What share of identity checks are handled automatically vs. manually?

Fully automated; humans review exceptions only

Do you track your verification drop-off (abandonment) rate?

We track it; it's moderate (10-30%)

We track it; it's low (<10%) and we optimise it

How do you handle fraud and false positives?

Manual review flags suspicious cases

Automated fraud signals + manual review

AI fraud detection with deepfake / synthetic-ID checks

How often do you run AML, sanctions and PEP screening?

At onboarding + periodic re-screening

Continuous monitoring with real-time alerts

What is your geographic and document-type coverage?

A few countries, limited document types

Multiple regions, broad document coverage

Global coverage, thousands of document types

How audit-ready is your compliance documentation?

Centralised but manual to compile

Full automated, exportable audit trail on demand

How many vendors and tools make up your identity stack?

No dedicated tooling / spreadsheets

A patchwork of 3+ point solutions

Two vendors, loosely integrated

How does the KYC readiness score work?

Each of the 10 questions has four answer options worth 0, 1, 2, or 3 points. The maximum total is 30. Scores 0-9 land in At Risk, 10-17 in Developing, 18-24 in Solid, and 25-30 in Best-in-Class. Each tier comes with concrete next steps.

How long does the assessment take?

About three minutes. The questions are multiple-choice and based on day-to-day operating decisions - verification methods, manual versus automated review, drop-off tracking, AML screening cadence, and audit-trail readiness.

Who is this assessment for?

Compliance officers, MLROs, heads of risk, fintech and crypto founders, KYC operations managers, and product leaders responsible for onboarding. Anyone designing or running an identity verification programme.

Is the KYC readiness assessment free?

Yes. The assessment is free. We ask for a work email at the end so we can send you the full report and tier-specific recommendations.

What does the report include?

Your tier rating, a written diagnosis of your current state, a tier-specific recommendation (book a demo, get the gap-fix guide, benchmark against peers, or join our thought-leadership track), and a breakdown of all 10 answers.

KYC Readiness Assessment

Q: What is a KYC readiness assessment?

A KYC readiness assessment scores how mature your Know Your Customer programme is across verification depth, automation, fraud defence, AML screening, audit-readiness and tooling. Zyphe's 10-question assessment produces a 0-30 score and places you in one of four tiers: At Risk, Developing, Solid, or Best-in-Class.

Q: How does the KYC readiness score work?

Each of the 10 questions has four answer options worth 0, 1, 2, or 3 points. The maximum total is 30. Scores 0-9 land in At Risk, 10-17 in Developing, 18-24 in Solid, and 25-30 in Best-in-Class. Each tier comes with concrete next steps.

Q: How long does the assessment take?

About three minutes. The questions are multiple-choice and based on day-to-day operating decisions - verification methods, manual versus automated review, drop-off tracking, AML screening cadence, and audit-trail readiness.

Q: Who is this assessment for?

Compliance officers, MLROs, heads of risk, fintech and crypto founders, KYC operations managers, and product leaders responsible for onboarding. Anyone designing or running an identity verification programme.

Q: Is the KYC readiness assessment free?

Yes. The assessment is free. We ask for a work email at the end so we can send you the full report and tier-specific recommendations.

Q: What does the report include?

Your tier rating, a written diagnosis of your current state, a tier-specific recommendation (book a demo, get the gap-fix guide, benchmark against peers, or join our thought-leadership track), and a breakdown of all 10 answers.

A KYC readiness assessment is a structured scoring of how mature your Know Your Customer programme is across verification, automation, fraud defence, AML screening, audit-readiness and tooling. Zyphe's free 10-question assessment scores you out of 30 and places you in one of four tiers - At Risk, Developing, Solid, or Best-in-Class - with tier-specific next steps.

Used by compliance officers, MLROs, fintech founders and product leaders. Takes about three minutes. Free, no signup to start.

Verification depth1 / 10

Which identity verification methods do you currently use?

How the score works

Each of the ten questions has four answer options scored 0, 1, 2, or 3 points - from manual and reactive at the low end to real-time, automated and continuously monitored at the high end. The maximum total is 30.

Themes covered: verification depth, automation rate, average verification time, drop-off tracking, fraud and false-positive handling, AML and sanctions screening cadence, geographic and document coverage, audit-trail readiness, vendor consolidation, and overall confidence in passing a regulatory exam.

Question design draws on FATF Recommendations, the Wolfsberg Group Anti-Money Laundering principles, FinCEN guidance, and operating patterns we've observed across Zyphe customers in fintech, banking, crypto, marketplaces and gaming.

The four result tiers

At Risk: Largely manual, reactive compliance with high fraud and audit exposure.
Developing: Foundations in place but inconsistent automation and monitoring.
Solid: Mostly automated and audit-ready, with room to optimise cost and UX.
Best-in-Class: Mature, automated, continuously monitored compliance.

Why a KYC compliance checklist matters now

KYC and AML enforcement has tightened across the EU (AMLA, MiCA), UK (FCA), US (FinCEN beneficial ownership rule), and APAC. At the same time, deepfake-driven synthetic identity fraud has made manual review and basic document checks insufficient on their own. A structured KYC readiness assessment surfaces the specific gaps a regulator or fraud ring will exploit first - before they do.

Teams that score in At Risk or Developing typically share a few patterns: manual review still dominates, drop-off is high but un-instrumented, AML screening happens only at onboarding, and the identity stack is a patchwork of three or more point solutions. Each of those is a fixable problem with a measurable ROI.

Teams that score Solid or Best-in-Class have usually consolidated onto a unified platform, run continuous AML monitoring, automate their audit trail, and treat onboarding conversion as a first-class metric. The remaining wins for them are at the frontier - decentralised identity, KYC reusability across products, and privacy-preserving verification.

The assessment maps each gap to a recommended next step: a Zyphe product, a published guide, a webinar, or a conversation with our compliance team.

Use these alongside your readiness score to close the highest-leverage gaps first.

KYC Software

Automate identity verification end-to-end.

KYB Software

Verify legal entities and beneficial owners.

AML Software

Continuous AML, sanctions and PEP screening.

Decentralised KYC

Reusable KYC for privacy-first onboarding.

Compliance Guides

In-depth playbooks by region and use case.

Glossary

KYC, AML and identity terminology.

Frequently Asked Questions

What is a KYC readiness assessment?: A KYC readiness assessment scores how mature your Know Your Customer programme is across verification depth, automation, fraud defence, AML screening, audit-readiness and tooling. Zyphe's 10-question assessment produces a 0-30 score and places you in one of four tiers: At Risk, Developing, Solid, or Best-in-Class.
How does the KYC readiness score work?: Each of the 10 questions has four answer options worth 0, 1, 2, or 3 points. The maximum total is 30. Scores 0-9 land in At Risk, 10-17 in Developing, 18-24 in Solid, and 25-30 in Best-in-Class. Each tier comes with concrete next steps.
How long does the assessment take?: About three minutes. The questions are multiple-choice and based on day-to-day operating decisions - verification methods, manual versus automated review, drop-off tracking, AML screening cadence, and audit-trail readiness.
Who is this assessment for?: Compliance officers, MLROs, heads of risk, fintech and crypto founders, KYC operations managers, and product leaders responsible for onboarding. Anyone designing or running an identity verification programme.
Is the KYC readiness assessment free?: Yes. The assessment is free. We ask for a work email at the end so we can send you the full report and tier-specific recommendations.
What does the report include?: Your tier rating, a written diagnosis of your current state, a tier-specific recommendation (book a demo, get the gap-fix guide, benchmark against peers, or join our thought-leadership track), and a breakdown of all 10 answers.