Step 1
Define the decision
Your service sends who is asking, what they need, which policy version applies, and channel context. The format is the same for live API calls and offline packets.
Verification platform for banks, issuers, and fintech
Stateless yes or no decisions with cryptographic proof for payments, onboarding, lending, and agentic channels. AffixIO does not replace your core bank or card processor. It answers verification questions at transaction time without building another customer data warehouse.
Short answer: AffixIO is verification infrastructure for financial services. Your channels send a policy-bound request; AffixIO evaluates against sources you control and returns a signed yes or no with proof. No standing PII store at AffixIO.
Stateless verification · Signed yes/no outcomes · No standing PII store
Verification for banks, issuers, and fintech
AffixIO is stateless verification infrastructure. Your programmes receive a clear yes or no with cryptographic proof at onboarding, authorisation, lending, and agent channels. AffixIO does not replace your core bank, card processor, or KYC vendor. It answers policy-bound questions at the point of need without building another customer data warehouse.
StatelessNo PII vault
API + SDKYour stack
OfflineBranch ready
Post-quantumPQ planning
Explore by capability
KYC and AML verification
Onboarding and monitoring without a duplicate customer vault.
Read guidePayment fraud prevention
Anti-replay, consent, and policy at authorisation time.
Read guideStrong customer authentication
Transaction-time verification after login.
Read guideOpen banking security
TPP and ASPSP access with signed permit or deny.
Read guideCard issuer authorization
Issuer policy for cards, wallets, and agents.
Read guideAI agent banking
Verification when software agents move money.
Read guideOffline banking payments
Branches and field sites with signed proof.
Read guideCredit and loan eligibility
Lending decisions with minimal data copying.
Read guideMortgage eligibility
Affordability gates with audit evidence.
Read guideDigital identity banking
Post-authentication eligibility across channels.
Read guideRegulatory audit evidence
Cryptographic proof for audit and schemes.
Read guideMerchant acquiring
Onboarding and checkout verification for acquirers.
Read guideReal-time payments
Instant payment corridors with sub-second checks.
Read guideThird party risk
Vendor and partner access permit signals.
Read guideZero trust banking
Continuous verification for critical actions.
Read guideDigital assets
Stablecoin and token product policy checks.
Read guideBanking API security
CISO guide to API-layer verification.
Read guidePCI and GDPR minimization
Scope reduction at the verification boundary.
Read guideNeobank and fintech platforms
API-first verification for embedded finance.
Read guideConsent receipts banking
Machine-readable consent for payments and agents.
Read guideInsurance underwriting
Bancassurance eligibility with proof.
Read guideEmployment income verification
Lending income checks without document warehouses.
Read guideCore banking integration
Connect verification to your core and payment hub.
Read guideFrom request to verified outcome
The same three-step model used across AffixIO applies here: describe the decision, evaluate against sources you control, return yes or no with proof.
Step 2
Evaluate against authority
Checks run against registries and rules you authorise. Sensitive fields stay in systems you already operate wherever the design allows.
Step 3
Return yes or no with proof
The response is explicit, signed where required, and suitable for audit or partner handoff. AffixIO does not retain the request after the decision.
Where AffixIO sits in your banking stack
A thin stateless layer between channels, agents, and your core systems. AffixIO answers verification questions at transaction time; it does not replace core banking, card processing, or your identity provider.
Your channelsMobile banking, internet banking, contact centre tools, merchant portals, partner APIs, and software agents acting on behalf of customers.
AffixIOStateless verification via API and SDK. Binary yes or no outcomes with cryptographic proof suitable for audit.
Your core systemsCore banking, card authorisation, CRM, risk engines, KYC vendors, and directories you already accredit.
Further reading: technical architecture, what AffixIO is, banking systems integration.
What AffixIO provides to banking teams
Binary eligibility
One verified decision for KYC gates, product eligibility, and lending policy. Documented on the eligibility API page and KYC use case.
Payment and card verification
Transaction-time checks for fraud, SCA, and issuer policy. See offline payments and AI hub for agent channels.
Identity without retention
Confirm facts after authentication without storing customer payloads at AffixIO. See identity product.
Audit-ready proof
Signed outcomes for internal audit, scheme disputes, and regulatory inquiry. See regulatory audit evidence.
Cryptography and data handling
Built for long-lived programmes that must plan beyond legacy signatures and minimise data held at the verification boundary.
Stateless by design
No long-term store of who asked or the attributes inside a request. Supports proportionate DPIA narratives.
Post-quantum ready
Verification artefacts can use quantum-resistant signing aligned with industry post-quantum direction, with optional enterprise key management where your policy requires it.
Zero-knowledge outcomes
Where policy allows, demonstrate that a rule evaluated to yes without exporting underlying registry content.
Patent pending: AffixIO verification pipeline protected under GB2510622.0 (pending).
Regulatory and assurance alignment
AffixIO is designed to support data-minimization narratives common in financial services assurance. Your legal and compliance teams remain responsible for licensing, scheme rules, and supervisory filings.
- UK GDPR and EU GDPR aligned data handling (stateless request model)
- PCI DSS scope reduction through not storing cardholder data at the verifier
- PSD2 strong customer authentication patterns (verification at transaction time)
- AML programme support via binary eligibility without duplicating customer files
- SOC 2 and ISO 27001 compatible deployment models (managed API or private cloud)
- Pseudonymised audit metadata for security operations and internal audit
See GDPR compliance, PCI and data minimization, and privacy policy.
Common questions
Does AffixIO store customer personal data?
No. AffixIO is stateless verification infrastructure. It evaluates a request against sources you authorise and returns a signed yes or no with proof. It does not maintain a standing database of customers or request payloads.
Is AffixIO a bank, payment scheme, or regulated financial institution?
No. AffixIO provides verification infrastructure via API and SDK. Licensing, scheme membership, and supervisory obligations remain with your organisation.
Can verification work offline for branches and field teams?
Yes. Signed proofs can be validated where connectivity is limited, with reconciliation when the device or site is back online. See offline banking payments and offline payment verification pages.
How does AffixIO relate to our existing KYC vendor?
AffixIO is a decision and proof layer. Your KYC and AML vendors, core banking, and directories remain systems of record. AffixIO returns binary outcomes at the point of need without copying full customer files into another datastore.
Can AffixIO replace our core banking system?
No. AffixIO is verification infrastructure. Core ledger, payments, and card processing remain in systems you operate.
Does AffixIO hold funds or issue cards?
No. AffixIO returns verification outcomes only.
Speak with our banking team
Share your channel mix, regulatory constraints, and first verification use case. We will respond with a practical integration outline.
AffixIO is an independent verification technology provider. References to regulations, schemes, and industry roles describe integration patterns; they do not imply certification, scheme membership, or endorsement by any bank or network. Production deployment is subject to your security, legal, and procurement review.