KYA / KYB / KYC
On-chain identity verification across the production stack — Know Your Asset, Know Your Business, Know Your Customer — anchored to W3C Verifiable Credentials via Accumulate ADIs.
Three-Layer Verification
MicroPay's identity layer unifies KYA, KYB, and KYC into a single compliance stack. Each credential is issued as a W3C Verifiable Credential and anchored to an Accumulate Digital Identity (ADI) — giving every asset, entity, and individual a cryptographically verifiable identity that travels with every transaction.
Unlike siloed compliance tools bolted on after the fact, MicroPay weaves identity into the protocol layer. Every payment is gated on credential validity, and every credential is continuously monitored against updated watchlists, sanctions data, and beneficial ownership registries.
W3C Verifiable Credentials on Accumulate ADIs provide tamper-evident, portable identity that satisfies regulatory requirements across jurisdictions without re-verification at every touchpoint.
How It Works
- Document upload & liveness check
- Entity verification via OpenCorporates — 140+ jurisdictions
- Business license & registration validation
- OFAC sanctions screening & PEP checks
- Credential issuance anchored to Accumulate ADI
- Continuous monitoring & automatic re-verification
KYA — Know Your Asset
Asset-level verification for commercial real estate, construction collateral, and tokenized instruments. Built on the VDCO Model — the "Carfax for CRE" — every asset receives a verified, on-chain data dossier before it can be used in settlement.
- Title & lien verification
- Valuation credentialing
- Compliance status anchoring
KYB — Know Your Business
Entity-level verification for contractors, subcontractors, developers, and financial institutions. Coverage spans 140+ jurisdictions via OpenCorporates, with officer records, UBO disclosure, and license validation built in.
- 140+ jurisdiction coverage
- Officer & UBO records
- License & registration check
KYC — Know Your Customer
Individual identity verification meeting FinCEN Customer Identification Program (CIP) requirements. Biometric liveness checks, government ID validation, sanctions screening, PEP checks, and adverse media monitoring — all tied to an ADI credential.
- Biometrics & liveness detection
- Sanctions & PEP screening
- FinCEN CIP compliance