Platform

Fin-On

Compliant B2B Onboarding Workflow

A fintech B2B customer onboarding workflow system built for EU AML and Lithuanian regulatory compliance. Fin-On guides every application from an anonymous Wolfsberg CBDDQ form through automated risk scoring, KYC verification, multi-role approval, and a PDF wet-signature close — with a full immutable audit trail.

Compliance
AML
KYC
Onboarding
Fintech

overview

What it is

A B2B fintech onboarding workflow built for an EU/Lithuania-regulated financial institution (EU AML directives, GDPR). It is a bespoke platform for a single institution — not a multi-tenant SaaS and not self-service sign-up. It digitizes customer due-diligence intake: an anonymous Wolfsberg CBDDQ form, parallel registry enrichment (JARS + JADIS), iDenfy KYC for all UBOs and signatories, AML adverse-media and sanctions screening, a rule-based 1–100 risk score, role-based approval routing, and a regulated PDF with wet-signature and account-opening handoff — all behind an immutable 7-year audit trail.

capabilities

Key features

Wolfsberg CBDDQ Application Form

Captures onboarding data through the Wolfsberg CBDDQ V1.4 form — 34 sections and 405 fields.

Parallel Enrichment & KYC

Runs JARS and JADIS enrichment alongside iDenfy KYC verification in parallel.

Rule-Based Risk Scoring

A rule-based 1–100 risk score drives five-level routing of each application.

Four-Eyes CDD Approval

Multi-role CDD checklists enforce four-eyes review before an application is approved.

PDF Wet-Signature Close

Generates the onboarding PDF and closes the file through a wet-signature flow.

Immutable Audit Trail

An immutable audit trail with 7-year retention satisfies EU AML and GDPR obligations.

why it matters

Benefits

No compliance step can be skipped — it is enforced at the API, not just by process.
It is audit-ready at every moment, with immutable before/after logs and 7-year retention.
Risk thresholds and workflow rules are configurable without code.
End-to-end ownership of the data flow, from registry to KYC.
Bilingual EN + LT across every surface.

in practice

Use cases

Onboarding a corporate correspondent-banking counterparty.

A high-risk application routed through dual management-board approval.

A DDO–Checker four-eyes review for an NBFI.

A prohibited (score 100) automatic decision.

A DDO partial data-correction loop.

the story

Problem, approach, outcome

Problem: EU/Lithuania-regulated customer onboarding is complex and easy to get wrong — steps get skipped.
Approach: A digitized Wolfsberg CBDDQ intake with parallel registry enrichment, KYC for every UBO, rule-based risk scoring, and role-based approval.
Outcome: An onboarding workflow where no compliance step can be skipped — bilingual and audit-ready with a 7-year trail.

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Let's talk

Interested in Fin-On, or want to see how it could fit your work? Email is the best way to reach TRAGenX — send us a note and we'll get back to you.

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