Best KYC and AML Platforms for 2025

Selecting the right Know Your Customer (KYC) and Anti‑Money‑Laundering (AML) platform is more important than ever. In 2025 regulators expect institutions in every sector to perform stringent identity checks, screen customers against sanctions lists and continuously monitor transactions for suspicious activity[1]. A poor choice can lead to compliance failures, hefty penalties and frustrating onboarding experiences. This guide compares leading KYC/AML platforms, explains how to evaluate them and highlights regional compliance considerations. If you’re short on time, jump straight to the Quick answer or the Comparison table.

Who this guide is for

This article is written for:

Compliance leaders – AML officers, money‑laundering reporting officers and risk managers tasked with selecting or upgrading KYC/AML systems.

Product managers and CTOs – building onboarding flows or integrating third‑party verification APIs.

Founders and executives – needing an overview of the landscape, regulatory requirements and pricing models.

How we evaluated platforms

We reviewed ten leading comparison posts and dozens of vendor websites. Our criteria reflect both regulatory requirements and practical considerations:

Coverage depth. Platforms must perform identity verification, sanctions and politically exposed persons (PEP) screening, adverse media searches and continuous transaction monitoring. Several competitors highlight the importance of combining document checks, biometric verification and sanctions screening[1].

Accuracy and fraud detection. With deepfake technology on the rise, liveness and biometric verification are essential[2]. Providers offering AI‑driven fraud detection receive higher marks.

Regulatory coverage. Effective tools include databases for US, UK and EU regulations and support local requirements like the 6th Anti‑Money‑Laundering Directive (6AMLD)[3].

Integration and API maturity. Modern onboarding flows rely on RESTful APIs and SDKs; ease of integration, documentation quality and sandbox availability matter.

Onboarding speed and user experience. The best solutions verify identities in seconds (AU10TIX reports response times of 4–8 seconds[4]) while reducing false positives.

Pricing transparency and scalability. Many vendors hide pricing behind sales calls; those with transparent, modular pricing or free trials score higher. Binderr’s comparison shows which providers offer integrated KYC/KYB and free trials[5].

Data security and privacy. We favour platforms that demonstrate compliance with GDPR, CCPA and PCI standards and offer strong encryption and audit trails.

Quick answer

If you need recommendations without reading the full article:

These suggestions reflect typical use cases; your needs may differ. Read on for more detail.

Comparison table

Below is a summary of the top KYC/AML platforms considered in this guide. “Pricing transparency” indicates whether the vendor publicly lists pricing or requires direct contact. “Free trial” shows if a no‑commitment trial or sandbox is available.

Platform deep dives

Veridaq

Overview. Veridaq is an integrated KYC and AML platform designed for global compliance. It offers identity verification, sanctions/PEP screening, adverse media checks and continuous transaction monitoring. Veridaq’s APIs are modular, allowing companies to choose only the capabilities they need. The platform emphasises privacy by design and offers configurable data‑retention policies.

Strengths. Veridaq stands out for its unified KYC/AML approach—unlike some competitors that specialise in either identity verification or AML screening. Its API‑first architecture enables rapid integration into existing workflows, and built‑in SDKs support mobile and web onboarding. Veridaq’s pricing is transparent and based on usage tiers, with a free sandbox for developers. Global data coverage includes US (BSA/FCPA), UK (FCA MLRs) and EU (6AMLD) watchlists, plus local databases in MENA and APAC.

Limitations. As a newer entrant, Veridaq’s brand authority and link profile are still developing. Enterprises requiring decades‑long track records may prefer more established names.

Sanction Scanner

Overview. Sanction Scanner positions itself as an affordable AML compliance tool offering name screening, transaction monitoring and fraud detection. Its 2025 comparison post highlights that KYC software should help verify customers, monitor transactions and meet anti‑money‑laundering requirements through document checks, biometric verification and sanctions screening[1].

Strengths. The platform automates checks against global sanctions and watchlists, including PEP databases, and supports ongoing monitoring. It provides real‑time alerts and risk scoring to help compliance teams prioritise cases. The company offers a free trial and daily monitoring to reduce manual workload.

Limitations. Sanction Scanner focuses primarily on sanctions and PEP screening; it lacks advanced onboarding features such as liveness detection or comprehensive document verification. Pricing details are not fully public, and integration options may require development effort.

iDenfy

Overview. iDenfy offers a full‑stack identity verification service with AML screening and monitoring. Its blog emphasises factors like country coverage, document type support, liveness verification and manual review options[8]. The company continually updates its “Best KYC Software Providers” article (last updated 16 September 2025[13]), showing a commitment to currency.

Strengths. iDenfy combines biometric verification (facial recognition), document scanning and fraud detection to deliver high accuracy. Passive and active liveness checks mitigate deepfake risk[2]. Its pricing model is pay‑per‑verification, which can suit businesses with fluctuating volumes. Manual review is available for complex cases.

Limitations. Integration may require more effort for non‑technical teams, and pricing transparency is limited—scalable models are available but exact costs require consultation.

Vespia

Overview. Vespia is a RegTech firm specialising in AML and Know‑Your‑Business (KYB) verification. Its article on the “10 Best AML Software Solutions” notes that AML software is vital for screening individuals and businesses against PEP, RCA, sanctions and adverse media lists[14]. The quick comparison table shows Vespia’s solution employs both AI and rule‑based methods and includes an AI Compliance Officer to help interpret results[9].

Strengths. Vespia’s combination of AI and rule‑based screening allows it to adapt to emerging risks and regulatory changes. Its platform offers KYB verification, risk analysis and an AI‑driven compliance officer to guide users. Pricing starts at €490 per month and a free trial is available.

Limitations. The product focuses primarily on AML; identity verification features may not be as deep as dedicated KYC providers. Additionally, Vespia’s geographic coverage is centred on Europe and the US; businesses operating elsewhere may require supplemental data sources.

AU10TIX

Overview. AU10TIX specialises in automated identity verification. Its comparison article claims AU10TIX is the “Usain Bolt of identity verification”, citing instant verification (4–8 seconds) and deep‑learning‑based fraud detection[4]. The article compares AU10TIX against competitors across automation, response time, integration time and coverage.

Strengths. AU10TIX provides global document verification using advanced AI and computer vision techniques. It supports more than 240 countries and territories[4], offers rapid onboarding and includes forensic checks for deepfake detection.

Limitations. Pricing is entirely bespoke, so prospective customers must speak to sales. The platform focuses on identity verification and may require pairing with separate AML tools for complete compliance.

Sumsub

Overview. Sumsub offers a full KYC/KYB/AML compliance platform. The Advapay article summarises Sumsub as a configurable solution supporting identity verification, transaction monitoring and Travel Rule compliance for crypto businesses[10].

Strengths. Sumsub is particularly strong in the crypto and digital asset space, offering Travel Rule compliance and support for 14 000+ document types across 220+ countries[10]. Its risk scoring engine, dynamic workflows and modular pricing make it attractive for startups and scale‑ups.

Limitations. Pricing can be higher for large volumes; some users report that customisation requires technical expertise.

Veriff

Overview. Veriff, highlighted in Advapay’s 2025 list, is known for its fast and user‑friendly identity verification service[7]. It leverages AI‑powered ID verification, biometric facial recognition, liveness detection and document checks across more than 230 jurisdictions[7].

Strengths. Veriff’s intuitive interface and rapid verification make it popular with fintechs and marketplaces. The platform is continuously improving its fraud detection engine to identify fake documents, deepfakes and stolen identities[15].

Limitations. Integration complexity may be an issue for small organisations without technical resources. Pricing is not fully transparent and typically requires a sales call.

ComplyAdvantage

Overview. ComplyAdvantage provides AI‑driven risk intelligence. Although not featured in all competitor posts, Binderr’s comparison highlights that some providers (e.g. ComplyAdvantage) are best for large enterprises and offer real‑time transaction monitoring with high accuracy[5].

Strengths. The platform excels at sanctions and PEP screening, transaction monitoring and risk scoring. Its data covers global watchlists and adverse media, and its machine‑learning models adapt to emerging typologies. ComplyAdvantage offers APIs and dashboards suitable for large financial institutions and insurers.

Limitations. Pricing is bespoke and targeted at enterprise budgets; it may not suit startups or small businesses. Implementation can be complex without dedicated compliance staff.

FOCAL

Overview. FOCAL (also branded as Mozn’s Focal) positions itself as an AI‑driven AML and fraud prevention platform. Its comparison article lists FOCAL among the best KYC software providers, describing it as an AI‑driven platform for AML compliance and fraud prevention that streamlines customer onboarding and risk management[16].

Strengths. FOCAL combines identity verification, customer due diligence and transaction monitoring. Its modular components (“ONBOARD”, “MONITOR”, “INSIGHTS”) cover identity verification, income verification, customer screening, transaction monitoring, device fingerprinting and financial insights[17]. A 30‑day free trial allows prospects to test the platform, and pricing is transparent.

Limitations. FOCAL’s brand recognition is growing but not yet global; coverage outside the Middle East and Europe may be limited.

TTMS (AML Track)

Overview. TTMS’s AML Track is a Polish AML automation platform featured in a comprehensive ranking of AML vendors[3]. It leverages AI to automate KYC verification and sanctions screening, integrates with national and EU databases and generates compliance documentation automatically[3].

Strengths. AML Track offers guided workflows that fetch data from national registers, conduct continuous sanctions screening and create required reports with one click[3]. Its integration with Polish and EU databases ensures local accuracy, and the platform prioritises data security through encryption[3].

Limitations. AML Track is optimised for the Polish and European markets; businesses operating globally may need supplementary data sources. Pricing information is not public.

Regional considerations

United States

The US regulatory framework includes the Bank Secrecy Act (BSA), the USA PATRIOT Act and the AML Act 2020. FinCEN enforces customer due diligence rules requiring verification of beneficial owners and ongoing transaction monitoring. When choosing a platform, ensure it supports US watchlists, 314(a) information sharing and currency transaction report (CTR) filing. Providers like ComplyAdvantage and Veridaq maintain strong US coverage, while European‑centric platforms may require additional data feeds.

United Kingdom

The UK’s Money Laundering Regulations and FCA guidance require firms to perform customer due diligence, enhanced due diligence for high‑risk customers and ongoing monitoring. The regulator also emphasises risk‑based approaches and robust record‑keeping. Providers with FCA registration or UK‑specific databases (e.g. Companies House checks) are advantageous. Veriff and iDenfy offer broad UK document support, while TTMS focuses more on EU markets[3].

European Union

The EU’s 6th Anti‑Money‑Laundering Directive (6AMLD) and the upcoming Anti‑Money‑Laundering Authority (AMLA) mandate stricter penalties and harmonised compliance across Member States. Institutions must screen against EU sanctions lists and beneficial ownership registers. Platforms like Vespia and TTMS integrate with EU databases[3]. Organisations should confirm that providers comply with GDPR and have data‑processing agreements in place.

Selection checklist

Use this checklist as a request‑for‑proposal (RFP) template when evaluating vendors:

❒ Data coverage: Does the provider cover the jurisdictions and datasets you need (ID documents, sanctions, PEPs, adverse media, transaction data)?

❒ Accuracy & fraud detection: What biometric and liveness technologies are used? Are there false positive/negative rates?

❒ Integration: Are APIs/SDKs well‑documented? Is a sandbox available? What is the average integration time?

❒ Scalability & performance: How quickly are identities verified (seconds vs minutes)? Can the system handle peak volumes?

❒ Pricing & licensing: Is pricing modular and transparent? Are there minimum commitments? Is a free trial available?

❒ Compliance & audit: Does the provider support region‑specific rules (BSA, FCA, 6AMLD)? Are audit trails and reporting available?

❒ Data privacy & security: Does the solution meet GDPR/CCPA requirements? What encryption and data‑retention policies are in place?

For a more detailed RFP document, see Veridaq’s compliance guide and our KYC API documentation for integration details.

Frequently asked questions

What’s the difference between KYC and AML?

KYC (Know Your Customer) refers to the process of verifying a customer’s identity at onboarding and ensuring that they are who they claim to be. AML (Anti‑Money‑Laundering) encompasses ongoing monitoring of customer behaviour, screening against sanctions and PEP lists and detecting suspicious transactions. Both are complementary—KYC is the first step in a broader AML programme.

Do I need separate tools for KYC and AML?

Not necessarily. Some platforms combine KYC and AML into a single suite (e.g. Veridaq), while others specialise in one area. Integrated tools simplify vendor management and data flow, but specialised tools can offer depth in a particular domain. Assess your compliance requirements, integration capabilities and budget to decide whether an all‑in‑one or best‑of‑breed approach suits you.

How do free trials work?

Many vendors offer free trials or sandboxes where you can test the API and user interface. For example, Vespia lists a free trial for its AML software[9], and Sanction Scanner offers a trial for its screening tools. Trials typically limit the number of checks or data sources but help you assess integration effort and user experience.

What data privacy standards should a provider meet?

A credible provider should comply with data protection laws such as GDPR (for EU residents) and CCPA (for California). Look for encryption at rest and in transit, secure data‑storage practices and clear data‑retention policies. Many platforms also undergo independent security audits.

How do sanctions, PEP and adverse media screening differ?

·       Sanctions screening checks customers against lists of individuals and entities subject to government‑imposed restrictions (e.g. OFAC, EU sanctions).

·       PEP screening identifies politically exposed persons and their relatives/associates, who pose higher corruption risks.

·       Adverse media screening searches news and media sources for negative information about an individual or business.
Effective AML software combines these checks with risk scoring and ongoing monitoring[14].

What makes Veridaq different?

Veridaq offers a unified platform that integrates KYC, AML and transaction monitoring. Its modular API allows businesses to select only the required components and scale as needed. The platform provides transparent pricing, global coverage and region‑specific compliance support. Unlike some competitors that focus solely on sanctions or identity verification, Veridaq encompasses the entire compliance lifecycle, from onboarding to ongoing monitoring. For more information, see our Veridaq product page.

Sources

https://www.sanctionscanner.com/blog/12-best-kyc-software-providers-in-2025--1220
https://www.idenfy.com/blog/best-kyc-providers/
https://vespia.io/blog/best-aml-software
https://www.au10tix.com/blog/top-10-kyc-solutions-reviewed/
https://advapay.eu/top-aml-kyc-providers-in-2025/
https://ttms.com/best-aml-software/
https://www.getfocal.ai/blog/best-kyc-software
https://binderr.com/resources/best-aml-softwares
https://hyperverge.co/blog/best-kyc-software/
https://microblink.com/resources/blog/top-kyc-solution-providers/

Disclaimer: This article provides general information on KYC and AML platforms and does not constitute legal advice. Readers should consult legal counsel for guidance on specific regulatory obligations.

[1] 12 Best KYC Software Providers in 2025 - Sanction Scanner

https://www.sanctionscanner.com/blog/12-best-kyc-software-providers-in-2025--1220

[2] [8] [13] Best KYC Software Providers 2025 - iDenfy

https://www.idenfy.com/blog/best-kyc-providers/

[3] 10 Best Anti-Money Laundering Software in 2025 | TTMS

https://ttms.com/best-aml-software/

[4]  Top 10 KYC solutions in 2025 - Reviews and Comparison | AU10TIX

https://www.au10tix.com/blog/top-10-kyc-solutions-reviewed/

[5] [6] [11] 6 Best anti money laundering (AML) Softwares in 2025

https://binderr.com/resources/best-aml-softwares

[7] [10] [15] Top AML & KYC providers in 2025 | Advapay

https://advapay.eu/top-aml-kyc-providers-in-2025/

[9] [14] 10 Best AML Software Solutions in 2025: A Quick Review

https://vespia.io/blog/best-aml-software

[12] [16] [17] The Best 15 KYC Software Solution Providers in 2025

https://www.getfocal.ai/blog/best-kyc-software