Onboarding Platform (ONP)
What it is
Section titled “What it is”The Onboarding Platform (ONP) is the digital onboarding module of the Guardline Suite. It lets financial institutions configure onboarding journeys for individuals (KYC, Know Your Customer) and businesses (KYB, Know Your Business), from the first filled field to the approval decision, with full control over the flow, look-and-feel, and risk rules.
Journeys are configured by the institution through a graphical interface in the admin panel, with no code required.
Interaction modes
Section titled “Interaction modes”The ONP offers two interaction modes for the end customer:
| Mode | Description |
|---|---|
| Screen | Form-based interface with a fixed step sequence and logical validations between fields |
| Chat | AI-powered conversational interface where the customer answers questions in a guided dialogue |
The choice is made per journey. The same institution can use screen mode for business onboarding and chat mode for individual onboarding, for example.
Features
Section titled “Features”Configurable journeys
Section titled “Configurable journeys”The institution assembles the onboarding journey step by step through the panel's graphical interface, defining:
- Step sequence: which screens or interactions the customer goes through and in what order
- Fields and validations: which data is requested, which fields are required, and what format rules apply
- Conditionality: steps that appear only based on previous answers (for example, additional documentation for businesses above a given revenue threshold)
Pre-configured templates
Section titled “Pre-configured templates”The ONP ships with ready-to-use journey templates, which the institution can adopt as-is or adapt to its policy:
| Template | Description |
|---|---|
| Individual full | Individual journey with every verification step |
| Individual express | Simplified journey with biometrics and document forensics |
| Business | Business journey with corporate structure mapping and UBO |
| Minor | Journey with a review and approval step by the legal representative |
White-label
Section titled “White-label”The onboarding experience runs under the institution's brand. The following elements are configurable:
- Logo, colors, typography, and visual elements
- Custom domain
- Text and messaging for each step
- Communications (email, SMS) using the institution's identity
- No visible Guardline branding in the end customer's interface
Partner integrations
Section titled “Partner integrations”The ONP supports integration with external providers for automated verifications. Connectors are pre-configured on the platform by category:
| Category | Verification examples |
|---|---|
| Facial biometrics | Capture and biometric comparison |
| Document forensics | Document authenticity validation |
| Liveness | Real-time proof of life |
| Facematch | Comparison between selfie and document |
| Device fingerprint | Device identification and reputation |
| Background verification | Registry, restrictive list, and judicial checks |
| OCR | Data extraction and validity verification |
The institution can use already-certified partners or integrate its own providers.
Partner fallback
Section titled “Partner fallback”When an external provider is unavailable, the ONP applies a contingency chain:
- Automatic retry: the request is resent to the original partner
- Alternate partner: if the retry fails, the verification is routed to a configured substitute provider
- Conditional approval: if no partner responds, the case is sent to the analyst desk in the CMP for a human decision
Onboarding risk scoring
Section titled “Onboarding risk scoring”The decision engine (shared with the other modules via the Guardline Core) evaluates customer risk during onboarding. The score runs on a 0-1000 scale, computed from 10 weighted factors. These include, for example, CPF registry status, PEP status, matches on restrictive lists, adverse media, judicial proceedings, credit score, geographic risk, age range, type of legal relationship, and facial biometric confidence. The weight of each factor and the classification thresholds are fully configurable per institution and per journey type.
The result is classified into risk bands (for example, low, medium, high, and critical), each tied to an action: automatic approval, approval with enhanced monitoring (EDD), routing to manual review, or preventive block. The institution configures:
- Which factors feed the calculation and their relative weights
- Which rules trigger automatic approval, rejection, or manual review
- Thresholds by journey type, segment, or product
The score calculated during onboarding follows the customer through the entire lifecycle and serves as the baseline for continuous monitoring in the Fraud Prevention Platform.
KYC and KYB
Section titled “KYC and KYB”| Process | Coverage |
|---|---|
| KYC (Individual) | Identity validation, biometrics, background checks, PEP, restrictive lists |
| KYB (Business) | Corporate structure validation, ultimate beneficial owners (UBO), ownership chain, company documents, legal representatives |
For KYB, the ONP performs ultimate beneficial owner mapping and ownership chain verification, as required by AML/CFT regulations. The analysis traverses ownership levels until identifying the individuals who hold an interest or control.