Fintech & Payments
The Problem
Financial services carry the heaviest identity verification burden of any industry. Every new product, every new partner integration, every new regulatory jurisdiction demands another round of KYC — costs running 50 per user, abandonment rates averaging 30%, and a growing database of sensitive documents that represents liability, not value.What Changes With AIR Kit
- KYC costs fall per partner onboarded — Your first KYC verification is the only one your customers need. Partners accept the credential, not a new document submission
- No PII liability for verifiers — Partners accepting your KYC credential receive only COMPLIANT / NON_COMPLIANT. They never hold your customer’s identity documents
- Age and accreditation gates without storing raw data — Prove a user is 18+, 21+, or an accredited investor without ever transmitting or storing the underlying facts
- Cross-border compliance without bilateral agreements — One KYC credential, presentable to partners across the Moca ecosystem. Partner acceptance depends on their regulatory requirements
Specific Use Cases
KYC Re-use Across Partners Your bank onboards a customer, passes KYC, issues a credential. That customer opens an account with a partner fintech. The partner verifies the credential in one SDK call — no new document submission, no re-KYC cost, no waiting period. DeFi and Financial Product Access Gate access to financial products, DeFi pools, or high-value transactions behind a KYC credential check. Users who have already verified are admitted instantly. Users who haven’t are prompted to verify once. Accredited Investor Verification Issue an income or net worth attestation on your platform. Any partner offering private placements, alternative investments, or regulated financial products can verify it via ZK proof — without ever seeing the income figures. Age Gating ProveisOver18 or isOver21 without revealing the user’s birthdate to the verifier. Regulatory requirements for age-restricted financial products are met without creating a new data storage obligation.
What Compliance Will Ask
Does this satisfy our AML/KYC obligations? Your KYC obligations remain with your KYC provider. AIR Kit converts the pass result into a portable credential — it does not replace or modify the KYC process itself. What does the credential contain? Only derived facts you define: KYC level, provider name, pass date, country of verification, boolean age checks. No raw documents, no national ID numbers, no financial data. Who is liable if a credential is fraudulent? You, as the issuer, are responsible for the KYC process that underlies the credential — the same as today. AIR Kit provides the credential infrastructure; the compliance process is yours. Can we revoke credentials immediately? Yes. Revocation is one API call and takes effect on-chain instantly.Integration at a Glance
| What your team builds | One API call in your KYC webhook |
| Engineering effort | 1 backend engineer |
| Timeline to live | 2–3 weeks |
| User flow changes | None |
| Partner integration | 3 lines of SDK code |