonment rate from 25% to 5% and automated 60,000 onboardings per year. According to Tracfin (the French financial intelligence unit, 2024 activity report), money-laundering suspicion reports rose by 18% over the year and document checks multiplied. Reliable, compliant, automated identity verification has become a strategic stake for every banking and financial player, as well as for non-financial companies exposed to fraud risk. We work with financial institutions that prefer an automated AML approach to manage their high-risk client portfolio, and with non-regulated players who want to strengthen their onboarding without burdening the user journey.
Your sectors: six KYC verticals covered
Banking
Banking KYC
Fintech
Fintech KYC
Crypto
Crypto KYC
E-commerce
E-commerce KYC
Insurance
Insurance KYC
Real estate
Real Estate KYC
Regulatory compliance: a demanding framework we master
KYC regulation evolves fast. You must align your verification process with a stack of texts that keep tightening on money laundering and terrorism financing.
| Framework | Scope |
|---|---|
| AML/CFT | Anti-money-laundering and counter-terrorism financing (French Monetary and Financial Code) |
| AMLD6 | Sixth EU Anti-Money Laundering Directive (2024) |
| eIDAS 2.0 | Electronic identification and trust services, qualified electronic signature — the foundation of eID |
| GDPR | Personal data protection and customer consent |
| MiCA | Markets in Crypto-Assets: specific requirements for crypto players |
| PSD2 | Strong customer authentication (SCA), document verification |
Every update is integrated into our KYC eIDV process and audited by the MV Group DPO (Cabinet Inside Avocats). We coordinate compliance with your compliance function and provide a complete audit trail for each identity verification, usable in case of an ACPR or Tracfin check.
Fast integration, controlled onboarding
You expect fast integration and seamless scaling. We provide a documented real-time API for your development teams, with a reference SDK and a test environment. Deployment takes a few days on most stacks (REST, JSON), compatible with existing verification processes.
Three steps structure the start:
1. Discovery: together we map your current customer identity journey, your business risks and the applicable regulatory requirements (AML/CFT, AMLD6, eIDAS 2.0, sector-specific rules). At this stage you verify document coverage and the consistency of existing activities.
2. Integration: API connection, field mapping (last name, first name, date of birth, social security number, document evidence, electronic signature), tests on a representative volume. Optional facial recognition can be activated at this stage for high-risk profiles.
3. Production go-live: gradual switch-over, monitoring of verdicts, risk-threshold tuning by client profile (low-risk users, standard risk, high risk). The suspicious-case portfolio is reviewed monthly with your compliance function.
Why choose us for your KYC eIDV?
Data expertise
Euroleads is neither judge nor party
A free audit of your existing checks
Audited compliance
Euroleads is part of MV Group (seven digital and data companies: Yumens, GoodBuy Media, Euroleads, Tribu, Avanci, Yes Indeed, Weaver-fi). You benefit from the synergy of every digital and data trade under one group. Several of our banking, fintech and insurance clients have trusted us for more than ten years, with no service disruption through each regulatory wave. We also support non-financial companies exposed to fraud risk or sector-specific requirements. You verify your compliance with a partner that has seen every generation of electronic signature, every wave of facial recognition and every AML evolution.
Secure every customer entry through data
Secure every customer entry through data. Compliant, automated, integrable in a few days. You describe your onboarding journey, your risk profile and your regulatory requirements. We propose in return the combination of sources and the identity verification process that fits.