KYC and KYB orchestration
Connect approved identity and business-verification providers to onboarding and transaction workflows.
Compliance operations
Control built into every payment flow.
Apply program rules, coordinate verification providers, review sensitive actions, and preserve a clear audit trail across every supported payment rail.
Talk to Xoido →Compliance should happen inside the transaction lifecycle.
Xoido connects compliance decisions with payment initiation, routing, settlement, and reconciliation. Controls are applied before sensitive actions move forward, while exceptions remain visible for review.
IdentifyEvaluateApproveMoveReconcileAudit
Core capabilities
Transaction monitoring
Evaluate activity throughout the payment lifecycle and surface transactions that require review.
Program restrictions
Apply rules by customer, program, provider, jurisdiction, asset, payment method, and transaction type.
Maker-checker approval
Require independent review before sensitive transfers, settlements, refunds, or configuration changes proceed.
Role-based access
Limit actions and information according to each operator's responsibilities.
Case management
Record alerts, decisions, supporting evidence, reviewer notes, and resolution status in one workflow.
Audit trails
Preserve a durable record of instructions, policy results, approvals, state changes, and exceptions.
Compliance provider flexibility
Change verification or monitoring providers without rebuilding the surrounding operating model.
Rules scoped to the right context.
Policies can be applied across:
- Business or customer
- Program
- Provider
- Country or jurisdiction
- Payment rail
- Asset and network
- Transaction amount
- User role
- Risk or review status
Give operators the information needed to decide.
A review screen should show:
- Transaction and customer information
- Triggered policy rules
- Verification results
- Provider responses
- Ledger and payment history
- Supporting documentation
- Reviewer and approver
- Decision history
- Required next action
Compliance and reconciliation
Failed, pending, reversed, and unknown transactions must not appear identical.
Xoido connects compliance decisions with ledger and reconciliation records so operators can understand what was requested, what was approved, what moved, and what remains unresolved.
Clear responsibilities across the payment stack.
Xoido provides orchestration software, workflow controls, and operational records. Identity verification, banking, payment processing, custody, conversion, screening, and other regulated services are performed by the applicable approved providers. Each business remains responsible for its own compliance program, policies, approvals, and legal obligations.
Frequently asked questions
Does Xoido perform KYC or KYB?
No. Xoido connects approved identity and business-verification providers to onboarding and transaction workflows — identity and business verification itself is performed by those independent providers.
Can we use our existing verification provider?
Where a provider integration is supported, businesses can connect their existing identity or business-verification provider to their Xoido workflows.
Can policies vary by program or jurisdiction?
Yes. Policies can be scoped by business, program, provider, jurisdiction, payment rail, asset, transaction amount, user role, and risk or review status.
What actions can require maker-checker approval?
Sensitive transfers, settlements, refunds, or configuration changes can be configured to require independent review before they proceed.
What information is included in the audit trail?
Instructions, policy results, approvals, state changes, and exceptions — preserved as a durable record across the payment lifecycle.
How are alerts and exceptions handled?
Alerts and exceptions are recorded in a case-management workflow with supporting evidence, reviewer notes, and resolution status, so operators can decide with full context.
Does Xoido replace our compliance team?
No. Xoido provides orchestration software, workflow controls, and operational records. Each business remains responsible for its own compliance program, policies, approvals, and legal obligations.
Which capabilities are currently available?
Available capabilities vary by business, provider, payment method, and jurisdiction, and are confirmed during onboarding.
Ready when you are
Build compliance controls into the flow.
Talk with Xoido about your programs, providers, approval requirements, and payment rails.
Talk to Xoido →