Perpetual KYC Software
Perpetual KYC that never lets a profile go stale
Zyphe replaces periodic KYC reviews with continuous, event-driven re-verification: customers are re-screened against updated lists every 24 hours and re-scored when their risk changes — so your records stay current without batch remediation projects, and without a central PII honeypot.
Trusted by those who trust no one.
Always-on customer due diligence
The frequency that each user is re-checked against compliance lists
Global sanctions, Politically Exposed Persons, and other monitoring lists
Local registries that Zyphe monitors continuously
Continuous KYC instead of periodic reviews
Keep every customer profile current with event-driven refresh and dynamic risk re-scoring — and retire the batch remediation project.
Continuous re-screening
Every customer is re-checked against updated sanctions, PEP and watchlists every 24 hours, so new risk is caught immediately.
Event-driven refresh
Trigger re-verification on material changes — new transactions, list hits or profile updates — instead of waiting for a periodic review.
Dynamic risk re-scoring
Re-score customer risk as their behavior and status change, so due-diligence effort follows real risk.
Adverse media monitoring
Monitor global news in real time so reputational risk is surfaced the moment it emerges.
Audit-ready trail
Every re-screen and decision is logged with a defensible, exportable audit trail for examiners.
Reusable credentials
Built on reusable, privacy-first identity, so refreshed verification carries across platforms without re-collecting PII.
How perpetual KYC works
Establish a baseline at onboarding, then keep it current automatically.
Verify and risk-score each customer at onboarding to set their initial profile and monitoring requirements.
Re-screen every profile against updated lists every 24 hours and watch for material changes in real time.
When risk changes, trigger re-verification and re-scoring automatically — no batch remediation project required.
Always current, never a honeypot
We're using blockchain-like technology to decentralize the storage of personal data, so continuous KYC never becomes a central store of customer PII.
Better compliance in 190+ Countries
Banking Secrecy Act
Enforces strict record-keeping and reporting requirements for financial institutions to prevent money laundering and financial crimes in the United States.
Anti-money Laundering Act
Establishes measures and responsibilities for financial intermediaries in Switzerland to prevent money laundering and terrorist financing.
Proceeds of Crime
Canadian regulation requiring financial institutions to detect, prevent, and report suspicious transactions related to criminal proceeds.
Terrorist Financing Act
Legislation enforcing measures in Canada to detect, prevent, and report financial activities linked to terrorist financing.
Anti-money Laundering
Australian regulation mandating financial entities implement robust compliance measures to detect, prevent, and report money laundering activities.
Counter-Terrorism Financing Act
Australian law ensuring financial institutions identify, monitor, and report activities related to financing of terrorism to maintain national and global security.
Integrate in as little as 15 minutes
curl -X POST https://verify.zyphe.com/v1/login_sessions \
-H 'Authorization: Bearer <API_KEY>' \
-H 'Content-Type: application/json' \
-d '{"auth_type": "email"}'
Frequent Questions
Perpetual KYC (pKYC) replaces periodic customer reviews with continuous, event-driven monitoring: customer information is re-verified and re-screened on an ongoing basis so records stay current and risk is caught as it changes, rather than at fixed review dates.
Periodic reviews refresh a customer on a fixed schedule (e.g. every 1–3 years), leaving long windows where risk goes unnoticed. Perpetual KYC re-screens continuously and refreshes on material events, eliminating those gaps and the costly batch remediation projects periodic reviews create.
Refreshes are triggered by the daily re-screen against updated lists and by material events — a sanctions or PEP hit, adverse media, new high-risk transactions, or changes to the customer's profile.
Zyphe runs continuous KYC on a privacy-first architecture that decentralizes identity storage, so always-on monitoring never builds a central honeypot of customer PII — unlike traditional providers that retain all data centrally.
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