Banking & Fintech KYC: financial compliance through transactional data
Banking, fintech, crypto: one shared compliance foundation, three operational realities
You operate in financial services, and your KYC (Know Your Customer, customer identity verification) compliance answers a shared framework: AML/CFT (anti-money-laundering and counter-terrorism financing), the 6th EU Anti-Money Laundering Directive (AMLD6), GDPR, eIDAS 2.0. This regulatory foundation applies to every structure that collects, verifies or archives the identity of a financial client.
But behind that shared foundation, your constraints differ by vertical:
BANKING
ACPR supervision and enhanced vigilance
In banking, your KYC framework sits inside an environment supervised by the ACPR (the French prudential authority), with a critical volume of onboardings, an often multi-channel journey and enhanced vigilance requirements on at-risk profiles.
FINTECH
Fast onboarding, API scalability, PSD2 and DORA
In fintech, your constraints concentrate on onboarding speed, API scalability, native integration into a modern stack, and compliance with PSD2 as well as DORA for operational resilience.
CRYPTO
MiCA, CASP status and Travel Rule
In crypto, your specific regulatory framework rests on MiCA (Markets in Crypto-Assets), the CASP status with the AMF (the French financial regulator), and the Travel Rule which imposes sender/beneficiary traceability on every transfer.
Your three verticals — direct access
Each vertical has its own detailed page with use cases, sector specificities and performance indicators.
Visit Banking KYC — Automated compliance for banks, neobanks and credit players. You verify identity, pilot PEP (politically exposed persons) screening, filter sanctions and trace Tracfin reports.
Visit Fintech KYC — API-first onboarding for fintechs, payments, BNPL and neobanks. You integrate the solution in days, access a real-time SLA and calibrate risk scoring to your use case.
Visit Crypto KYC — MiCA-compliant identity verification for exchanges, wallets and CASPs. You automate the Travel Rule, deploy crypto anti-money-laundering and identify beneficial owners.
A shared approach: transactional data at the heart of your framework
"Because today, everything can be forged — except real life and what people actually buy." This conviction drives our approach across the three financial verticals. We verify identity through data from verified purchase transactions, backed by government, telecom and media sources.
Our eIDV (electronic identity verification) approach is a necessary complement to the other phases of your KYC framework. You keep your document checks, your facial recognition, your strong authentication. We add the transactional layer that anchors them in real life.
Whether you want to activate eIDV as a complement to your biometric layer or in stand-alone mode for low-risk users, we orchestrate the combination suited to your risk profile. You access a tiered verification framework, calibrated to your vertical and your fraud exposure.
The six regulatory frameworks driving your compliance
| Framework | Scope | Affected verticals |
|---|---|---|
| AML/CFT | Anti-money-laundering and counter-terrorism financing | Banking, fintech, crypto |
| AMLD6 | 6th EU Anti-Money Laundering Directive | Banking, fintech, crypto |
| eIDAS 2.0 | Electronic identification and trust services | Banking, fintech, crypto |
| GDPR | Personal data protection | Banking, fintech, crypto |
| MiCA | Markets in Crypto-Assets, unified crypto framework | Crypto |
| PSD2 / DORA | Strong customer authentication, operational resilience | Banking, fintech |
Each vertical undergoes a specific compliance audit. Our MV Group DPO (Cabinet Inside Avocats) oversees the alignment of your data sources with these frameworks, consistent with the recommendations of the ACPR, the AMF, the CNIL (the French data protection authority) and Tracfin.
Three robustness indicators on the financial perimeter
| Indicator | Value |
|---|---|
| Identity verifications run every month for your clients | 5 million |
| Demonstrated ROI on an online banking client case | 220:1 |
| Worldwide sources mobilizable for your checks | 4,000 |
On the referenced 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. These volumes are not a showcase: they translate the depth of coverage that meets your sector requirements, with no dependence on a single vendor.
Our independence, your guarantee
"Euroleads is neither judge nor party." We do not collect or host any data. Our craft is to identify, qualify and select the best worldwide sources and the third-party technical solutions best suited to your use case. This stance applies to data marketing as it does to KYC: across the three financial verticals, our recommendations remain impartial by construction.
Three concrete benefits for your project:
NO VENDOR BIAS
Impartial recommendations by construction
No vendor bias in the recommendation you receive. You access the combination of sources and techniques most relevant to your vertical, not the one a vendor has a stake in.
FREE AUDIT
Measure your current coverage
A free audit of your existing KYC setup, to measure your current coverage and the optimum reachable against your risk exposure.
AUDITED COMPLIANCE
MV Group DPO supervision, GDPR and local laws
Audited compliance on every source mobilized for you, supervised by the MV Group DPO, compliant with GDPR and local laws.
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.
Your next step
Your priorities shape the sources we mobilize. You describe your vertical, your risk profile and your regulatory requirements. We propose in return the combination of sources and third-party techniques most relevant — transactional-data eIDV, biometrics or document checks depending on your use case.