Accelerating KYC for a Leading Payment and Compliance Infrastructure Provider
The client
Dock Financial builds payment and compliance infrastructure for banks, financial institutions and established fintechs, and for companies in insurance, mobility and travel too.
Its clients manage payment and compliance processes modularly — optimising internal workflows, or building offerings of their own on top. Services arrive through APIs or plug-and-play solutions, and where a use case needs it, the company’s own European licence lets it provide the regulatory side as well.
The challengeWhat the teams actually needed
Dock Financial needed a Know Your Customer tool, and an architecture for it, inside their payment and compliance infrastructure.
Challenge 01Verify once, reuse everywhere
The tool had to handle user verification and integrate with KYC providers, so a customer verified once can carry that profile to subsequent partners.
Challenge 02Room for a human decision
Manual approvals had to be possible on demand, rather than the flow assuming every case resolves itself.
Challenge 03Confidentiality as the constraint
Data confidentiality and the client’s wider information security shaped what the architecture could look like.
What we did
An MVP first, then the compliance infrastructure around it
The engagement split into two phases: a KYC MVP, then support extending the wider compliance infrastructure — with DevOps, frontend and design help available throughout on demand.
An API with the basics working
The first version of the API shipped with core functionality, integrated with external services for verifying natural persons and for customer communications.
One repository, four services
A mono repository holds four microservices and five different authentication methods, with project documentation and diagrams alongside.
Companies as well as people
Phase two added company verification while maintaining and extending verification for natural and legal persons, with integrations into data service providers for business checks.
Rebuilt for what came next
The initial KYC solution was refactored — new repositories, a divided database, updated endpoints and documentation — and risk assessment functionality implemented.
Client testimonial
Netguru has been instrumental in our efforts to launch our KYC solution. They’ve supported us exactly when we needed it, and how we needed it. They’re super easy to work with and instantly felt like part of our team.
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What’s next