KYC onboarding from 4 days to 32 minutes.
A regional fintech with manual 4-day onboarding was losing 41% of applicants before first login. We rewrote the full flow in 11 weeks.
Problem.
Onboarding was split across 6 tools, 11 manual handoffs and a 4-day average. Drop-off was 41% between signup and first deposit. The compliance team reviewed documents in PDFs over email. Every month, ~620 valid applicants abandoned before transacting.
Approach.
A 2-week discovery mapped the 11 real handoffs, not just the documented ones. We built a single flow in Next.js plus a Node service orchestrating document verification (Truora), live KYC (selfie + ID), AML screening and automatic approval for low-risk profiles. High-risk cases went to a human queue with a 4h SLA. All data flowed back to the fintech through webhooks, without manual glue.
Result.
Average KYC: 32 minutes. 78% approved automatically without human intervention. Drop-off fell from 41% to 12%. The compliance team went from 4 people to 2; the other 2 now audit scoring-model quality.