KYC Hub

What KYC Hub does

KYC Hub, operated by MerlinAI Labs Pvt Ltd and headquartered in London, is an AI-based fraud and compliance infrastructure platform that covers the full financial crime lifecycle — onboarding, KYC, KYB, AML screening, transaction monitoring, risk scoring, case management, and decision automation — through a modular SaaS stack delivered via 200+ REST APIs and pre-built connectors. The underlying technology combines deep learning, natural language processing, computer vision, and network science, powering proprietary components such as the GraphIntel knowledge graph for entity and network risk detection, AI-driven OCR and intelligent document processing, biometric liveness and face matching, and the OpsFlow no-code workflow engine with 100+ preset rules. Coverage spans 190+ countries, 3,000+ document types, and 100+ languages, with region-specific capabilities including RBI-aligned V-CIP, Aadhaar OKYC, and PAN verification in India. The platform is ISO 27001 certified, GDPR compliant, and SOC 2 audited.

KYC Hub sells primarily to regulated enterprises on a subscription model with three tiers (Starter Compliance, Growth, and Enterprise) priced by verification volume and modules used, and supplements recurring revenue with managed services where the company runs onboarding and monitoring on behalf of clients. Its go-to-market is sales-led with guided demos and structured pilots for enterprise buyers, complemented by an API-first distribution that lets mid-market customers go live in days through pre-built workflow templates. The company serves nine regulated verticals — banking, fintech, payments, lending, insurance, crypto, investment management, trade finance, and iGaming — from regional hubs in London (EMEA headquarters), Singapore (APAC), and Bangalore (engineering, product, and India market), with engineering and product development concentrated in India. Founded in 2019, the company has raised a single disclosed seed round from SFC Capital and operates with 11-50 employees.

Name

KYC Hub

Legal name

MerlinAI Labs Pvt Ltd

Website

https://kychub.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

KYC Hub is an AI-based compliance platform offering modular KYC, KYB, AML screening, transaction monitoring, and case management via 200+ APIs. It serves banks, fintechs, payments, lenders, insurers, crypto firms, investment managers, and trade finance providers globally.

Ownership category

akta.pro rank

Product category

RegTech Compliance Software

NAICS

Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)

akta.pro secondary industries

Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI), KYC/KYB Identity Verification & Onboarding (FSADALAA), Regulatory Reporting, Travel Rule & Recordkeeping (Crypto) (FSADALAI), AML/KYC, KYB & Identity Verification (VASP/Travel Rule) (FSAPAJAC), Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD)

Keywords

• Compliance software
• KYC verification
• AML screening
• Identity verification
• Fraud prevention

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Subscription-based SaaS: Pricing scales with verification volume and the compliance modules used. Works on monthly commitment reflecting expected throughput with room to grow. Three tiers: Starter Compliance (basic KYC/AML), Growth (higher volumes with transaction monitoring and adverse media), and Enterprise (KYB, custom workflows, dedicated support).
2. Managed Services: KYC Hub provides managed services where the company handles customer onboarding, verification, and monitoring on behalf of clients, easing compliance burden without requiring clients to hire and train dedicated teams.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

KYC Hub operates an integrated, AI-based fraud and compliance infrastructure platform delivered as a modular SaaS solution covering the full financial crime lifecycle — onboarding, KYC, KYB, AML screening, transaction monitoring, risk detection, decision automation, and case management. The platform exposes 200+ REST APIs and pre-built connectors covering identity verification across 190+ countries and 3000+ document types, with specialized modules such as OpsFlow (no-code workflow automation), GraphIntel (global knowledge graph of high-risk entities), Customer Risk Rating, and India-specific stacks including V-CIP, Aadhaar OKYC, and PAN verification.

Product overview

KYC Hub is an integrated fraud and compliance infrastructure platform covering the full financial crime lifecycle. The platform operates on a modular architecture with a core unified compliance engine supplemented by specialized modules: OpsFlow (no-code workflow builder with 100+ templates), GraphIntel (knowledge graph for network risk detection), Global Verification Portal, Customer Risk Rating (150+ risk factors), Compliance Case Management, Intelligent Document Processing (AI-powered OCR), Video KYC (V-CIP with geo-intelligence), AML Screening & Monitoring (100K+ data sources), Transaction Monitoring, and Workflow Automation. Core verification capabilities span 190+ countries and 3000+ document types with biometric liveness, business verification, government database integration, and adverse media intelligence in 100+ languages. Additional modules include Face Liveness, Document Verification, Government Database Verification, Phone & Email Verification, Digital Signature, Decision Automation, and KYC India (with Aadhaar OKYC and PAN verification). All services are accessible through 200+ REST APIs and pre-built connectors.

Differentiator

Problem solved

Functional benefit

Products and services

• OpsFlow No-code, AI-powered workflow builder that automates compliance processes using RPA technology. Enables configurable workflows, custom dashboards, and decision rules without engineering tickets; for compliance teams at regulated businesses.
• Global Verification Portal Building blocks to verify, understand, and monitor customers throughout their entire lifecycle. Covers identity, compliance, and decision flows with live registry data for businesses worldwide.
• GraphIntel Global knowledge graph of high-risk entities with continuous updates from authoritative data sources. Enables advanced network risk detection through relationship mapping and graph analytics for compliance teams.
• Global KYC Real-time identity verification across 190+ countries with support for document checks, biometric liveness, and business verification methods, for banks, fintechs, and other regulated businesses.
• Global KYB UBO discovery and live registry data for onboarding corporate entities. Covers global business verification with real-time corporate registry integration for compliance teams.
• AML Screening & Monitoring Continuous screening against global sanctions, PEP, and adverse media in 100+ languages. Uses 100K+ global data sources with configurable match thresholds and rescreen cadences for compliance teams.
• Transaction Monitoring Real-time AML rules and anomaly detection across every payment rail. Includes no-code rules configuration and Know Your Transactions capabilities for compliance and risk teams.
• Customer Risk Rating Dynamic risk scoring using 150+ factors across KYC/KYB data, behavior, and transactions to drive risk-based due diligence. Continuously updates based on latest sanctions, PEP, watchlists, and adverse media.
• Compliance Case Management Centralized case management with configurable workflows, audit-ready evidence packs, SAR generation, and real-time collaboration across compliance, risk, and operations teams.
• Intelligent Document Processing AI-powered OCR technology for extracting, validating, and structuring data from KYC, KYB, and onboarding documents. Combines OCR with AI and ML for improved data extraction accuracy across 100+ document types.
• Video KYC (V-CIP) RBI-compliant Video Customer Identification Process combining live video KYC, AI-powered identity verification, biometric certainty with 50+ facial data points, passive liveness detection, and geo-intelligence for secure digital onboarding, primarily for India-regulated businesses.
• Face Liveness Biometric liveness and face match verification using active and passive detection to prevent deepfake, replay, and mask-based spoofing attempts. Continuously adapts to evolving fraud patterns.
• Document Verification Authentication of 3000+ ID types with deep forgery checks using computer vision and ML-based document forensics across 200+ countries, for compliance and onboarding teams.
• Government Database Verification Direct registry integrations across India, EU, and MENA for verifying identity documents against authoritative government databases, for compliance and onboarding teams.
• Phone & Email Verification Verification services for phone numbers and email addresses as part of the overall identity verification stack for onboarding and risk teams.
• Digital Signature Legally binding eSign with full audit trail for issuing, signing, and storing documents within compliance workflows, for onboarding and operations teams.
• Adverse Media Intelligence Screens and monitors customers against adverse media from millions of articles and thousands of credible global sources in 100+ languages to uncover hidden risks for compliance teams.
• Decision Automation AI-based decision engine that processes low-risk customers automatically and defines manual intervention triggers. Includes AI assistant for alert prioritization, for compliance operations.
• Workflow Automation No-code workflow automation solution that automates repetitive KYC, AML, and screening tasks, reducing manual effort and bottlenecks across the financial crime lifecycle for compliance teams.
• KYC India India-specific KYC solution with APIs for identity, financial, corporate, and employee verification. Supports Aadhaar OKYC, PAN verification, V-CIP, biometric authentication, and RBI-aligned onboarding flows for India-regulated businesses.
• Managed KYC/AML Services Managed services offering in which KYC Hub handles customer onboarding, verification, and ongoing monitoring on behalf of clients, easing compliance burden without requiring clients to hire and train dedicated teams.

Quantifiable outcome

• 40-55% lower compliance costs compared to other providers
• +2 more outcomes

Named customers1 record

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability11 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Core Banking SystemscoreTechnology or IntegrationPre-built connectors for core banking systems enabling seamless integration of KYC Hub's compliance platform into existing banking infrastructure. Integration achieved through REST APIs and webhooks without requiring customers to rebuild their technology stack.
• CRM PlatformscoreTechnology or IntegrationPre-built connectors for CRM platforms allowing compliance data to flow directly into customer relationship management workflows. Enables unified customer view combining commercial and compliance data.
• Lending PlatformscoreTechnology or IntegrationAPI integration with lending platforms for borrower verification, risk scoring, and fraud detection integrated into loan origination workflows.
• Case Management SystemscoreTechnology or IntegrationPre-built connectors for case management systems enabling compliance cases to be managed within existing operational workflows with full audit trail integration.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Veriff: Veriff offers AI-powered identity verification with document authentication, biometric checks, and AML screening for regulated industries. It is a direct competitor in the enterprise KYC and fraud-prevention market.
• ComplyAdvantage: ComplyAdvantage provides AI-driven AML screening, transaction monitoring, and customer risk rating used by banks, fintechs, and crypto firms. It is a direct peer to KYC Hub's AML Screening & Monitoring and Customer Risk Rating modules.
• Jumio: Jumio is a leading identity verification and KYC platform serving banks, fintechs, crypto, and sharing-economy companies globally. It directly competes with KYC Hub across document verification, biometric liveness, AML screening, and orchestration workflows.
• Sumsub: Sumsub offers an all-in-one verification platform covering KYC, KYB, AML, transaction monitoring, and case management with strong focus on crypto, fintech, and iGaming. It overlaps directly with KYC Hub's modular full-lifecycle compliance stack.
• IDfy: IDfy is an India-based identity verification and background-check platform serving BFSI, gig economy, and HR use cases. It is comparable to KYC Hub as a regional direct peer focused on KYC, video KYC, and employment screening in the Indian market.
• Trulioo: Trulioo operates a global identity verification network spanning 195+ countries with KYC, KYB, and AML screening APIs. It competes directly with KYC Hub's Global Verification Portal on cross-border coverage and document-type breadth.
• Signzy: Signzy is an India-headquartered digital onboarding and compliance platform offering KYC, KYB, V-CIP, and banking APIs. It competes directly with KYC Hub's KYC India stack and serves the same RBI-regulated customer base.
• Onfido (Entrust): Onfido, now part of Entrust, provides AI-powered identity verification, document checks, and biometric authentication used by regulated financial services and fintechs. It is a direct competitor to KYC Hub's Global KYC and document verification modules.
• Persona: Persona is a configurable identity verification platform with KYC, KYB, AML, and fraud tools targeted at fintechs, crypto, and digital-native businesses. Its flexible, API-first orchestration approach closely mirrors KYC Hub's OpsFlow model.

Broad incumbents

• NICE Actimize: NICE Actimize is a long-standing enterprise AML, KYC, and financial-crime compliance suite deployed across tier-1 banks and large financial institutions globally. It is a broad incumbent whose AML and entity-resolution capabilities overlap with KYC Hub's enterprise compliance stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/thekychub
• LinkedInlinkedin.com/company/kychub
• Facebookfacebook.com/kychub

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KYC Hub