Why architecture matters here
KYC failures result in fines, blocks, and reputation loss. Architecture matters because ongoing refresh + monitoring + jurisdictional rules keep compliance alive.
The architecture: every piece explained
The top strip is initial verification. Buyer identity presented. Verification providers validate. Risk score from AML/fraud models. Jurisdiction rules vary per country.
The middle row is ongoing. Ongoing refresh reverifies. Sanctions list checked continuously. Transaction monitoring flags unusual. Escalation for manual review.
The lower rows are governance. Audit trail. Data protection. Ops reports to regulators.
End-to-end flow
End-to-end: new buyer's identity verified by third-party. Risk score low. Sanctions clear. Onboarded. Six months later, refresh triggers revalidation. Unusual transaction pattern flags investigation. Compliance review clears. Audit records all steps for regulator.