Open accounts remotely and keep KYC files up to date
Banks and financial institutions use RDCPASS to check customers against the national register. A customer can open an account from their phone, existing files can be refreshed in batches, and each check is recorded so the compliance team can show regulators how a customer was verified.
- Remote onboarding with a face match
- Batch KYC refresh for the whole portfolio
- Sanctions, PEP and beneficial-owner checks
Example journey
Opening a current account from a mobile app
RDCPASSCustomerKabeya M. Tshisekedi
COD-2103-0214-4937
Enters their RDCPASS ID in your banking app and takes a selfie
The challenges
Opening an account in a branch takes too long
Customers queue while staff fill in forms, photocopy documents and check them by hand. Branch teams spend much of the day on it.
KYC files fall out of date
Periodic reviews across thousands of customers are hard to organise. Proving afterwards that they were done is harder still.
AML/CTF expectations keep rising
Regulators want documented checks that can be repeated, on individual customers as well as on companies and the people who ultimately own them.
How RDCPASS helps
Remote account opening
The customer is checked against their certified identity, then takes a selfie from their own phone to show they are the account holder.
Periodic KYC refresh
Send your customer base in batches of up to 10,000 records. Results are returned to your system automatically.
Sanctions and PEP screening
Customers are screened when they join and monitored afterwards, so your compliance officers hear about a change of status.
Corporate onboarding
Verify a company by RCCM, ID NAT or NIF. Before the account is opened you also know who its officers and beneficial owners are.
Connects to the channels you already run
Your app, website, branches and back office call RDCPASS through a single integration. The services you choose send back verified answers your staff can act on.
Your channels
- Mobile app
- Website
- Branches & agents
- Back office
Your outcomes
- Remote onboarding with a face match
- Batch KYC refresh for the whole portfolio
- Sanctions, PEP and beneficial-owner checks
Recommended products
Regulation & compliance
- Supports the customer due diligence expected by the Banque Centrale du Congo (BCC).
- Each check is logged with its stated purpose, which gives auditors a full trail.
- An application only receives the data scopes it has been approved for.
- Suspicious activity can be passed to the national fraud desk through Fraud Reporting.
From first test to production
Every organization goes through the same three steps.
- 1
Build in the sandbox
Free and available immediately, with synthetic identities, businesses and faces.
- 2
Pass due diligence
We review your business (governance) and your application (security, scopes, testing).
- 3
Go live
Set up production keys and an mTLS certificate, and choose the billing model that suits you.
Frequently asked questions
Can we verify customers who never visit a branch?+
Yes. KYC Validation confirms the certified identity and Face Recognition confirms that the person on camera is its holder. The whole check can run inside your app.
How do we refresh KYC for our existing customers?+
Send the customer list in batches of up to 10,000 records. Results come back to your system when they are ready, and batch records are billed at the lower batch rate.
Does RDCPASS cover business customers?+
Yes. KYB Verification checks companies by RCCM, ID NAT or NIF and returns their officers and beneficial owners. You can then screen those people with AML & CTF Screening.
Which billing model suits a bank?+
Most banks take the Enterprise plan. It comes with a single monthly invoice in USD or CDF, negotiated volume pricing and a dedicated account manager.
Related solutions
Fintech & mobile money
Open wallets on a verified identity, lend on consent-based scores and report fraud when you find it.
Learn moreInsurance
Verify policyholders and beneficiaries, and catch identity fraud in claims.
Learn moreReal estate
Verify buyers, tenants and landlords, and screen high-value deals.
Learn moreStart in the sandbox or talk to our team
The sandbox is free and open now. If you would rather discuss your sector, expected volumes and billing model first, our team can take you through it.