Built for Your Stack, Ready for Your Regulator
A fintech grows one completed sign-up at a time and keeps its permissions one evidenced decision at a time. Simunix puts identity verification, watchlist screening and payment fraud scoring behind a single REST endpoint, returning in under 250 milliseconds, well inside the patience of a sign-up flow.
What Fintech & Payments teams are up against
Sign-up is the cheapest place to lose a customer
Fintech acquisition spend is only recovered once an account funds and transacts, so an applicant lost at a document upload or a pending-review screen takes that cost to a competitor. One request to the Simunix API resolves each applicant against identity, address and telephone records, returning a verification score inside 250 milliseconds, with sanctions, PEP and adverse media screening in the same response. Above the agreed threshold, the account opens with no analyst and no queue.
Obligations that arrive the same day as the licence
FCA authorisation brings AML duties, safeguarding obligations and ongoing customer due diligence into effect simultaneously, yet most firms reach that day with a compliance function of one or two people. Simunix treats the verification record as part of the result: score, sources consulted and screening outcome are retained from the instant the API responds, held under UK GDPR. A team of two can present the same standard of evidence as a department of forty.
Fraud at the speed of faster payments
An authorised push payment settles in seconds, leaving a recovery window measured in moments, and static rulesets read new fraud patterns through old assumptions. PRISM-X scores live payments in real time against rules configured to the firm's own thresholds, evaluated before funds are released, with the firm's team updating those rules directly rather than waiting on an engineering release. Flagged transactions become managed cases, queued with the signals that raised them, so a small risk team works selectively rather than across the full stream.
What changes with Simunix
Activation without the waiting room
Identity checks, screening and fraud scoring all return inside the sign-up journey, before the next screen loads. Genuine applicants see no pending state and upload no documents. Conversion stops being the price of compliance.
Evidence in place before anyone asks
The record behind each decision exists from the moment the decision is made. When a supervisory request lands, the basis of any past approval is a lookup, not a reconstruction. Internal audit and periodic reporting draw on that same store.
Fraud models that keep pace with the roadmap
PRISM-X applies configured rules to live transaction flows, and the firm's team updates thresholds directly as each product launch and new corridor goes live. Real-time scoring stays ahead of irrevocable rails, and case management gives a lean risk function a workload it can close.
Go deeper
Win the customer at the first interaction and keep the record accurate for every one that follows. Simunix verifies identities at sign-up, enriches incomplete profiles and keeps contact data lawful for marketing, all through one UK data partner.
Explore → SolutionsFraud evolves faster than the controls built to stop it. Simunix unites real-time risk scoring, identity intelligence, behavioural analytics and ongoing monitoring in one integrated risk management solution, covering prevention, investigation and account takeover protection across regulated industries.
Explore → SolutionsRegulation rewards firms that can prove their controls, not merely describe them. Simunix compliance solutions cover KYC and AML, financial crime prevention, watchlist screening and the documented evidence behind regulatory reporting, all built on trusted UK data.
Explore → Product Simunix APIReal-time data enrichment via a single endpoint.
Learn more → Product PRISM-XConfigurable rule orchestration for fraud and AML decisions.
Learn more →Ready to get started?
See Simunix in Action.
Talk to our team and find out how Simunix can reduce fraud, accelerate onboarding, and simplify compliance at your scale.