Founder-Side KYC Document Vault That Submits Verified Identity And Company Papers To Multiple Banks And Payment Processors At Once

saas real project •• multiple requests

Every time a founder opens a business bank account or a payment gateway they redo the same KYC from scratch: same passport, incorporation docs, proof of address, ownership chart, hours per institution. Identity-verification vendors are all sold to the banks, not to the founder, so there's no personal vault that holds verified documents once and dispatches them. The opportunity is a founder-facing onboarding profile that pre-fills and packages KYC/KYB submissions across many institutions.

builder note

Banks won't accept a third party's 'verified' stamp, each runs its own check. So the product isn't verification, it's a structured document vault plus form-fill automation: store the canonical packet once, then pre-fill and pre-package each institution's specific intake. Sell time saved, not compliance.

landscape (4 existing solutions)

KYC tooling is built for the verifier, not the verified; a founder opening five accounts still assembles the same packet five separate times.

Sumsub Offers 'reusable' identity, but it is institution-side: reuse only works across platforms that already integrate Sumsub, and the founder neither owns nor controls the vault.

Persona / Middesk / Alloy B2B KYC/KYB infrastructure sold to financial institutions; there is no founder-facing product that a customer assembles and controls.

Stripe Identity Verifies identity for Stripe's own onboarding only; nothing portable to a separate bank or processor.

Mercury / Brex Streamline KYC for their own account opening, but the verified packet does not travel to any other institution.

sources (1)

producthunt https://www.producthunt.com/p/producthunt/steal-this-idea-wh... "upload all my documents once, then it gets sent to all institutions automatically" 2025-06-15

fintechkycfoundersbankingautomation