One platform. One view of every entity.
Welcome to Youverify Cowork
What Youverify Cowork is
Youverify Cowork is one platform for FRAML (fraud and anti-money-laundering): a single place to onboard, verify, monitor and investigate the people and businesses you do business with, and to see everything you know about each of them. Instead of stitching together a KYC product here, a sanctions screen there, and a transaction monitor somewhere else, you work with one object, the entity, and one continuous record of everything that has ever happened to it.
Behind it sits the same authoritative-data engine that powers Youverify across Africa, EMEA and beyond, reorganised around a model that reflects how compliance teams actually think: not “which check did I run?” but “what do I know about this customer, and what should I do about it?”
The problem we are solving
Most compliance stacks are organised around checks: an identity API, a separate business verification API, a separate screening API, and a separate transaction monitor, each returning its own report with its own identifiers. The result is fragmentation: a customer’s identity check lives in one system, their sanctions hit in another, their alerts in a third, their case in a fourth. Nobody has the full picture, false positives multiply, and onboarding slows down. Payment processors feel this most acutely: a processor often knows a customer by little more than an email, yet that customer still needs to be risk-assessed and monitored. A check-centric system has nowhere to put them.
The shift: from checks to the Entity 360
Cowork inverts the model. The starting action is Add Entity, not “run a verification.” You add a subject the moment you have anything about it, even just an email, and the platform creates a tracked record with a risk score and a 360 canvas. From then on, every check, transaction, signal, alert and case attaches to that one entity, building a complete, queryable history: the Entity 360.
Two consequences are easy to miss. First, adding an entity is not an approval decision; it produces a Created entity with a score and a canvas, and approval runs separately as an AI-agent workflow . Second, the score is computed at creation from whatever data is present, so an entity is useful immediately, however thin the inputs.
Who this is for
Payment processors, PSPs and BaaS providers onboarding sub-merchants and fintech
clients they often know only by email. Minimal-data entities, downstream hierarchies and progressive enrichment are built for this.
Fintech and bank engineering teams integrating KYC, KYB, AML screening and monitoring, who want a clean quickstart, predictable auth, SDKs and webhooks.
Card issuers and acquirers who need per-entity (and per-sub-merchant) screening and monitoring to meet scheme and regulatory obligations.
Compliance leaders evaluating Youverify, who need to understand the 360 value, risk scoring, compliance health and certifications.
Why teams move to Cowork?
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