The new standard in KYC
Experience best-in-class fraud detection at industry-leading conversion and compliance levels. Fourthline verifies millions of identities for banks, fintechs, and more.Explore our products
Best-in-class fraud detection
Catch 60% more fraudsters and also flag high risk cases with the Fourthline Formula, the most extensive set of KYC analyses in the industry. Select the level of verification that fits your business.
Industry-leading conversion levels
Onboard customers with the most comprehensive level of verification - all in less than 2 minutes. Other KYC providers have 5x-10x longer handling times or significantly fewer checks at similar conversion levels.
Unparalleled compliance and security
Benefit from the only KYC provider licensed by regulators (both DNB and FCA). Our products are built in-house and locally compliant. And all data is processed and stored in the EU.
Lowest Cost of Compliance
Leverage our highly efficient EU based analysts to reduce in-house costs on investigations (e.g., fraud, PEP, watchlist), quality control and non-converting flow. Our analysts can provide a final and risk based CDD verdict.
KYC and re-KYC
Verify billions of individuals from more than 195 countries.
Support huge inflows of incidental verifications.
Know your Business
Verify small and medium enterprises (beta).
The Fourthline Formula:
Catch 60% more fraud
Create a comprehensive KYC profile by using the 8 advantages of the Fourthline Formula (compared to a market standard of 2-3).
Catch 60% more fraud with advanced identity verification features unique to the Fourthline Formula.
Flag cases as high risk (up to 7%) and decide to onboard, reject, or monitor based on your risk preferences.
Select the level of verification that fits your business: Use the complete Fourthline Formula or a limited number of checks.
The Fourthline Formula advantages
1. ID verification
Verify 3,500-plus documents using hundreds of AI analyzers and proprietary OCR/NFC technology, including hard documents (e.g., Italian paper ID). Extract personal details to avoid friction and verify documents as secondary ID (e.g., proof of address).
2. Biometric verification
Use advanced 3D technology and photometric algorithms to match a selfie or short video to the ID document. Escalate to a four-eye expert review if AI doesn’t return conclusive results.
3. Database checks
Check 500-plus databases, including sanctions/watchlists, PEP, police databases, adverse media as well as country-specific databases (e.g., Cifas). Identify hits and eliminate false positives through our proprietary software.
4. ID authenticity
Perform a series of checks to establish whether a document is truly authentic. Leverage AI to localize and mark security features on a randomized basis with a full audit trail.
5. Data consistency
Create a plot which visualizes the consistency of data by extracting and comparing many visible and invisible data points (e.g., geo location, device metadata, and address).
6. Joint forces
Collaborate on flagging money mules, professional ID fraudsters, and other high-risk sign-ups through the biggest European GDPR-compliant solution for financial institutions.
7. Second opinion
Use highly trained fraud experts -including former police officers- for a second opinion on thousands of automated checks. The human eye blocks fraudsters attempting to fool the algorithms.
8. Daily monitoring
Catch recurring or colluding fraudsters through daily monitoring. Find overlapping data points and statistical anomalies with our Enhanced Fraud and Profiling Investigations.
Want to learn more?
Get in touch with our fraud and compliance experts today