> ## Documentation Index
> Fetch the complete documentation index at: https://developers.argosidentity.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Fintech (remittance) KYC setup guide

> ARGOS ID Check configuration guide for AML/KYC regulatory compliance in fintech and remittance services.

Fintech and remittance services are subject to strict **Anti-Money Laundering (AML)** and **Know Your Customer (KYC)** regulations. Regulatory guidelines typically require at least 2 overlapping verification methods for remote account opening.

<Warning>
  **Regulatory risk**

  Failure to block remittances to UN Security Council sanctioned countries or individuals can result in business suspension and significant fines.
</Warning>

***

## Key requirements

| Item                      | Requirement                            |
| ------------------------- | -------------------------------------- |
| **Key regulations**       | AML/KYC laws (Anti-Money Laundering)   |
| **Required verification** | ID + selfie liveness                   |
| **Security level**        | Highest (financial transaction level)  |
| **Liveness**              | Active mode (fraud prevention)         |
| **AML**                   | Required (Sanctions/PEP/Adverse Media) |
| **Data retention**        | ID documents and records for 5+ years  |

***

## Required settings checklist

<Steps>
  <Step title="Authentication method settings">
    **Project Management > Policy and Authentication > KYC Process**

    | Setting                       | Recommended value        | Rationale                                       |
    | ----------------------------- | ------------------------ | ----------------------------------------------- |
    | ARGOS score threshold         | 70 points (conservative) | Apply strict auto-approval criteria             |
    | ID recognition guarantee mode | ON                       | Only allow OCR-readable IDs                     |
    | Universal ID support          | ON                       | Support various IDs for international customers |

    <Card title="Configure KYC process" icon="arrow-right" href="/dashboard/en/project-management/policy-and-authentication/kyc-process">
      View detailed settings
    </Card>
  </Step>

  <Step title="ID forgery prevention settings">
    **Project Management > Policy and Authentication > Anti-fraud and Forgery Prevention > ID-based**

    | Setting                | Recommended value                     | Rationale                                         |
    | ---------------------- | ------------------------------------- | ------------------------------------------------- |
    | MRZ check              | ON (name threshold 85)                | Cross-verify passport MRZ information             |
    | ID liveness            | Retry (screen replay, paper printout) | Block forged IDs                                  |
    | Streaming capture only | ON                                    | Block gallery uploads, verify physical possession |

    <Card title="Configure anti-fraud settings" icon="arrow-right" href="/dashboard/en/project-management/policy-and-authentication/anti-fraud-and-forgery-prevention">
      View detailed settings
    </Card>
  </Step>

  <Step title="Biometric (selfie) settings">
    **Project Management > Policy and Authentication > Anti-fraud and Forgery Prevention > Face Authentication**

    | Setting            | Recommended value        | Rationale                                      |
    | ------------------ | ------------------------ | ---------------------------------------------- |
    | Selfie process     | ON (threshold 85)        | ID-selfie comparison                           |
    | Selfie liveness    | Active mode (≥85)        | Defend against deepfake/spoofing attacks       |
    | Face deduplication | ON (reject on duplicate) | Prevent same person creating multiple accounts |

    <Warning>
      When using active liveness, the **streaming capture only** option is enforced.
    </Warning>
  </Step>

  <Step title="Additional verification settings">
    **Project Management > Policy and Authentication > Anti-fraud and Forgery Prevention > Additional Auth & Meta Info**

    | Setting                      | Recommended value | Rationale                                                                     |
    | ---------------------------- | ----------------- | ----------------------------------------------------------------------------- |
    | Government data verification | ON                | Verify national ID, driver's license, passport, residence permit authenticity |
    | Proxy & VPN detection        | ON                | Block suspicious IP connections                                               |

    <Warning>
      **Country-specific availability**

      * **Government data verification**: Only South Korea and Mexico IDs supported

      If you need government data verification for additional countries, please [contact us](/resources/support). Additional support can be arranged upon request.
    </Warning>
  </Step>

  <Step title="AML settings">
    **Project Management > Policy and Authentication > Anti-Money Laundering (AML)**

    | Setting                  | Recommended value    | Rationale                                                     |
    | ------------------------ | -------------------- | ------------------------------------------------------------- |
    | AML Watch list filtering | ON (threshold 90-93) | UN, OFAC sanctions list and PEP screening                     |
    | AML Ongoing Monitoring   | ON                   | Immediate detection when added to sanctions list after signup |
    | Full date of birth match | ON                   | Prevent false positives from namesakes                        |

    <Tip>
      **Importance of Ongoing Monitoring**

      This is a key tool for meeting the strengthened FATF (Financial Action Task Force) recommendations since 2024. It re-scans customer data daily to detect cases where someone was normal at signup but was later added to a sanctions list.
    </Tip>

    <Card title="Configure AML settings" icon="arrow-right" href="/dashboard/en/project-management/policy-and-authentication/aml">
      View detailed settings
    </Card>
  </Step>

  <Step title="Personal data handling settings">
    **Project Management > Policy and Authentication > Authentication Data**

    | Setting                       | Recommended value | Rationale                                                            |
    | ----------------------------- | ----------------- | -------------------------------------------------------------------- |
    | National ID number collection | Allow collection  | Financial companies may need full national ID numbers per tax law    |
    | Masking removal               | ON if needed      | Configure to receive encrypted original data in backend transmission |

    <Note>
      Unlike general businesses, financial companies may need to collect full national ID numbers according to credit information and tax laws in certain jurisdictions.
    </Note>
  </Step>
</Steps>

***

## Recommended settings summary

```
📋 Fintech required checklist

✅ Use ID Document (Liveform) method
✅ Streaming capture only (block gallery uploads)
✅ Selfie liveness - Active mode
✅ Government data verification (South Korea, Mexico supported)
✅ AML Watch list filtering + Ongoing Monitoring
✅ Proxy & VPN detection
```

***

## Webhook integration

**Required webhook events**

| Event                 | Action                                                 |
| --------------------- | ------------------------------------------------------ |
| `submission.approved` | Approve account opening                                |
| `submission.rejected` | Reject account opening                                 |
| `aml.match`           | Immediately freeze transaction + alert compliance team |
| `aml.monitor.changed` | Review account when ongoing changes detected           |

<Tip>
  Build a workflow that immediately freezes transactions when an `aml.match` event occurs. Real-time response is key to regulatory compliance.
</Tip>

<Card title="Webhook setup guide" icon="webhook" href="/en/idcheck/webhooks/overview">
  View detailed webhook event settings
</Card>

***

## Related documentation

<CardGroup cols={2}>
  <Card title="KYC process" icon="users-gear" href="/dashboard/en/project-management/policy-and-authentication/kyc-process">
    ARGOS score, age restrictions, country blacklist, and basic settings
  </Card>

  <Card title="Anti-fraud and forgery prevention" icon="shield-halved" href="/dashboard/en/project-management/policy-and-authentication/anti-fraud-and-forgery-prevention">
    Liveness, selfie, Proxy/VPN detection, and security settings
  </Card>

  <Card title="Anti-Money Laundering (AML)" icon="flag" href="/dashboard/en/project-management/policy-and-authentication/aml">
    AML screening and Ongoing Monitoring settings
  </Card>

  <Card title="Authentication data" icon="database" href="/dashboard/en/project-management/policy-and-authentication/authentication-data">
    DI generation, deduplication, submission limits, and data management settings
  </Card>
</CardGroup>