KYC.bd

MFS operators & agent networks

MFS customer onboarding with NID + liveness in under 3 seconds

Mobile Financial Services (bKash, Nagad, Rocket-tier and next-gen wallets) must satisfy Bangladesh Bank MFS Regulations 2022 and BFIU circulars on CDD. KYC.bd ships the full onboarding stack — NID Wing lookup, liveness, sanctions, audit — behind one endpoint.

Regulatory context

Aligned with Bangladesh Bank · BFIU · BTRC.

  • NID source-of-truth verification (EC/NID Wing)
  • Liveness PAD level 2 (ISO/IEC 30107-3)
  • AML + PEP + sanctions screening at onboarding and periodic re-screen
  • 7-year audit trail with consent proof
  • Agent-assisted flow with tamper-evident record

Integration shape

  1. 1. Consent capture

    Signed consent token via SDK or QR to customer's phone.

  2. 2. NID + selfie

    NID number + selfie posted to /v1/verify/nid — server-side match.

  3. 3. AML + PEP

    Automatic screen against UN, OFAC, EU, BD BFIU lists.

  4. 4. Decision + audit

    Webhook fires with decision, hash, and permanent audit URL.