Verify · KYC
Real person, or a good forgery? Palm knows the difference.
Identity, sanctions, and fraud signals on the people behind the business, all in one call.
Synthetic-identity scoring
OFAC / PEP / adverse media
Per-field match · velocity
Why Palm
Read the people the way you read the business.
Palm matches name, date of birth, SSN, and address against authoritative sources, field by field. It scores the likelihood of a fabricated identity and shows how often an SSN, email, phone, or address has appeared across recent verifications. Every person is screened against OFAC sanctions, PEP, and adverse media.
Matched, per field.
Name, date of birth, SSN, and address checked against authoritative sources, each returned as its own result. Not a single pass or fail.
Synthetic and reused, caught.
A 0-to-100 score on fabricated identities, plus how often an SSN, email, phone, or address has appeared across recent verifications.
Screened, without the noise.
OFAC, PEP, and adverse media. Name-only PEP and adverse-media hits return as potential matches and do not inflate the risk level.
What is included
Four checks on every person. One response.
Identity match, synthetic-identity detection, velocity signals, and watchlist screening returned together, each field-level with a risk rating and score.
Identity Match
Each field is checked independently, so you get granular results: you'll know if the name matched but the address didn't.
View documentationSynthetic Identity Detect
These identities pass basic checks because some of the data is real. Palm stops them.
View documentationWatchlist
OFAC, PEP databases, and adverse media. Screened in the same call to keep you protected.
View documentationVelocity Screen
Velocity checks catch patterns that point-in-time checks miss, including application fraud rings and credit stacking (rapidly applying for credit across multiple lenders).
View documentationHow it works
From a person to a decision. Without a handoff.
Pass a person to one endpoint. Palm matches, scores, and screens, then returns a decision-ready result.
Match the identity
Name, date of birth, SSN, and address are matched against authoritative sources and returned per field, match, partial match, or no match.
See it in action
Score for synthetic and velocity
A 0-to-100 confidence score on fabricated identities, plus how often the SSN, email, phone, or address has appeared across recent verifications.
See it in action
Screen against the watchlists
OFAC sanctions, PEP, and adverse media. Name-only PEP and adverse-media hits return as potential matches and do not inflate the risk level.
See it in action
Act on a clear result
Field-level match, a risk level, and the reasons behind it, structured so your decision engine acts without a manual review queue.
See it in action
Built for
If you take on risk, you verify.
Banks / FIs
Verify the people behind the account.
Confirm the applicant and the beneficial owners before you open the account or approve the processor.
Alternative Lenders
Catch synthetic identities before you fund.
Score every applicant for fabricated identities and reused SSNs before the loan is underwritten.
Embedded Finance / BaaS
Embed once. Every partner inherits it.
Embed Palm once and every downstream fintech inherits Palm KYC, screened from the source.
Insurance
Verify the insured before you bind.
Confirm the people on the policy and screen them against OFAC, PEP, and adverse media before you bind.
Marketplaces
Verify sellers at onboarding.
Confirm each seller is a real, unflagged person before they transact. One call per onboarding.
Payroll
Verify before you run payroll.
Confirm the people behind a new payroll setup and screen for synthetic identities and reused SSNs.
Pricing
Usage based.
Free to start.
Bundle KYC into a Verify a Business call to check the business and the people in one request.
KYC
Billing
Verify a Person
Identity match, synthetic identity, velocity, and OFAC, PEP, and adverse media.
Verify a Business
Run KYC on the people in the same call as the KYB check.
Verify a TIN
Match an SSN or EIN against IRS records. Built for volume.
Get started
Verify the people behind the business.
Run a person check free. 100 calls, no contract.