We check a member when they join, before a loan and before personal savings are accepted: passport validity against police data, the Rosfinmonitoring watchlists and sanctions, debts, bankruptcy and pledges. In the web portal with no integration, or through the API — from 5 ₽ per check.
Data stored in Russia · Russian software registry no. 19972 · 115‑FZ and 152‑FZ
Credit and agricultural credit cooperatives are subject to 115‑FZ and supervised by the Bank of Russia. Below are the duties that apply when a member joins, and the rules that have applied to the whole cooperative lending market since 2025.
Identification through the state services portal and the Unified Biometric System, the decision to admit a member, freezing funds and reporting to Rosfinmonitoring are the cooperative's own job. NeuroVision provides the checks of the member against databases and lists that help take that decision and evidence it.
115‑FZ, art. 5 and 7 — credit and agricultural cooperatives are on the list of covered entities.
115‑FZ, art. 7, and 190‑FZ, art. 11.
254‑FZ and 190‑FZ — new rules for the cooperative lending market.
A cooperative checks a person three times: when they join, when they take a loan and when they hand over savings. Here are the tasks that NeuroVision checks cover.
The passport is read with no manual entry and checked against police data, and the tax and social insurance numbers against the tax service and the Social Fund. The Rosfinmonitoring list and sanctions — before the decision to admit, not after the first contribution.
Most often enabled:
Before the loan committee: enforcement proceedings, bankruptcy, tax debts and scoring. For a secured loan — a check of the register of pledges over movable property.
Most often enabled:
Who is handing the cooperative a large sum: whether the member is on the watchlists or sanctions lists, and whether they are a politically exposed person. The check comes before the savings contract is signed.
Most often enabled:
Documents from 195+ countries and territories are read with no manual entry, and the name in Latin script comes from the MRZ. A check against the police register of controlled persons, sanctions and PEP lists — before the decision to admit.
Most often enabled:
Agricultural credit cooperatives are joined by peasant farms, sole traders and agricultural businesses. A check of the director and the founders by tax number: bankruptcy, commercial court cases, nominee status, watchlists and sanctions.
Most often enabled:
Someone else's or an invalid passport, an edited scan, a «member» with dozens of companies to their name. The checks show this before the loan is paid out — while the money is still in the cooperative.
Most often enabled:
115‑FZ lets a cooperative supervised by the Bank of Russia identify a member without their personal presence, through the state services portal and the Unified Biometric System. Identity is confirmed by the state, not by a checking service.
Identifying a member can be delegated to a bank under contract. At the office the passport is read by a camera or a scanner with no manual entry, and the data goes straight into the checks.
The state services portal and the biometric system will not tell you whether a person has debts, bankruptcy or pledges, or whether they are on the watchlists and sanctions lists. That is what NeuroVision checks — in a single request or in the web portal.
The decision to admit and to lend is the cooperative's.
NeuroVision provides the data to make that decision fast and verifiable.
An employee of the cooperative enters the data in the web portal, or the accounting system sends it to the API. The answer arrives before the board or the loan committee meets.
The member brings a passport or sends a photo — the form fills in automatically, and the document is checked for forgery and traces of editing. For foreign nationals — documents from 195+ countries and territories, with the name in Latin script from the MRZ.
On joining — the passport, the tax number, the watchlist and sanctions. Before a loan — the bailiffs, bankruptcy, taxes, pledges and scoring. Before savings are accepted — PEP and compliance screening. You switch on only what that step needs.
For every check — the result, the source, the date and the records found. The report is kept in the member's file and shown to a Bank of Russia or self-regulatory organisation inspection. A check that was skipped says which data was missing.
Access under a contract with the cooperative
The checks are available to legal entities and sole traders under contract — for identifying customers, assessing risk and complying with 115‑FZ. Rights to individual checks are configured per group of employees.
Personal data is processed in Russia
Checks that require the member's consent by law — scoring and telecoms operator data — do not run without it. NeuroVision is on the Roskomnadzor register of personal data operators.
The register, the case number, the date and the time
Every record in the response comes with the source register, the case or proceedings number, and the date and time of the register's reply. The report can be attached to the member's file and to the loan decision.
Russian software registry no. 19972
The platform is on the Russian software registry (entry no. 19972), the company is on the Ministry of Digital Development's register of IT companies, and it is a Skolkovo participant.
Connected in a day, or installed at your end
A cloud connection in a day or an on-premises deployment — members' data never leaves your perimeter.
115‑FZ
152‑FZ · 190‑FZ
Every check is switched on separately and paid for per completed request. Descriptions, sources and response fields are in the API check catalogue.
The passport, watchlists and sanctions
Who is joining the cooperative: whether the document is valid and whether the person is on the mandatory lists.
The authenticity and validity of a Russian passport through the interagency interaction system. It catches expired, replaced, lost and invalid documents and verifies that the passport was issued to this particular person.
5 ₽ / check
Learn moreDetermining the tax number from the passport data. It unlocks the checks that need precise identification of the person — with no namesakes.
5 ₽ / check
Learn moreChecking the social insurance number against the full name and date of birth: does the number really belong to this person. The answer is a match or no match.
5 ₽ / check
Learn moreScreening against the list of people involved in extremist activity or terrorism. A mandatory check under 115-FZ.
5 ₽ / check
Learn moreScreening against the consolidated lists of OFAC (USA), the European Union, the United Kingdom and the UN. Every match carries a similarity score and a flag if it was triggered by an alias.
5 ₽ / check
Learn moreA search of the federal database of people wanted by the police. Filtered by the full date of birth — results with no namesakes.
5 ₽ / check
Learn moreDebts, bankruptcy and pledges
Whether the member will repay: their debt load, court cases and a market-data assessment.
Active enforcement proceedings from the bailiffs' database: the amounts owed, the claimants, the type of recovery and an estimate of how close the person is to bankruptcy given their total debts.
5 ₽ / check
Learn moreA search of the federal bankruptcy register: personal bankruptcy cases filed and completed. By tax number the result is unambiguous.
5 ₽ / check
Learn moreA check against the Federal Notary Chamber's register of pledges: whether the person's property (cars, equipment) is pledged against any outstanding loans.
5 ₽ / check
Learn moreAn individual's outstanding debt on taxes and payments administered by the tax service.
5 ₽ / check
Learn moreAn assessment of the borrower's credit quality based on microfinance market data: a score from 0 to 1000. It requires the customer's consent to data processing.
5 ₽ / check
Learn moreA reliability score from the credit bureau's data, on a scale from 0 to 9. The score is informational — you set the threshold. It works from the passport, the tax number, the phone number or the full name with date of birth, and requires the customer's consent.
5 ₽ / check
Learn moreForeign members and corporate members
Documents of other countries, the police register, PEP screening and links to companies.
Passports and documents from 195+ countries and territories — turned into data with no manual entry, with the name in Latin script from the MRZ.
A check on a foreign national against the register of controlled persons that the police have kept since February 2025: people who have lost the legal grounds to stay in Russia. Russian citizens do not need the check — by law they are not in the register.
5 ₽ / check
Learn moreInternational screening against politically exposed persons and their associates, sanctions lists from more than 50 countries, regulatory actions and adverse media coverage. For Russian citizens it runs from the international passport or from the full name and date of birth.
36 ₽ / check
Learn moreA person's links to legal entities: where they are a shareholder or a director, and whether they hold sole trader status.
5 ₽ / check
Learn moreA flag that the person is listed as a nominee or serial company director.
5 ₽ / check
Learn moreStatus, the director and the founders, court cases, debts and sanctions from a single tax number. Early access.
A fixed price per check, with no subscription fee and no minimum volume — which matters to a cooperative that admits a few members a week. Checks skipped for lack of data are not charged.
5 ₽ per check
Only what that step needs: the passport, the watchlist, the bailiffs and bankruptcy before a loan, for instance — 20 ₽ per member.
50 ₽ per package (3.125 ₽ per check)
A full check of a member against 16 key databases from a single passport, the Rosfinmonitoring list included. Separately — 80 ₽.
36 ₽ per check
PEP screening, sanctions lists from more than 50 countries, regulatory actions and adverse media — for foreign members and before large savings are accepted.
Document recognition, document anti-fraud, scoring checks and phone number checks are priced separately — we will quote for the number of members you have.
You can start with the web portal: an employee enters the member's details and gets a report. When there are more checks to run, connect the API to the cooperative's accounting system.
Integration takes a working day or more, and support is 24/7.
A cooperative needs its 115‑FZ compliance automated without an IT department of its own and without a subscription fee — and with a report it is not embarrassed to show an inspector.
The passport, watchlists, sanctions, debts, bankruptcy, pledges and scoring — in one portal and under one contract.
No need to check a member on five websites and collect screenshots in a folder.
A Skolkovo resident; the platform is entry no. 19972 in the Russian software registry.
115‑FZ, financial monitoring and remote identification — on our blog.
Yes. Credit consumer cooperatives, agricultural ones included, are named in article 5 of 115‑FZ. The cooperative identifies a member before taking them on, screens them against the Rosfinmonitoring watchlists, freezes the funds of people on the list and regularly matches its member base against the watchlists.
115‑FZ allows organisations supervised by the Bank of Russia, which includes credit and agricultural credit cooperatives, to identify an individual without their personal presence, through the state services portal and the Unified Biometric System, provided the person is not on the watchlists. A cooperative may also delegate identification to a bank under contract. How the application to join is made follows the charter and 190‑FZ.
No. Identity is confirmed by documents presented in person, by the state services portal and the biometric system, or by a bank under a delegation contract. NeuroVision checks the member: whether the passport is valid, whether they are on the watchlists and sanctions lists, and whether there are debts, bankruptcy or pledges. The decision to admit and to lend is the cooperative's.
Bailiff enforcement proceedings, bankruptcy, tax arrears, pledges over movable property — if the loan is secured — and a market-data score. Each check costs 5 ₽, so the four basic pre-loan checks come to 20 ₽.
Members may be individuals aged 16 and over who meet the membership criteria in the charter. For a foreign member the document is read with no manual entry, and a check against the police register of controlled persons, sanctions and PEP lists runs before the decision to admit. The register of controlled persons costs 5 ₽, compliance screening 36 ₽.
Yes. Agricultural credit cooperatives are also subject to 115‑FZ, and their register is kept by the Bank of Russia. Besides checking individuals, an agricultural cooperative needs to check members who are farmers, sole traders and companies: the director and the founders by tax number, bankruptcy, commercial court cases, nominee status.
According to the Bank of Russia, some cooperatives artificially inflated loans repaid with maternity capital and showed untypical growth in member numbers. Since February 2025 a cooperative may operate only after being entered in the state register, and the regulator can strike it off without going to court. Checking every member, with a report citing its sources, helps show that the members are real.
Checks against databases and lists start at 5 ₽, compliance screening costs 36 ₽, and a package of 16 checks from a single passport costs 50 ₽. There is no subscription fee. Test access is granted the same day — you can start with the web portal, with no integration.
Tell us how many members you have and how many loans you issue a month — we will put together the right set of checks and give you test access the same day.
Can't put your request into words? Book a call and our team will contact you at a convenient time
Book a callThe company is included in the register of IT companies and the register of personal data operators of the Russian Ministry of Digital Development.
Address: Moscow, Presnenskaya Embankment 12 — Moscow City business centre, Federation Tower. Nearest metro stations: Delovoy Tsentr and Mezhdunarodnaya.
