Biometric ID, fraud detection and AML — trust without the friction

In lending, trust and speed usually pull against each other: the more checks you add, the more friction the customer feels. Oxyan is built so that the safeguards are the very thing that makes the process fast.

Identity, confirmed by biometrics

Rather than asking a customer to email a photo of their licence and hoping it's genuine, Oxyan confirms identity with a biometric check on the customer's own device — matching a live capture against their identity document, with liveness detection to prove a real person is present. It takes seconds and happens entirely on their phone.

Fraud detection built in

Real-time signals — device, behaviour, document authenticity and open-banking data — are assessed as part of the same flow. Suspicious patterns are caught before an application is approved, protecting the customer, the vendor and the lender without adding a manual review step for legitimate buyers.

AML and KYC, done properly

Anti-money-laundering and know-your-customer obligations are met through automated, auditable checks embedded in the application. Compliance isn't a separate process bolted on afterwards — it's part of the real-time decision, which is what allows approval in about a minute while staying within a regulated framework.

Why the customer barely notices

Because verification is digital, guided and instant, the customer experiences it as a smooth part of buying — a couple of taps — rather than a hurdle. Good security, done well, is nearly invisible.

Why vendors love that they don't touch it

Every identity and compliance step happens between Oxyan and the customer. The vendor never collects or stores sensitive documents, never runs the AML checks, and never carries the associated risk. You get the safety and the speed; we carry the obligation.