Solutions
The KYB platform for fintechs and payment companies
Correspondent banks, card networks, payment processors, and EMI regulators each ask for the same corporate facts in different formats. Archway builds your canonical company profile once and turns it into every counterparty-specific packet.
The problem
Every bank wants the same KYB, differently
Sponsor-bank duplication
Each sponsor bank has its own questionnaire, templates, and evidence formatting. Your compliance team repackages the same incorporation docs, UBO disclosures, and policy summaries for every new banking partner.
Card-network onboarding overhead
Visa, Mastercard, Amex, and Discover intake forms live in different portals with different field names. Answering them once does not help when the next network comes along.
Regulator packet assembly
EMI and payment-institution licensing bodies want the same UBO graph and compliance program that banks want, but formatted per regulator. Assembling filings from scratch wastes weeks.
Annual refresh drag
Every correspondent bank re-requests KYB at least annually. With 10 to 30 banking relationships, that is a continuous refresh cycle with no central calendar or source of truth.
How Archway helps
One canonical profile, every counterparty packet
Canonical UBO and ownership graph
Structure your group's ownership once — equity, voting, and control relationships — with every UBO mapped to the entities they appear in. Every submission pulls from the same source.
Regulator-aware field mapping
Each counterparty's intake fields are mapped to your canonical profile. Answering a new sponsor bank's questionnaire becomes pattern-fill, not rewrite.
Multi-counterparty orchestration
Track every correspondent bank, card network, PSP, and licensing body from one dashboard. Know what has been shared, what is pending, and what is overdue.
Refresh calendar sized to fintech cadence
Annual bank refreshes, quarterly PSP reviews, and event-driven UBO changes are tracked per counterparty. When your ownership changes, the platform surfaces every relationship affected.
Jurisdiction coverage
The regulators and networks Archway speaks to
| Counterparty type | Required disclosures | How Archway handles |
|---|---|---|
| US sponsor banks | Entity registration, UBO, OFAC, BSA/AML program | Sponsor-bank counterparty profiles with canonical field mapping |
| EU EMI licensing | Entity structure, officer disclosures, prudential plan | Pre-built EMI intake template keyed to your canonical record |
| UK EMI / PI (FCA) | Form AP1, program of operations, UBO | FCA form packet generation with evidence auto-attachment |
| MAS PS Act (Singapore) | Corporate structure, director/officer fit and proper, AML/CFT | MAS PS Act intake template with Singapore jurisdictional defaults |
| Card network onboarding | Entity data, UBO, compliance program, financials | Per-network counterparty profile mapped to Visa/Mastercard intake |
Built for
Fintechs and payment companies managing multi-bank relationships
Payment fintechs
Companies moving money across borders with multiple correspondent banking partners.
Neobanks
Consumer and SMB neobanks onboarding with sponsor banks and BaaS providers.
PSPs
Payment service providers needing card-network, processor, and acquiring-bank onboarding.
BaaS platforms
Banking-as-a-service operators with compliance obligations that cascade to their program partners.
Marketplaces with embedded finance
Marketplaces operating payments, payouts, or lending that require counterparty-level KYB.
Cross-border payments
Companies with correspondent relationships in multiple jurisdictions and the refresh overhead that comes with it.
FAQ
Fintech KYB questions
Certificates of incorporation, good standing certificates, operating agreements or bylaws, UBO declarations with supporting ID, tax identification documents (EIN letter, W-9, or jurisdiction equivalents), audited financials, AML/BSA policies, and signed banking questionnaires. Requirements vary by bank and by the fintech's business model. Archway builds a canonical profile once and maps it to each bank's specific intake format.
Archway captures the entity data, ownership graph, officer disclosures, and compliance program documentation that regulatory filings reuse. When a fintech files with the FCA for an EMI license or with the MAS under the PS Act, the same canonical record generates the filing packet. Every submission is snapshot, and any field changes trigger refresh alerts for downstream counterparties relying on the same facts.
Card network onboarding follows a similar KYB pattern to sponsor-bank onboarding: entity registration, UBO disclosure, compliance program details, and operational questionnaires. Archway treats each card network as a counterparty in the registry with its own field schema. Forms are filled from the same canonical profile used for bank onboarding, avoiding duplicate data entry.
Archway's refresh calendar tracks every counterparty relationship and the field dependencies between them. If a UBO changes, the platform surfaces every bank, PSP, and card network that relied on the prior disclosure and generates an updated packet. Time-based annual refreshes are tracked per counterparty. Missed refresh windows trigger escalating alerts.
Yes. Archway supports multi-entity groups operating across Delaware, Cayman, BVI, Singapore, UK, and EU jurisdictions. Each legal entity has its own canonical record with jurisdiction-aware field schemas. A single UBO passport can link to multiple entity records without duplication. Submissions are scoped by entity and counterparty, preserving a full disclosure ledger.
Ready to simplify your bank onboarding?
Stop repackaging the same corporate data for every bank. Build your canonical profile once and submit everywhere.