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Finance and fintech

Finance sector eligibility verification

Finance teams need eligibility at payment, programme, and partner boundaries. AffixIO returns signed allow or deny that complements regulated KYC without re-copying documents into every downstream system.

Contact UsAgentic paymentsvs KYC
PAYMENTSPROGRAMMEPARTNERML-DSA-65MERKLE

At a glance

Product
Signed finance eligibility outcomes
Scope
Banks, fintech, payment orchestrators
KYC stance
Complements issuers; does not replace regulated KYC
Audit
Merkle-anchored decisions

Finance eligibility verification proves a customer, agent, or partner may proceed under policy, without standing up another full identity database at each gate.

The challenge

Downstream KYC copies

Every new vendor wants another identity feed. Breach surface and GDPR scope expand with each copy.

Vendor KYC sprawl

Multiple processors store overlapping PII.

Agent spend gaps

Agents initiate payments without cryptographic permission trails.

Dispute evidence

Logs alone are weak under chargeback and AML review.

Use cases

Finance scenarios

Use where outcome verification matters more than re-running full KYC.

Agent payment permission

Signed spend authorisation.

agent

Programme eligibility

Offer and benefit gates.

programme

Partner onboarding gates

Eligibility before data exchange.

partner

Proof pipeline

How verification works

  1. 01

    Issue

    Policy authority defines a Noir circuit for the rule set. Witness inputs come from systems that already own the records.

  2. 02

    Bind

    Proof is bound to event context: programme ID, expiry, geography, and anti-replay nonce. ML-DSA-65 signature applied at issue.

  3. 03

    Present

    User, agent, or device presents the credential via API call or secure QR at the service boundary.

  4. 04

    Verify

    Verifier receives allow or deny plus Merkle reference. No personal data retained at the verifier by default.

Stack

Technical foundation

ML-DSA-65Post-quantum signatures
NoirZero-knowledge circuits
MerkleAudit anchoring
RESTOpenAPI 1.4.2
SDK@affix-io/sdk
QROffline spent-proof

Proof generation can run on infrastructure you control. See technical architecture and circuit catalogue.

FAQ

Frequently asked questions

Does AffixIO replace KYC vendors?

No. Issuers perform regulated checks. AffixIO verifies downstream eligibility outcomes.

See agentic payments?

Yes. /sectors/agentic-payments.

Get started

Validate finance sector eligibility verification on the live sandbox, then scope a pilot with engineering.

Contact Us Open sandbox Start evaluation

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