Exchanges and crypto-asset service providers
Wallet screening built in, and no more losing customers to a fifth passport upload.
Managed KYC and AML compliance
Not another KYC tool. A managed compliance service.
We run customer due diligence for regulated businesses. Our platform does the checks, our analysts investigate what they find, and your MLRO keeps the decisions.
Early access is open to a limited number of businesses.
Managed
Our analysts do the investigative work, not just the checks. You are buying a finished process, not another tool to run.
Mutualised
Each customer is verified once and reused, with their permission, across the businesses they choose.
Accountable
Evidenced work you can stand behind. The decisions the law reserves for you stay with you.
How it works
Due diligence, cleared.
Every regulated business checks the same people again and again, and the duplication protects nobody. A clearing house nets duplicate exposures so that each participant carries less risk. idclear does the same for customer due diligence.
One customer, five businessesTodayWith idclear
Onboarding journeys for the customer51
Passport uploads51
Screening and monitoring runs51
Each business still receives the evidence its own obligations require.
Onboard
One journey in your branding, for individuals and companies, asking only what your policy requires.
Verify and screen
Documents, biometrics, sanctions, politically exposed persons, adverse media and wallet exposure.
Investigate and evidence
Our analysts clear the alerts. You receive an indicative risk assessment with its evidence and rationale.
Monitor and reuse
Continuous monitoring, plus a shortcut for returning customers when they allow it.
The managed service
Software finds the signals. Our analysts investigate them. You decide.
Automated checks are the easy part. The cost of compliance is in what follows: false positives, unresolved matches and ownership structures that need a person to unpick them. That is the work we take on.
What we run
- Collects and verifies customer data and documents
- Maps ownership to every beneficial owner
- Screens people, companies and wallets, and resolves false positives
- Investigates alerts and performs enhanced due diligence
- Produces an indicative risk assessment with its rationale
- Monitors, refreshes and keeps the records
What stays with you
- Approving your risk assessment, policies and controls
- Attributing each customer's risk rating
- Deciding whether to take on or keep a customer
- Reporting suspicions to your financial intelligence unit
Article 18 of the EU Anti-Money Laundering Regulation lets regulated firms outsource due diligence tasks but reserves these decisions to the firm. idclear is built around that line.
Illustrative. Names and data are examples.
Who it is for
For every business that must know its customers.
The settings we hear from most. The service and the team are the same in each.
DeFi protocols
Verified participants in your pools without holding their documents, through on-chain attestations now in pilot.
Payments, e-money and fintech
Faster onboarding for consumers and merchants, with monitoring and case handling you do not have to staff.
Banks and lenders
Onboarding and periodic review run to your policy, with files your supervisor can follow.
Funds, wealth and professional services
Ownership mapped to every beneficial owner for funds, law firms, accountants and corporate service providers.
Somewhere else in the regulated economy?
If anti-money laundering rules apply to you, the service is designed for you too.
Tell us what you onboard
Your customers
Your customers’ data stays theirs.
Each customer verifies once and stays in control. Their profile is encrypted and shared with a business only when they allow it, and a free portal shows them every share: what, with whom and when.
- Fewer repeat document requests
- Fewer abandoned sign-ups
- Fewer genuine customers wrongly turned away
The one exception is a disclosure the law requires, for example to a financial intelligence unit. Withdrawing a permission stops further sharing; records a business must keep by law are kept for the period the law requires.
What it means for individualsAlex Example
Your sharing history
New request
Placeholder Bank Ltd would like your verified identity and address.
Each share records the business, the data, the purpose, the date and the permission behind it.
Trust and security
Built for the standards you are held to.
Compliance data is the most sensitive data a business holds. We designed for that from the first line.
Audit trailAll eventsAppend-only
- 11:04:59Identity document verified11:04:59OB-3H8D
- 11:05:18Liveness check passed11:05:18OB-3H8D
- 11:05:19Evidence stored11:05:19, SHA-256 b3e7…5d20OB-3H8D
- 11:05:35Screening completed11:05:35, Two potential matchesOB-3H8D
- 11:52:40Case investigated by analyst11:52:40, Evidence and rationale recordedOB-3H8D
Written once, never altered, and exported daily to immutable storage.
Built for the EU AMLR
Designed for the outsourcing rules in Article 18, which apply from 10 July 2027: we do the work, you keep the decisions.
Encrypted, keys kept apart
Encrypted in transit and at rest, with keys held in a dedicated key management service, separate from the data.
Your website never sees the data
The journey runs in a secured frame on sites you approve, stores nothing in the browser and passes no personal data to your page.
Records that stand up to inspection
Evidence is hashed on receipt and every event is written to an append-only audit trail, exportable on demand.
ISO/IEC 27001 aligned
Our information security management system is aligned with ISO/IEC 27001. Certification is planned after launch.
Privacy beyond Europe
Designed to meet the GDPR and the privacy laws where your customers live, from California to India and Japan.
Ask us for a security and data protection briefing. Due diligence runs both ways.
Request a briefing
Team
Built by practitioners.
Regulation, law and banking, with a record of writing and running the frameworks this service now operates.
Targ Patience
Co-founder and Chief Executive Officer
Regulatory expert in market structure, compliance and digital assets. Chair of GANT, Gibraltar’s DLT industry association, and digital innovation adviser to HM Government of Gibraltar.
Tereza Patience
Co-founder, Legal, Data and Operations
Solicitor, qualified with Eversheds, across commercial, regulatory and data law, and formerly Head of Legal for a digital exchange.
Kurt Looyens
Co-founder and Chief Business Officer
Former senior leader and chief executive in banking with ABN AMRO across international markets, building and transforming business divisions.
Advised by
Martin PluvesFormer Chief Executive of LCH
Bill MewDigital ethics campaigner and commentator
Anthony WoolleyBanking and fintech executive, former bank CIO and CTO
Rebecca Macieira-KaufmannFinancial services chief executive
Questions
The short answers.
What compliance teams ask us most. Anything else, write to info@idclear.com.
What is idclear?
idclear is a managed compliance service for regulated businesses, based in Gibraltar. We run customer due diligence on your behalf: identity and business verification, sanctions, politically exposed person and adverse media screening, wallet screening, investigations and ongoing monitoring. Each customer is verified once and can reuse that verified profile, with their permission, with other businesses that use idclear.
How is idclear different from a KYC software tool?
A KYC tool gives you checks and leaves your team to work the alerts. idclear does that work too: our analysts resolve potential matches, investigate, and give you an indicative risk assessment with its evidence and rationale, under a methodology you approve.
Who decides whether to take on a customer?
You do. Your MLRO attributes each customer’s risk rating and decides whether to take on or keep the relationship, and suspicious activity reporting stays with you. That is the line Article 18 of the EU Anti-Money Laundering Regulation draws for outsourcing.
How does reusable KYC protect customers’ data?
Each customer’s verified profile is encrypted and shared with a business only when the customer allows it. A free portal shows them every share: what, with whom and when. The one exception is a disclosure the law requires, for example to a financial intelligence unit.
Is idclear designed for the EU AMLR?
Yes. idclear is designed as an outsourcing service provider under Article 18 of Regulation (EU) 2024/1624, which applies from 10 July 2027, and to support reliance between regulated clients where its conditions are met.
Does idclear work for crypto-asset businesses and DeFi?
Yes. Exchanges and crypto-asset service providers get wallet screening alongside identity checks, and DeFi protocols can admit verified participants through on-chain attestations, now in pilot, without holding their documents.
Is idclear available now?
idclear is preparing for launch, and early access is open to a limited number of regulated businesses. To book a demo, email info@idclear.com.
See it run on your customer types.
A short demo, configured for the customers you onboard and the jurisdictions you work in.
Book a demo
Met us at a conference? Pick up where we left off: info@idclear.com