WHAT DOES BIKY’S TRUST DO?

It turns verification, evidence, and compliance into an operational layer that protects your funnel, accelerates decisions, and reduces fraud without friction.
Everything runs in WhatsApp, where your customers already are.

KNOW YOUR CUSTOMER

KYC

Verify identity directly from WhatsApp with guided document and data capture, eliminating long forms and duplicate data entry.

RISK, PEP & SANCTIONS LISTS

Risk Lists

Automatically screens against relevant lists and returns an actionable result without ever leaving the chat.

DOCUMENT INTEGRITY

Document Integrity

Detects alterations in PDFs and inconsistencies before contract, signing, and disbursement blocking tampering and reducing fraud from the start.

KNOW YOUR CUSTOMER’S BUSINESS

KBC

Register companies and legal representatives directly from WhatsApp with document uploads and cross-check validations, no external portals required.

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BACKGROUND & RISK SIGNALS

Risk Signals

Make more consistent decisions using background checks and digital signals detecting inconsistencies between what’s declared and what’s validated.

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AUDITABLE CASE FILE

Audit File

Builds evidence with timestamps, statuses, and traceability by case, channel, and purpose keeping everything audit-ready with no manual work.

BIOMETRICS & LIVENESS CHECK

Biometrics

Request a video selfie and liveness check directly within the conversational flow, confirming identity before approval and disbursement.

DATA EXTRACTION & VALIDATION

Document Extraction

Extracts and validates key fields from documents to reduce human error and accelerate origination.

CONNECTED OPERATIONS

Operational Sync

Connects results to the CDP and CRM to trigger rules, move stages, assign tasks, and escalate to compliance when needed.

The Problem

When verification isn’t integrated into operations, onboarding becomes slow, risky, and expensive.

Most financial institutions want to operate like fintechs, yet still rely on manual processes, disconnected tools, and validations that aren’t tied to the conversation or the funnel. Customers drop off, fraud slips through, and compliance is left without clear evidence.

Consequences of operating without TRUST:

  • High friction: Long, repetitive requests that reduce conversion
  • Operational fraud: Impersonation, altered documents, and signals no one detects in time
  • Slow approvals: Days of manual review that cool intent and increase CAC
  • Regulatory risk: Compliance without a solid case file, making audits difficult or incomplete
  • Blind funnel: Decisions made without traceability or connection to real outcomes

The BIKY Thesis

Trust isn’t a checklist. It’s an operational layer that verifies, decides, and leaves evidence inside the funnel.

At BIKY, TRUST runs as part of the commercial operating system: it captures consent and data directly from the conversation, executes KYC/KYB validations, produces an actionable outcome, and turns it into execution within the CDP and CRM. What matters isn’t “having KYC,” but making verification become a decision and making that decision become operation, with evidence.

How we solve the problem:

  • Less friction: Simple capture and fast verification so customers move forward without fatigue.
  • Less fraud: Biometrics, document integrity, and cross-checked signals to block impersonation.
  • More speed: Automated validations that reduce approval times and abandonment.
  • Real compliance: An auditable case file with full traceability by case, channel, and purpose.
  • Controlled funnel: Results are recorded and executed in the CRM with rules, SLAs, and escalation.

HOW IT WORKS?

Three steps to move from “trust me” to verifiable trust with automated execution.


1.

COLLECT

Request documents, data, and consent through SmartChat, Outbound, or forms using simple flows customers complete in minutes.



2.

VERIFY

Run KYC/KYB validations with biometrics, data sources, and risk signals, generating an actionable result with audit-ready evidence.




3.

ACT

Update the CDP and CRM, move stages, trigger approvals or compliance escalation, and store the case file with end-to-end logs.


TRUST EN
ACCIÓN

Verifiable trust operated directly from WhatsApp where risk decisions turn into immediate execution

When you verify identity and risk without pulling the customer out of the chat, approvals speed up and fraud goes down:

  • Less abandonment: Everything happens in WhatsApp with continuity and context.
  • Less fraud: Selfie capture, liveness checks, and biometric matching.
  • Fewer errors: Data extraction, MRZ reading, and document validation.
  • Better decisions and audits: Risk lists, PEP checks, 69B, digital signals, and verifiable, traceable evidence for every verification.

USES CASES

  • Credit origination: KYC prior to approval and disbursement.
  • Merchant, partner, and vendor onboarding: KYB with legal, tax, and biometric validations of representatives.
  • Signing and contracting: Verification before e-signature, directly within the flow.
  • Fraud prevention: Detection of PDF tampering and cross-check validations for inconsistencies.
  • AML screening: Checks against national and international lists with auditable records.

Operational Control and Compliance Escalationontrol operativo y escalamiento a cumplimiento

  • Automate decisions: approve, reject, or request changes based on risk thresholds.
  • Escalate to an analyst only when alerts, inconsistencies, or altered documents are detected.
  • Maintain continuity with SLAs, tasks, and reminders so cases don’t stall.
  • Leave a traceable decision trail: what was validated, what failed, and why.

Privacy and Compliance Built into the Architecture

  • Consent by channel and purpose as an operational policy
  • End-to-end traceability with full history and auditability
  • Case-level files with status and evidence for compliance
  • Role-based access control for operations, compliance, and leadership

PREGUNTAS FRECUENTES

It’s the module that ensures trust through instant identity verification (KYC), enabling secure transactions across your sales operation in seconds.

Primarily for financial institutions that want to operate like fintechs and need to reduce fraud, accelerate approvals, and maintain compliance with auditable evidence.

Identity, biometrics, risk lists, and complementary signals to support consistent decision-making and protect portfolio quality.

KYC verifies individuals; KYB verifies businesses (documents, tax identity, consistency, and controls) to enable secure business onboarding with controlled risk.

The customer completes onboarding without leaving the chat. They receive the flow, upload photos of their ID and their face, and when required validate via OTP, video, or a request for the back of the document, all within WhatsApp. TRUST runs the verification (biometrics and identity validation), cross-checks risk signals, and generates technical evidence of the process (such as IP, location, and a certificate), then returns the status in the same thread so the operation can continue without friction.

The system flags the case, requests adjustments, or escalates it to human review with full context and supporting evidence without slowing down clean cases. Everything is stored in the CDP.

Through the CDP. Consent is managed as a technical protocol by channel and purpose, with full traceability and case-level evidence. It also supports revocation, data deletion, and activation controls to ensure compliance with GDPR and ARCO Law.

A case file per transaction with status, timestamps, and full traceability of what was validated including verifications performed and findings relevant for compliance.

Verification results are recorded and made operational. They sync with the CDP and CRM to advance stages, assign tasks, and trigger rules based on risk.

A first use case typically goes live quickly once access, policies, and flows are ready. Actual timelines depend on internal alignment across operations, risk, legal, and IT.

SECURE KYC & KBC WITH FAST APPROVALS

Activate TRUST to verify identity and risk in seconds, reduce fraud, and maintain compliance with auditable evidence without taking customers out of WhatsApp.

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