Onboard Customers in Minutes, Not Days
A complete digital customer onboarding platform that unifies KYC, KYB, AML screening, risk scoring, and compliant e-signing into one seamless workflow — purpose-built for banks, fintechs, fund managers, and regulated enterprises.
Turn a 10-Day Onboarding Process Into a 10-Minute One
Customer onboarding is the first — and most scrutinised — touchpoint your business has with every new client. In regulated industries, it is also the moment where compliance, risk management, customer experience, and operational efficiency all collide. Traditional onboarding is manual, fragmented, and slow: documents arrive by email, data gets re-keyed into three different systems, compliance checks run sequentially, and customers wait days for an approval decision that should take minutes.
One Constellation's digital customer onboarding platform rebuilds that process from the ground up. Every step — from identity capture and document verification, to KYC and KYB screening, AML checks, risk scoring, digital signing, and final account activation — runs inside a single configurable workflow. The customer experiences a branded, mobile-first journey. Your compliance team sees a live pipeline, clear audit trail, and exception-only manual review queue. Your regulators see evidence that every decision was logged, justified, and consistent with your policy.
Whether you onboard retail banking customers one at a time or process thousands of fund investors during a subscription window, our onboarding suite scales with your volume, adapts to your risk appetite, and integrates directly into your core systems through a REST API, webhooks, and SDKs.
Everything You Need in One Onboarding Stack
One Constellation unifies the tools that regulated firms typically stitch together from four or five different vendors — identity verification, AML screening, digital signing, case management, and reporting — inside a single, fully auditable platform.
Identity & Document Verification
Automated verification of passports, national IDs, driver's licences, and residence permits from 190+ countries, with biometric face match and active liveness.
Corporate & UBO Checks
Interactive organisational chart builder and automated UBO identification for corporate clients, including multi-layer and cross-jurisdictional structures.
Sanctions & PEP Screening
Real-time screening against global sanctions lists, PEP databases, and adverse media sources, with intelligent false-positive management.
Risk Scoring & CDD
Configurable risk matrix applying Simplified, Standard, and Enhanced Due Diligence based on customer type, jurisdiction, and product.
Digital Signing
Tamper-evident digital signing using verified digital certificates. Signed documents stored alongside customer records for full auditability.
Case Management & Audit Trail
Every action logged with user, timestamp, and justification. Regulator-ready reporting generated on demand.
From First Click to Active Customer — in One Flow
Every onboarding journey is different, but the pattern is the same: capture, verify, screen, assess, approve. Here's how our platform orchestrates it end-to-end.
Customer Initiation
The customer begins onboarding through your branded portal or mobile SDK. The platform adapts the flow dynamically based on customer type — individual, corporate, or fund investor — and jurisdiction.
Identity & Document Capture
ID document uploaded and authenticated in real time. Selfie captured with active liveness. For corporates, registration documents and ownership structure collected through the interactive org-chart tool.
Screening & Due Diligence
Instant checks against sanctions, PEP, and adverse media databases. Risk-based logic automatically triggers Enhanced Due Diligence where required by policy.
Risk Assessment & Decision
Customer assigned a risk tier based on your configured matrix. Straight-through approval for low-risk cases; structured review workflow for higher-risk or exception cases.
Digital Signing & Activation
Agreement documents signed digitally with verified certificates. Customer record handed off to your core system via API, webhook, or integration connector.
Ongoing Monitoring
Customer file kept live through automated periodic refresh, sanctions re-screening, and transaction monitoring — ensuring compliance is continuous, not point-in-time.
The Onboarding Problems You Know Too Well
Slow, costly, and fragmented onboarding processes cost regulated businesses far more than they realise — in lost customers, in compliance exposure, and in the operational drag of manual case handling.
Our platform is built to retire each of those failure modes. Straight-through onboarding for clean cases. Structured workflows for exception cases. One system of record for every customer, every decision, every document.
What Our Platform Replaces
- Email-based KYC document collection
- Re-keying customer data across 3+ systems
- Spreadsheet-based risk scoring
- Separate tools for sanctions / PEP / adverse media
- Manual UBO chain reconstruction for corporates
- Wet-ink contracts and courier delivery
- Fragmented audit evidence across shared drives
- Week-long wait times for account activation
The Business Case for Automated Onboarding
Automating customer onboarding is not just a compliance upgrade — it is one of the highest-ROI investments a regulated business can make. Faster onboarding directly drives revenue; better compliance directly reduces regulatory risk.
Cut Onboarding Time by 80%
Eliminate the queue of half-completed customer files by automating document intake, screening, and risk scoring.
Reduce Cost per Onboarding by 70%
Shift low-risk cases to straight-through processing and focus analyst time on genuine exception cases.
Recover Lost Customers
Mobile-first, minutes-long flows end the abandonment that multi-day paper processes create.
Consistent Risk Policy Enforcement
Your risk matrix runs as code, not as a memo. Every customer treated identically, every exception documented.
Regulator-Ready by Default
Immutable audit log of every check, every decision, every approver — surfaced instantly for supervisory visits.
Integrates With What You Already Have
REST API, webhooks, iOS / Android SDKs, and pre-built connectors for core banking, CRM, and fund admin platforms.
Built and Battle-Tested in Production
Our onboarding platform is deployed across financial institutions, banks, auditors, and legal firms globally. The numbers speak for themselves.
Onboarding That Meets Every Global Standard
Our onboarding workflows are pre-configured for the major regulatory frameworks, and built to adapt as standards evolve. All processes follow FATF risk-based Customer Due Diligence principles.
Common Questions About Our Platform
See the Platform Onboard a Customer Live
Book a 30-minute demo and watch a full individual or corporate onboarding journey — from first document to activated account — in real time.