Step 1
Documents with no manual entry
The passport of the client or the legal successor, the certificates and the handwritten application are read from a photo or a scan. The document is checked for forgery and traces of editing.
Client and legal successor checks for private pension funds
Long-term savings contracts, transfers of pension savings and payouts to legal successors — on a single platform. We turn passports, certificates and handwritten applications into data, check the passport, the social insurance number and the tax number against state databases, and screen the client against watchlists, sanctions and PEP lists.
Passport Social insurance no. Tax number Certificates Applications
Data stored in Russia · Russian software registry no. 19972 · 115‑FZ and 152‑FZ
What the law requires of a pension fund
Private pension funds are subject to 115‑FZ. Below are the duties that bear directly on signing a contract, transferring savings and making payouts.
NeuroVision supplies the data for checking the client and the documents. Identification through the state services portal, the Unified Biometric System or an electronic signature, decisions on the contract and the payout, freezing funds and reporting to Rosfinmonitoring are the fund's own job.
- About simplified identification
The fund's clients
115‑FZ, art. 7 — pension funds are among the organisations listed in article 5.
Before taking the customer on
- Identify the client, their representative and the beneficiary (art. 7)
Simplified identification
- When a contract with a pension fund is signed — allowed for an individual if the conditions are met (art. 7, cl. 1.11)
- The client's details are confirmed through state information systems or the state services portal — the name, the passport, the social insurance number or the tax number (cl. 1.12–1.13)
Updating the records
- Once a year, or once every 3 years at low risk
- More about the Unified Biometric System
A contract without an office visit
75‑FZ and 124‑FZ — a long-term savings contract online.
From 01.10.2025 · 124‑FZ
- A long-term savings contract — electronically through the state services portal
- The saver's signature — qualified or unqualified, issued within the state services infrastructure (75‑FZ, art. 36.39)
With no personal presence
- Identification — through the state services portal and the Unified Biometric System (art. 7, cl. 5.8, 572‑FZ)
An agent bank
- The fund may delegate identification to a bank under contract (art. 7, cl. 1.5-9)
- Watchlist screening
Watchlists, payouts and legal successors
115‑FZ — watchlists, politically exposed persons and payouts to third parties.
Watchlists
- Screen the client against the Rosfinmonitoring watchlists — on intake and when the details are updated
- Freeze the funds under the national list and the Commission's decisions — within 24 hours of publication
Politically exposed persons
- A foreign politically exposed person — only by a written decision of management
Payouts
- A beneficiary under a contract in favour of a third party must be identified before the payout (art. 7, cl. 1.4-8)
- A legal successor must apply for the savings within 6 months of the date of death
Six tasks for a pension fund
The long-term savings programme has brought funds a flow of clients who never visit an office, and with it transfers of savings and payouts to heirs. Here are the tasks funds solve with NeuroVision checks.
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A long-term savings contract without an office visit
The client photographs their passport — the data is read with no manual entry. The passport, the social insurance number and the tax number are checked against state databases, and the client against watchlists and sanctions. Identity is confirmed by your own procedure: the state services portal, an electronic signature or an agent bank.
Learn moreMost often enabled:
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A transfer of pension savings
Before you accept an application to transfer savings into the fund, check that the passport is valid, that the social insurance number belongs to that person and that the phone number is theirs and not an intermediary's.
Learn moreMost often enabled:
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Payouts to legal successors
The successor's passport, the certificates and the payout application are turned into data to the template of your forms. The successor is screened against watchlists and sanctions before the payout.
Learn moreMost often enabled:
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Handwritten applications
Applications filled in by hand at the office or at an agent's — turned into data with no retyping. Every field comes with a confidence score; doubtful fields go to an employee.
Learn moreMost often enabled:
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Watchlists, sanctions and PEP
The Rosfinmonitoring watchlist is mandatory under 115‑FZ. Sanctions lists and PEP screening — for large contributions and clients with foreign citizenship. In a single API request.
Learn moreMost often enabled:
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Protecting savings from fraudsters
Forged and edited documents, screen photos, phone numbers that belong to someone else or were bought yesterday — all caught before the fund accepts a transfer or payout application.
Learn moreMost often enabled:
The state services portal and the biometric system confirm identity — NeuroVision checks the client and the documents
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The state services portal, the biometric system and an electronic signature — who is in front of you
When a contract is signed remotely, identity is confirmed by state systems: a state services portal account, the Unified Biometric System, an electronic signature certificate. We do not replace that step.
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NeuroVision tells you whether you can do business with them
Whether the passport is valid, whether the social insurance number and the phone number belong to that person, whether they are on a watchlist or under sanctions, whether they are a politically exposed person, whether the document shows signs of forgery. The fund uses the results in its own procedure.
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Where the state services portal is not involved
Legal successors with certificates and handwritten applications, the office and the agent bank, updating client details once a year or once every 3 years.
The order of identification is set by the law and your own procedure.
NeuroVision provides the checks for every step.
How a client and a legal successor are checked
The checks are built into the fund's client portal, its website or the agent bank's system and return an answer before the fund accepts the application.
Step 2
The checks in a single request
Passport validity, the social insurance number, the tax number, the phone number, the Rosfinmonitoring watchlist, sanctions and PEP screening — only what your procedure requires.
Step 3
The decision stays with the fund
For every check — the result, the source and the date, in JSON. The fund's rules accept the application, ask for documents or send it to a manual review.
Products and checks for pension funds
Every check is enabled separately and you pay for the requests performed. Descriptions, sources and response fields are in the API check catalogue.
Documents of the client and the legal successor
Recognition and checks against state databases.
- KYC · OCR
Recognition of passports and documents from 195+ countries and territories
Russian passports, travel passports and documents from 195+ countries and territories — turned into data with no manual entry, with the MRZ matched against the visual zone.
- ICR
Handwritten application recognition
Applications and forms filled in by hand in block letters — turned into fields, each with a confidence score.
- Police · SMEV
Validity of a Russian passport
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 more - Social Fund · SMEV
Validating the social insurance number
Checking 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 more - Federal Tax Service
Retrieving the tax number
Determining the tax number from the passport data. It unlocks the checks that need precise identification of the person — with no namesakes.
5 ₽ / check
Learn more - Police
The police register of controlled persons
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 more
AML/CFT and sanctions risk
Mandatory watchlists and risk assessment against foreign lists.
- Rosfinmonitoring
The list of terrorists and extremists
Screening against the list of people involved in extremist activity or terrorism. A mandatory check under 115-FZ.
5 ₽ / check
Learn more - OFAC · EU · UK · UN
International sanctions lists
Screening 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 more - An international database
Compliance screening: PEP, sanctions, adverse media
International 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 more - Ministry of Justice
The foreign agents register
A check against the Russian Ministry of Justice's foreign agents register. Its entries carry a date of birth and a tax number, so a match can be verified.
5 ₽ / check
Learn more
Forgeries and other people's numbers
Protecting savings before an application is accepted.
- 40+ checks
Document anti-fraud
40+ checks: security features, traces of a graphics editor, splices and screen photos.
- Telecom operators
The number belongs to the person
Confirmation that the phone number is linked to the customer's name. A yes/no answer.
5 ₽ / check
Learn more - Telecom operators
The number's age
How long the subscriber has used the number: from «less than three months» to «more than five years». Freshly bought numbers are a risk factor.
5 ₽ / check
Learn more - Telecom operators
The number's activity
Whether the number is currently serviced by an operator.
5 ₽ / check
Learn more
What the checks cost a fund
Checks against databases and lists have a fixed price per request, with no subscription fee. Document and handwritten application recognition and anti-fraud are priced for your flow of contracts and applications.
- Configure a set
Individual checks
5 ₽ per check
Passport validity, the social insurance number, the tax number, the Rosfinmonitoring watchlist and sanctions — individually.
- Most popular choiceEnable the package
The «16 in 1» basic package
50 ₽ per package (3.125 ₽ per check)
16 key checks from a single passport, including the Rosfinmonitoring list and sanctions. Bought separately they cost 80 ₽.
- Enable
International compliance screening
36 ₽ per check
PEP screening, sanctions lists from more than 50 countries, regulatory actions and adverse media — for large contributions and clients with foreign citizenship.
Document and handwritten application recognition, anti-fraud, phone number checks and transaction monitoring (KYT) are priced separately — we will quote for your volume.
Integration: the API, a widget or the fund's own perimeter
The checks are built into the client portal, online contract signing and the payout system through the API. For funds with their own perimeter there is an installation inside the fund's infrastructure.
- JSON and webhooks
- A cloud in Russia
- On-premises
- 152‑FZ and 242‑FZ
Test access on the day you ask for it.
Payment for the checks performed, with 24/7 support.
Read also
Simplified identification, the biometric system and document checks — on our blog.
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Anti-Fraud in Document Verification: How to Detect Forgeries and Traces of Editing
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Repeat KYC: how to conduct re-identification without losing customers
Frequently asked questions about client checks at a pension fund
Yes. Private pension funds are among the organisations listed in article 5 of the law. When a contract with the fund is signed, the law allows simplified identification of an individual if the transaction raises no suspicion and the client is not on a watchlist.
No. Identity is confirmed by the state services portal, the Unified Biometric System or an electronic signature, and the identification procedure is run by the fund or by the bank it has delegated it to. NeuroVision checks the client and the documents: the passport, the social insurance number and the tax number against state databases, plus watchlists, sanctions, PEP screening and signs of forgery.
Since 1 October 2025 the contract can be signed through the state services portal with a qualified or unqualified electronic signature issued within the portal's infrastructure. On the fund's own website the contract is signed under the fund's procedure. In both cases NeuroVision checks are built in before or after signing.
The name, the passport details and one of the numbers — the social insurance number, the tax number or a compulsory health insurance policy — confirmed through state systems. At NeuroVision, passport validity, validating the social insurance number and retrieving the tax number cost 5 ₽ each per check.
Read their passport, the certificates and the payout application, then check passport validity, the watchlists and sanctions. A legal successor applies for the savings within six months of the participant's death; the fund checks the documents before deciding on the payout.
Yes. The best results come from fields filled in block letters inside boxes or on the lines of the form. For every field the service returns a confidence score, and doubtful fields can be sent to an employee. Cursive handwriting — on request, on your own samples. More about handwritten applications.
Check the documents and the contacts before accepting the application: 40+ anti-fraud document checks find traces of editing and screen photos, passport validity is confirmed with the police, and a phone number check shows whether the number belongs to the client and how long it has been in use.
In the NeuroVision cloud in Russia or inside the fund's infrastructure with an on-premises installation. 152‑FZ and 242‑FZ.
Checks against databases and lists start at 5 ₽, compliance screening costs 36 ₽, and a package of 16 checks costs 50 ₽. Document and handwritten application recognition and anti-fraud are priced on request. Test access is granted the same day.
We will put together the right checks for your fund
Tell us how many contracts and payout applications you process each month and how you sign contracts remotely today — we will put together the right 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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