Open accounts instantly
Open fully verified SME accounts in record time with our AI-powered Digital Account Opening system. Automate everything from KYC to compliance - no paperwork, no delays.
Simple workflows. Quick results.
Auto-KYC Parsing
OCR + NLP reads and verifies ID docs, business licenses, and utility bills..
Smart Maker-Checker Flow
AI routes clean applications for instant approval; flags edge cases for human review.
AI Risk Engine
Detects fraud patterns, inconsistencies, and incomplete applications instantly.
Admin Dashboard
Central control panel for compliance teams to oversee, intervene, and monitor application pipelines.
Dynamic Status Updates
Founders get real-time onboarding updates, reducing anxiety and support requests.
Quick Applications. Quicker Approval. Fully Secure.
Reduce application approval times to under 2 days, onboard 3X more SMEs each month, with AI and Human assisted workflows.
From KYC to Dashboard in Hours
Onboard SME customers same day, with a frictionless, automated, and compliant process that does not need human intervention.
OCR & Document Verification
Instantly reads IDs, business registrations, and utility bills for accuracy and legitimacy.
Biometric & Selfie Matching
Uses computer vision to verify identities and screen for liveness, reducing impersonation risk.
KYC/AML Screening
Scans global watchlists, screens UBOs and business owners, and identify regulatory red flags.
Instant Onboarding Decision
Approvals delivered in real time based on multiple factors, allowing SMEs quick access to accounts.
Seamless KYB & KYC
Founders don’t want to deal with endless paperwork or multiple visits. XFIN DAO creates a smooth, mobile-first onboarding experience.
Less typing
Auto-fill company data from business license.
Selfie Verification
In-app ID capture with facial recognition.
Quick Turnaround Time
Instant feedback for missing/incomplete documents.
Guided Onboarding
Post account setup made simple and effective to make users feel welcome from the outset.
Account Personalization
Let users customize account settings, notification preferences, and security options to fit their needs.
Activate Finance Stack
Get users to issue virtual cards, link payment gateways, and activate sub-accounts with just a few taps.
Add Team Members
Let users easily invite and manage team members with role-based access to streamline collaboration.
Your work done for you
A full-stack onboarding operating system for your SME products.
Realtime Dashboard
See every application, its AI score, document checks, and risk flags.
Maker-Checker Rules
Build approval workflows by jurisdiction, risk tier, or customer segment.
AI recommendations
Suggested accept/reject/hold, with reasons and supporting highlights.
Compliance & Security built-in
Who We Power
Banks
Modernise account opening process without overhauling the core infrastructure.
Neobanks
Get to market quickly with enterprise-grade, secure and compliant digital account opening.
Fintechs
Onboard and verify SMEs instantly with AI-powered document checks and a seamless UX.
Stakeholder Benefits
AI-Powered Onboarding That Drives Real Business Results
SME Customers
Faster, friendlier, and frustration-free onboarding.
Admin
More oversight, fewer bottlenecks, better decisioning.
Banks & Fintechs
Scale onboarding, reduce costs, launch faster. See AI in action.
News & articles
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Lead with AI
The SME economy is rising and this is your time to build the future of SME finance.
Our team is here to guide you - from first conversation to full launch.