> ## Documentation Index > Fetch the complete documentation index at: https://docs.moca.network/llms.txt > Use this file to discover all available pages before exploring further. # Fintech & Payments > Reduce KYC costs, eliminate PII liability, and enable cross-platform compliance verification — without changing your KYC provider or your user flow. ## 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 $5–$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** Prove `isOver18` 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 | Full schemas, KYC webhook code, and age gate patterns. Full regulatory and data handling answers. Revenue model, fee structure, and rewards.