Top KYC Software & Tools to Consider in 2026

With the global KYC software market projected to grow substantially, choosing the right tool is more critical than ever for safeguarding trust and scaling operations.

This guide breaks down what KYC software is, the features that matter most today, and how leading tools compare.

What Is KYC Software?

KYC software helps organizations verify the identities of their customers to comply with global regulations, reduce financial crime and create safer onboarding experiences. As a key part of Customer Due Diligence (CDD), KYC tools automate the collection and validation of personal information, such as name, date of birth, and government-issued documents, ensuring individuals are who they claim to be.

Modern KYC solutions go further, adding real-time signals to spot intent and risk earlier in the process. By combining identity checks with fraud detection, device intelligence, and behavioral signals, today’s KYC tools help teams adapt to fast-changing threats while staying compliant across jurisdictions.

Top Features of KYC Software

Today’s leading KYC software goes beyond box-ticking. It helps businesses streamline onboarding, reduce false positives and block fraud before it escalates, all while keeping compliance teams audit-ready. Here are the key capabilities to look for:

• Digital footprint analysis: Evaluate email, phone and IP data to identify trustworthy or suspicious users based on online history and behavior.
• Device intelligence: Spot linked accounts, emulators, spoofed environments and suspicious setups using device fingerprinting.
• Early fraud detection before ID upload: Identify high-risk users using device, digital footprint and behavioral signals before identity documents are submitted, stopping obvious abuse early and reducing unnecessary KYC friction and cost.
• Document, liveness and proof-of-address verification: Match government-issued documents to facial biometrics and verify users are physically present.
• Deepfake and synthetic identity detection: Identify AI-generated faces, replayed videos and real documents used by the wrong person using liveness and fraud signal correlation.
• Cross-session identity linking: Detect the same person using multiple identities, or the same identity used by different people, by correlating device, biometric and behavioral signals over time.
• Behavioral signals: Monitor how users interact to flag automated tools, bots, or behavior inconsistent with legitimate usage.
• Risk-based orchestration: Create adaptive workflows that adjust verification steps based on real-time risk signals and compliance triggers, allowing stricter controls only where needed, so legitimate users can move through faster.
• AML screening integration: Feed verified identity data directly into sanctions, PEP and watchlist screening for cleaner results and fewer false positives.

List of KYC Software & Tools

1. SEON

SEON reimagines KYC verification by combining traditional identity checks with real‑time fraud signal intelligence, offering a contextual, risk‑aware approach that helps companies detect threats before costly KYC processes even begin.

Rather than relying solely on document uploads or biometric comparisons, SEON analyzes rich risk signals from the very first interaction. This includes digital footprints (email, phone, IP), device intelligence (emulator/VPN detection), behavioral signals, etc. Layering these insights with verified identity data gives teams a clearer, early view of intent and risk to increase conversion for good users.

SEON’s identity verification suite is designed to work in harmony with fraud and compliance functions, bridging the gap between risk detection and regulatory assurance:

• Risk filtering before KYC: Screen and flag suspicious users early based on digital footprint, device signals and behavior before requesting documents.
• Identity verification: Validate government IDs, liveness and proof of address where required, with risk context built into every step.
• Real‑time risk scoring: Assess trustworthiness dynamically using 900+ real-time signals without slowing down good users.
• AML and watchlist screening: Feed verified identity inputs into sanction, PEP and adverse media screening for cleaner, more accurate results.
• Conditional, risk‑based workflows: Orchestrate verification flows that adapt to risk, behavior, region or transaction type to increase conversion using a single, no‑code engine.
• AI-powered automation: Reduce manual reviews with machine learning–driven scoring and customizable rules.
• Unified command center: Manage fraud, identity verification and AML alerts from one platform with shared rules, thresholds and audit trails.

Because SEON blends identity verification with contextual risk signals and AML screening — all in one platform — teams reduce manual reviews, cut compliance costs, stop bad actors earlier and speed onboarding for legitimate users without adding unnecessary friction.

Read SEON reviews on G2

2. Sumsub

Sumsub is an all-in-one identity verification platform that helps businesses streamline onboarding, prevent fraud, and stay compliant across global markets. With support for over 40 interface languages and the ability to verify users in under 50 seconds, it’s built for speed and accessibility. Sumsub offers a wide range of checks—including ID verification, liveness detection, proof of address, and AML screening—all customizable to fit different risk levels, jurisdictions, and regulatory needs.

The platform is used across industries such as fintech, crypto, iGaming, and transportation, and adheres to global and local compliance standards like FATF, FCA, and BaFin. Its no-code automation tools make it easy to create and manage verification flows for the entire customer lifecycle—from onboarding to high-risk transactions. With high pass rates and robust fraud protection, Sumsub enables companies to scale confidently while ensuring security and compliance remain intact.

3. iDenfy

iDenfy is a global platform for identity verification, fraud prevention, and compliance, offering complete solutions for KYC, KYB, and AML needs. It supports onboarding in over 200 countries and territories, using a mix of AI-driven tools and 24/7 human review to deliver fast, accurate results. iDenfy handles verification for more than 3,500 types of government-issued IDs, includes 3D liveness detection, and provides real-time checks against sanctions and PEP lists. Built to serve industries like fintech, crypto, and gaming, it helps businesses stay compliant, prevent fraud, and reduce onboarding costs.

What makes iDenfy stand out is its hybrid approach—automated ID checks combined with expert oversight—making it both scalable and reliable. Companies only pay for approved verifications, avoiding charges for failed or fraudulent attempts. The platform also supports customizable KYB workflows and ongoing AML screening, with integration available via API. Whether verifying individuals or businesses, iDenfy offers a flexible and secure way to meet compliance goals across global markets.

4. Onfido

Onfido’s Real Identity Platform combines artificial intelligence, biometrics, and document verification to support over 2,500 types of ID documents from 195 countries. It’s designed to help businesses onboard users efficiently, meet global KYC and AML requirements, and reduce fraud risk—all without adding unnecessary complexity.

With liveness detection, facial biometrics, and automated decisions powered by its Atlas AI, Onfido delivers both speed and accuracy. Manual review is available for edge cases, maintaining high verification quality. The platform also includes AML tools like PEP screening and transaction monitoring, making it suitable for industries with strict compliance needs. Onfido integrates easily via API or the Smart Capture SDK, and workflows can be customized using its no-code tool, Onfido Studio. It’s a flexible solution trusted by global organizations to scale onboarding and prevent identity fraud.

5. Alessa

Alessa offers identity verification and KYC tools within a broader AML compliance platform built to scale with business growth. It combines real-time identity checks, risk intelligence, and due diligence in one system, helping organizations onboard customers efficiently while staying compliant. Alessa integrates with data providers like Refinitiv World-Check, Dow Jones, and Thomson Reuters, enabling teams to verify identities, screen against sanctions and PEP lists, and access detailed background information.

What sets Alessa apart is its focus on ongoing monitoring and seamless integration across the entire compliance workflow. Identity verification results can be fed directly into transaction monitoring, risk scoring, and regulatory reporting, giving compliance teams a complete view of client risk. The platform automates routine checks while allowing for customization based on industry or risk profile, making it suitable for businesses operating in complex regulatory environments. With daily risk updates and a 360° client view, Alessa helps streamline decision-making and investigative work.

6. Actico

Actico, which offers full digital transformation and decision automation products for some of the world’s leading financial institutions, also offers a complete compliance suite. It is designed specifically for AML, KYC, sanction list and PEP screening, and transaction screening. It also provides trade surveillance and even plays nicely with the renowned Avaloq Core banking system.

Companies currently relying on Actico include Santander, Volkswagen Financial Services, and ING, among others, and there is a definite focus on traditional banking rather than, say, neobanks or challenger banks. 

7. LexisNexis

LexisNexis Risk Solutions provides KYC and due diligence tools that help businesses verify identities, assess risk, and comply with global regulations. The platform gives access to over 7 million profiles, updated daily, and screens across 60+ risk categories, including sanctions, PEPs, and adverse media. Designed to reduce false positives and speed up onboarding, it helps teams focus on real threats while maintaining compliance with AML, CFT, and beneficial ownership rules.

Organizations can automate both initial and ongoing due diligence, monitor customer activity in real time, and use biometric verification and document analysis to prevent fraud. With coverage in over 30 countries and a wide network of global data sources, LexisNexis enables efficient, scalable onboarding across markets. Its tools are adaptable to complex regulatory needs and built to support secure, long-term customer relationships.

8. Ondato

Ondato is a Lithuania-based compliance platform offering end-to-end KYC, KYB, and AML tools to support identity verification and customer onboarding. Its SaaS solution includes biometric facial recognition, video ID checks, age verification, and AML screening, all designed to simplify compliance without adding friction.

Trusted by companies like Swedbank and General Financing, Ondato supports verification in 192 countries and helps reduce onboarding costs with automation and customizable workflows. The platform also features a centralized customer data hub, transaction monitoring, and due diligence tools for managing risk across the user lifecycle. With fast integration, high accuracy, and a focus on user experience, Ondato is well-suited for industries like finance, crypto, telecom, and the sharing economy. Its flexibility and responsiveness to regulatory changes make it a practical choice for businesses looking to streamline compliance while maintaining security and trust.

9. Jumio

Jumio is a digital identity verification and identity assurance platform that offers KYC identity verification through a combination of document checks, biometric authentication, liveness detection, and database validation. It enables organizations to verify users in real time while minimizing friction during onboarding. With support for thousands of ID types across more than 200 countries and territories, the solution is designed for global coverage and regulatory alignment.

Beyond initial verification, Jumio incorporates ongoing risk assessment through behavioral signals and identity reputation analysis. Its platform includes an analytics dashboard that centralizes monitoring, transaction review, and rule management, helping businesses make informed compliance decisions.

10. Shufti Pro

Shufti offers AI-powered KYC software designed to streamline identity verification, enhance fraud prevention, and support global compliance. Its solutions include eKYC, KYB, KYI, and biometric authentication, with coverage across 240+ countries and support for 150+ languages.

Shufti’s flexible tools help businesses onboard users, verify transactions, and meet AML/CFT regulations with real-time accuracy. Known for its adaptability, wide geographic reach, and user experience, Shufti supports industries like fintech, crypto, gaming, and e-commerce in building secure, scalable onboarding and compliance workflows.

How to Choose the Right KYC Software

Choosing the right KYC software goes beyond ticking a compliance checkbox: it’s about creating a safer, smarter onboarding process that detects fraud early while approving legitimate customers with minimal friction.

Modern solutions combine automation, AI and fraud signal context  to support real‑time decision‑making without adding unnecessary friction. When evaluating KYC software, consider these key factors:

• Fraud signals beyond just document checks: Assess risk using contextual signals such as digital footprint, device intelligence, geolocation, IP data and behavioral patterns to identify high-risk users before and during verification.
• Risk-based workflows optimized for conversion: Apply stricter checks only where risk or regulation requires it, allowing low-risk users to move through onboarding faster without weakening compliance.
  Effective document verification: Choose tools that validate whether IDs are genuine, up‑to‑date and legitimately linked to the person presenting them.
• Liveness and deepfake detection: Confirm a real, present human is completing verification while detecting spoofing attempts and AI-generated faces designed to bypass traditional checks.
• Integrated AML screening: Built‑in sanctions, PEP and watchlist checks ensure compliance across jurisdictions and reduce noise in manual reviews.
• Unified risk view and audit trail: Centralize fraud, IDV and AML decisions in one system with shared rules, thresholds and audit logs to support faster investigations and defensible regulatory reporting.

As regulatory expectations rise and fraud techniques evolve, the strongest KYC software helps businesses stay compliant, reduce operational overhead, improve security and increase onboarding conversion, all while maintaining a clear, consistent view of customer risk.

Frequently Asked Questions