Step 1
The customer's document
The customer photographs their passport in the widget or in your app. The service recognises the document with no manual entry and checks it for signs of forgery and traces of editing.
NeuroVision solutions for financial institutions
A bank needs the Rosfinmonitoring watchlists and signals from the «Antifrod» state system, a microfinance firm needs a borrower check in minutes, a pawnshop needs identification on every deal. We have put together ready-made sets of checks for 12 types of financial institution: what to check, with what and how to switch it on.
The top-1 face verification algorithm in Russia Top-24 worldwide NIST FRVT 03/2023*
* The algorithm is in the top-25 of NIST FRVT (March 2023) — the best result among participants from Russia
Choose your type of institution
Each card shows what institutions of that type usually check and which products they need for it. A detailed page for every type will appear in this section.
Banks and credit institutions
Customer identification, borrower checks and fraud protection when money is paid out.
- KYC · AML · the «Antifrod» state system
Banks
Customer screening by passport and state databases, the Rosfinmonitoring watchlists and sanctions. Preparation for work with the «Antifrod» state system and handling of its signals in the bank's anti-fraud platform.
- KYC · Database checks · Anti-fraud
Microfinance and microcredit companies
A borrower check in minutes: passport recognition, its validity through SMEV, bailiff debts, bankruptcy and microfinance credit scoring. Database checks from 5 ₽.
- KYC · Database checks · Anti-fraud
BNPL and instalments
Checking the buyer right inside the instalment flow, without taking them off the page: passport, bailiff debts, bankruptcy and a creditworthiness score.
- KYB · Database checks
Leasing, car loans and factoring
Checking the lessee, the director acting as guarantor and the debtor before the deal: the company and its director, commercial court cases, bankruptcy and liens on movable property.
- KYC · AML
Credit and agricultural cooperatives
Credit cooperatives fall under 115‑FZ: identification of a member on joining and screening against the Rosfinmonitoring watchlists and sanctions.
Payment services and investment
Branchless onboarding, list screening and transaction checks.
- KYC · AML · KYT
Payment services, e-wallets and transfers
Recognition of documents from 195+ countries and territories, checks of the data against databases, watchlists and sanctions, the police register of controlled persons, and transaction monitoring.
- KYC · AML
Brokers, asset managers and investment platforms
Remote account opening: passport recognition and screening against watchlists, sanctions and lists of politically exposed persons. The same set applies to investment platforms and funds.
- Document recognition
Private pension funds
Screening clients and their successors: recognition of the passport and handwritten applications, the passport, social insurance number and tax number against state databases, watchlists, sanctions and PEP status.
Insurance and credit data
Documents and applications with no manual entry, and a forgery check on the documents.
- Document recognition · KYC · AML
Insurance
Passports, driving licences and handwritten applications turned into data with no manual entry when issuing a policy and settling claims. Policyholder identification under 115‑FZ.
- Document recognition
Credit bureaus
Recognition of requests and applications, handwritten ones included, a passport check against the police database, and a forgery check on the attached document copies.
Pawnshops, buy-back shops and precious metals
Identification and watchlist screening on every deal — with no queue at the counter.
- Passport recognition · AML
Pawnshops
Pawnshops fall under 115‑FZ: customer identification and watchlist screening on every deal. The passport is recognised in seconds, with no manual entry at the counter.
- Passport recognition · AML
Jewellers, buy-back shops and precious metal dealers
Organisations that buy and sell precious metals and stones fall under 115‑FZ: identification of buyers and sellers and watchlist screening.
What the law requires of financial institutions
The requirements of 115‑FZ are the same for almost every type of financial institution. Banks have additional obligations under the «Antifrod» state system. Below is what has to be done and by when.
NeuroVision automates the customer checks. Freezing funds, reporting to Rosfinmonitoring and decisions on the customer remain the responsibility of your compliance team.
- KYC verification
Customer identification
115‑FZ — the obligations of every financial institution that falls under the law.
Before taking the customer on
- Identify the customer, their representative and the beneficiary
- Establish the beneficial owner of a corporate customer — a stake over 25% or control
- A foreign public official — only by written decision of management
Regularly
- Update customer details once a year, or once every 3 years where the risk is low
- Watchlist screening
Rosfinmonitoring watchlists
115‑FZ, art. 7, 7.4 and 7.5 — customer screening and the freezing of funds.
Screen
- The customer against the watchlists — when taking them on
- The entire customer base — at least once every 3 months
On a match
- Freeze the funds under the national list and the Commission's decisions — within 24 hours of publication
- Freeze the funds under the UN Security Council lists — within 20 hours of the notification
- Report the freeze to Rosfinmonitoring — within 1 working day
- Preparing for the system
The «Antifrod» state system
41‑FZ and 210‑FZ — the obligations of banks.
01.03.2026 · 41‑FZ
- The «Antifrod» state system went live
01.03.2027 · 210‑FZ
- An obligation to submit data to the system
- Taking Bank of Russia data and malware intelligence into account when screening transactions
- Compensation to the customer if the requirements are not met
How a customer check works
A typical onboarding flow at a financial institution — three steps from the document to the decision. You choose the set of checks at each step yourself, to suit your type of institution and your risk appetite.
Step 2
Checks against databases and watchlists
The data from the recognised passport immediately triggers the checks: passport validity, the Rosfinmonitoring list, sanctions, bailiff debts, bankruptcy and scoring — only the ones you have enabled. No data has to be re-entered.
Step 3
The decision and the log
The response carries the result of each check with its date, source and the records found. The workflow itself lets the customer through, sends them for manual review or rejects them, and the check data can be filed with the customer's record.
What a solution for finance is built from
A set for a financial institution is assembled from six products on one platform. Switch on only what you need — you pay for the checks performed.
- Learn more
KYC verification
Passport recognition and a forgery check on the document — through a widget or the API. Customer data with no manual entry.
- Learn more
Passport recognition
Russian internal and international passports and documents from 195+ countries and territories turned into JSON with no manual entry, MRZ included.
- Learn more
Database checks
Passport validity through SMEV, bailiff records, bankruptcy, court cases, tax numbers and financial scoring — more than 30 checks from 5 ₽.
- Learn more
The Rosfinmonitoring watchlists and sanctions
The list of terrorists and extremists, the UN, OFAC, EU and UK lists and PEP status — in a single API call.
- Learn more
Company checks (KYB)
Corporate customers, lessees and counterparties: registers, the director, beneficial owners and a check on the representative.
- Learn more
Anti-fraud and the «Antifrod» state system
Forged documents, face spoofing and multi-accounting; for banks, the handling of signals from the «Antifrod» state system.
Why automate customer checks
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Minutes instead of hours
The customer completes the check themselves, with no branch visit and no operator. The document, the face and the databases are all checked in one session.
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Less manual work
The recognised passport goes straight into the database and watchlist checks. Staff handle only borderline cases rather than every application.
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Namesakes are not blocked
A watchlist match counts only on full name and date of birth together. Namesakes pass onboarding without manual review.
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An evidence trail for the regulator
For every check the date, the source and the records found are stored. They can be filed with the customer's record and shown during an inspection.
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Protection against fraudsters
Forged and edited documents, face spoofing and repeat sign-ups are stopped before any money is paid out.
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A price with no subscription
You pay only for the checks performed: from 5 ₽ for Russian registers. Checks skipped for lack of data are not billed.
What the checks cost
A fixed price per check, with no subscription fee. Checks skipped for lack of data are not billed.
- Configure a set
Individual checks
5 ₽ per check
Any Russian register check on its own: passport validity, the Rosfinmonitoring list, bailiff records, bankruptcy and court cases. Build a set to match your scoring model.
- Most popular choiceEnable the package
The «16 in 1» basic package
50 ₽ per package (3.125 ₽ per check)
A full customer check against 16 key databases from a single passport, including the Rosfinmonitoring list and sanctions. Bought separately the set would cost 80 ₽.
- Enable
International compliance screening
36 ₽ per check
PEP status, sanctions lists from more than 50 countries, regulatory actions and adverse media. For customers with foreign documents.
The KYC session, document recognition, scoring checks and phone number checks are priced separately — we will quote for your volume.
How to connect NeuroVision
Choose the option that suits your team: a widget for a pilot, the API to embed in your onboarding, or an installation inside your own perimeter.
Terms
- A 1-month trial period
- A dedicated manager
- 24/7 support
- Payment for the checks performed
Why financial institutions choose NeuroVision
A financial institution needs a vendor it can show the regulator without embarrassment: data in Russia, a clear result for every check, and a price per check rather than per licence.
One vendor for the whole onboarding flow
Documents, database checks, watchlists and sanctions are all connected through one API.
There is no need to reconcile the responses of three vendors to reach a decision on a customer.
A world-class algorithm
Top-1 in Russia and top-24 worldwide in the NIST FRVT face comparison benchmark (March 2023).
A Russian developer
A Skolkovo resident; the platform is entry no. 19972 in the Russian software registry.
Licences and certificates
The project «Development of a multimodal system using artificial intelligence "Neuromed" for managing the diagnostic processes of a clinic on the basis of the "Neurovision" computer vision platform» is supported by the Innovation Promotion Foundation within the federal project «Domestic Solutions»
The Neurovision computer vision platform is registered with Rospatent (certificate No. 2023661508) and included in the Russian Software Registry (entry No. 19972 of 13.11.2023)
The right to use the Platform is granted under a licence agreement concluded by Neurovision with its customers
Read also
The requirements on financial institutions and customer screening in practice — in our blog.
321 22
KYC, AML and Digital Identification
Fintech Compliance Under Federal Law 115-FZ: How to Build a KYC and AML Loop Without Overloading the Team
107 30
KYC, AML and Digital Identification
Politically Exposed Person (PEP): Who It Is and What 115-FZ Requires
89 28
KYC, AML and Digital Identification
Financial Monitoring and AML/CFT in Simple Terms: What It Is, Who It Applies To, and How It Works
50 29
KYC, AML and Digital Identification
115-FZ: What Businesses Are Required to Do and How to Meet the Law’s Requirements
Questions about solutions for financial institutions
The organisations listed in article 5 of the law: banks, microfinance organisations, credit cooperatives, insurers, professional securities market participants, fund management companies, private pension funds, leasing companies, pawnshops, payment acceptance operators, organisations that buy and sell precious metals and stones, and others. More in the article on compliance in fintech.
They have sections of their own: «Crypto and digital financial assets» and «E-commerce». While those sections are being prepared, their workflows are gathered on the all industries page.
Yes. Every check is enabled separately and billed per request performed: screening against the list of terrorists and extremists costs 5 ₽. It can be run from your own system using the customer's full name and date of birth.
Yes: we prepare the bank to work with the «Antifrod» state system and build its signals into the anti-fraud platform alongside customer checks at onboarding. The SMEV 4 connection and the PODD agent are handled by the bank itself or with an integrator.
No. NeuroVision automates the checks and returns a result that can be filed with the customer's record. Decisions on the customer, the freezing of funds and reports to Rosfinmonitoring remain the responsibility of your compliance team, and the online account remains the official channel for exchanges with the agency.
Failure to comply with the freezing requirements carries up to 500,000 ₽ for an organisation, or suspension of operations for up to 60 days (art. 15.27(2.1) of the Code of Administrative Offences). For banks, measures are applied by the Bank of Russia.
In Russia: in the NeuroVision cloud or in your own infrastructure with an on-premises installation. The platform complies with 152‑FZ and 242‑FZ.
It depends on the set and the volume. Checks against state registers start at 5 ₽, a package of 16 checks from a single passport costs 50 ₽, and there is no subscription fee. For an exact quote see the pricing page or send us a request.
Yes, the trial period is 1 month. Send a request stating your type of institution and we will prepare a set of checks for your onboarding flow.
We will put together the checks for your institution
Tell us who you check and how many customers a month — we will assemble a set of checks and give you test access.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a call
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