Financial services: banking
Banks and credit unions use Vouched to open accounts fully online, re-prove customers when risk rises, and govern the AI agents that now move money for them. One platform, from the first ID check to the last wire.
Trusted by banks and credit unions
Customer proof: Oriental Bank
Oriental Bank set out to become a digital-first bank in Puerto Rico. With Vouched, it completes CIP online for new-to-bank customers, on the island and abroad.
Completion
91%Completion rate for ID verification
Digital share
~30%Of new accounts opened digitally, up from low single digits
Volume
4,500+Verifications a month
Peak
7,000+Verifications in a peak month
Vouched made it possible for us to open fully digital accounts for new customers, a capability we simply did not have before.
Use cases
Verify establishes who a customer is. Assure proves it’s still them when risk rises. Know Your Agent extends that trust to the AI agents acting for them.
Complete CIP for new-to-bank customers fully online: a digital or government-issued ID matched to a live selfie, with data checks and AML screening before the account opens.
completion rate for ID verification at Oriental Bank, which now opens nearly 30% of new accounts digitally.
Source: Oriental Bank case studyVerify applicants at the point of application, with SSN verification through SSA eCBSV and fraud checks behind every decision.
faster loan origination processing at Bankers Healthcare Group.
Source: BHG case studyScreen customers against sanctions lists, watchlists, politically exposed persons and adverse media at onboarding, and keep monitoring afterwards.
sanctions lists, plus 1,000+ watchlists across 240+ jurisdictions, rescreened daily.
Source: Vouched AML screeningLet customers who lose a phone or forget a password re-prove who they are with a live selfie, instead of calling a help desk that can be talked around.
lost to account takeover in 2025, the costliest type of identity fraud, affecting 6 million consumers, up 18% from 2024.
Source: Javelin 2026 Identity Fraud StudyConfirm wires, new payees and changes to contact or bank details with a live selfie matched to the customer’s enrolled identity, not a one-time code.
awarded to a customer after a SIM swap let attackers take over the codes sent to his phone and steal about $38M.
Source: SecurityWeek, March 2025See which AI agents reach your online banking and money-movement flows, and let verified ones act only within the scopes a customer granted.
growth in AI agent traffic in 30 days across Know Your Agent: Detect customers.
Source: Know Your Agent: Detect, June 2026Every agent payment carries a delegation from the verified customer it acts for, with scopes, limits and an audit trail you can show an examiner.
Compliance
Identity is a regulated control in banking. Every decision comes with an audit trail your examiners can follow.
Visit the Trust CenterFAQ
Straight answers about KYC, account security and AI agents for banks and credit unions.
Contact us with a questionVouched verifies a customer’s identity at account opening with a digital or government-issued ID matched to a live selfie, checks their personal data, and screens them for AML risk. Oriental Bank uses Vouched to complete Customer Identification Program (CIP) verification fully online for new-to-bank customers.
Yes. Oriental Bank launched fully digital account opening with Vouched, including for new-to-bank customers outside Puerto Rico. Nearly 30% of its new accounts are now opened digitally, up from low single digits.
At Oriental Bank, 91% of applicants who begin Vouched verification complete it, across more than 4,500 verifications a month and peaks above 7,000.
Yes. Vouched validates 4- or 9-digit SSNs, and financial institutions can verify full SSNs against Social Security Administration records through SSA eCBSV.
Yes. Vouched screens customers against 140+ sanctions lists and 1,000+ watchlists across 240+ jurisdictions, including OFAC, UN, EU and UK programs, plus politically exposed persons and adverse media, with ongoing monitoring.
With Vouched Assure, customers re-prove their identity with a live selfie matched to the identity they enrolled with, instead of a help desk call or a code sent to a phone they may have lost. Help desk resets are the most socially engineered route into an account.
Vouched Assure adds a biometric step-up at the moments your rules flag, such as a wire to a new payee or a change to contact or bank details. One-time codes can be intercepted through SIM swaps; a live selfie matched to the enrolled customer can’t.
Know Your Agent detects AI agents in online banking, enforces what each may do, and ties every agent action to the verified customer who authorized it, with scopes, limits and an audit trail.
Yes. Vouched checks a digital ID such as a mobile driver’s license first, and falls back to a government-issued ID when there isn’t one, always matched to a live selfie. Oriental Bank is exploring mobile IDs, as Puerto Rico leads in mobile identity adoption.
Yes. Credit unions use Vouched for member onboarding, recovery and step-up, alongside banks and fintechs.
Yes. Your colors, fonts, copy and images replace ours on every screen, in 15 built-in languages.
