USE CASE

KYC/AML-compliant Customer Onboarding

From self-declaration to qualified electronic signatures, rely on our seamless onboarding solution for new customers. 100% digital and AML-compliant.

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REGULATIONS Legally Compliant Digital Onboarding: From AML Checks to Electronic Signatures

The AMLA requires financial intermediaries to identify all contractual partners and meet documentation and retention obligations, enforced by FINMA (Switzerland), BaFin (Germany), and FMA (Austria). MiCA extends similar requirements to crypto service providers across Europe, meaning digital onboarding must always be legally compliant, traceable, and verifiable. Beyond AML checks, a legally binding electronic signature is often required for contracts, account openings, and loan agreements.

GOAL Efficient onboarding through speed, simplicity and security

User-friendly solutions that eliminate media discontinuity increase conversion rates, reduce abandonment rates, and ensure a positive user experience for your customers. To increase your conversion rate and turn prospects into loyal customers, you need a solution that is intuitive and easy to navigate.

Reliable identity verification as the most important factor

The base for every onboarding process is the identity verification. However, AML-compliant onboarding requirements differ by country, and auto-identification alone is never enough. Collecting a customer's address is mandatory in all three countries, but only Switzerland requires verification — unless a QES is created. Germany and Austria only require address verification for high-risk cases or business relationships (per Section 15 GwG).

Procedure

Germany (§ 11 + § 12 GwG, BaFin- circular)

Austria (§6 FM-GwG, FMA-circular)

Switzerland (Art 3 GwG, circular FINMA-RS 2016/7)

MiCA (Regulation 2023/1114 of the EU parliament a. council)

Auto-Ident (PXL Ident)

Not permitted alone

Permitted in combination with address validation + first transaction (or NFC)

Permitted in combination with address validation + first transaction (or NFC); combination dependent on investment requirements

NFC Ident

Only in combination with eID

Permitted (with address in Switzerland)

Permitted in combination with address validation + initial transaction; combination dependent on investment requirements

QES (PXL Sign)

Permitted in combination with initial transaction

Permitted

Video-Ident

Permitted with qualified staff

On site with ID

Permitted

Procedure

Germany (§ 11 + § 12 GwG, BaFin- circular)

Austria (§6 FM-GwG, FMA-circular)

Switzerland (Art 3 GwG, circular FINMA-RS 2016/7)

MiCA (Regulation 2023/1114 of the EU parliament a. council)

Auto-Ident (PXL Ident)

Not permitted alone

Permitted in combination with address validation + first transaction (or NFC)

Permitted in combination with address validation + first transaction (or NFC); combination dependent on investment requirements

NFC Ident

Only in combination with eID

Permitted (with address in Switzerland)

Permitted in combination with address validation + initial transaction; combination dependent on investment requirements

QES (PXL Sign)

Permitted in combination with initial transaction

Permitted

Video-Ident

Permitted with qualified staff

On site with ID

Permitted

Procedure

Germany (§ 11 + § 12 GwG, BaFin- circular)

Austria (§6 FM-GwG, FMA-circular)

Switzerland (Art 3 GwG, circular FINMA-RS 2016/7)

MiCA (Regulation 2023/1114 of the EU parliament a. council)

Auto-Ident (PXL Ident)

Not permitted alone

Permitted in combination with address validation + first transaction (or NFC)

Permitted in combination with address validation + first transaction (or NFC); combination dependent on investment requirements

NFC Ident

Only in combination with eID

Permitted (with address in Switzerland)

Permitted in combination with address validation + initial transaction; combination dependent on investment requirements

QES (PXL Sign)

Permitted in combination with initial transaction

Permitted

Video-Ident

Permitted with qualified staff

On site with ID

Permitted

Procedure

Germany (§ 11 + § 12 GwG, BaFin- circular)

Austria (§6 FM-GwG, FMA-circular)

Switzerland (Art 3 GwG, circular FINMA-RS 2016/7)

MiCA (Regulation 2023/1114 of the EU parliament a. council)

Auto-Ident (PXL Ident)

Not permitted alone

Permitted in combination with address validation + first transaction (or NFC)

Permitted in combination with address validation + first transaction (or NFC); combination dependent on investment requirements

NFC Ident

Only in combination with eID

Permitted (with address in Switzerland)

Permitted in combination with address validation + initial transaction; combination dependent on investment requirements

QES (PXL Sign)

Permitted in combination with initial transaction

Permitted

Video-Ident

Permitted with qualified staff

On site with ID

Permitted

Procedure

Germany (§ 11 + § 12 GwG, BaFin- circular)

Austria (§6 FM-GwG, FMA-circular)

Switzerland (Art 3 GwG, circular FINMA-RS 2016/7)

MiCA (Regulation 2023/1114 of the EU parliament a. council)

Auto-Ident (PXL Ident)

Not permitted alone

Permitted in combination with address validation + first transaction (or NFC)

Permitted in combination with address validation + first transaction (or NFC); combination dependent on investment requirements

NFC Ident

Only in combination with eID

Permitted (with address in Switzerland)

Permitted in combination with address validation + initial transaction; combination dependent on investment requirements

QES (PXL Sign)

Permitted in combination with initial transaction

Permitted

Video-Ident

Permitted with qualified staff

On site with ID

Permitted

SOLUTION AML-compliant customer onboarding with PXL GwG Ident

Banks and financial service providers are obligated to carry out legitimacy checks for any natural or legal entity within the framework of compliance regulations and regulatory requirements (GDPR, PSD2, BCBS 239 and 5th EU Anti-Money Laundering Directive).

Failure to comply with identity verification can result in customers committing (chargeback) fraud and money laundering. In addition, ignoring money laundering,KYC (Know Your Customer)and AML (Anti-Money Laundering) guidelines is a serious violation of legal requirements.

The only way to protect yourself against financial damage and legal consequences, while still maintaining the trust of your customers, is to comply with these regulations and carefully check all potential clients.

Fully digital, zero friction: 100% web-based — no app, no video call, no agent. Just a link.
AMLA-compliant by design: Built to meet Swiss regulatory requirements out of the box.
Deepfake-proof: AI-powered deepfake detection keeps every onboarding session secure.
Audit-ready from day one: Every session produces a signed, tamper-proof data package for full regulatory traceability.
Your brand, your rules: Deploy with no branding, your logo, or a fully white-labelled experience.
Always on — onboarding in under 3 minutes: Available 24/7, 365 days a year. No queues, no wait times.
Fast to integrate, built to scale: Drop-in setup designed for high-volume B2C flows.
Works anywhere you need it: PoS and remote onboarding across banking, insurance, leasing, credit, and digital platforms.

More about PXL GwG Ident (for AML)

Digital efficiency meets regulatory security

PXL GwG Ident (for AML) guarantees QES-level identity verification in accordance with ZertES. This enables you to create a seamless and efficient onboarding process that complies with all relevant legal requirements, including KYC/AML identity verification and electronic signatures. This makes your digital onboarding process customer-friendly, future-proof and legally compliant.

FAQs on our AML solution

What does ‘AML-compliant’ onboarding mean in practice?

AML-compliant onboarding ensures that a customer's identity is established clearly and verifiably in accordance with the Money Laundering Act requirements, for example through suitable identification procedures. This is particularly important in regulated industries such as finance, insurance, and real estate.

Is simple identification sufficient for legally compliant onboarding in accordance with the AML?

Not always. In many cases, such as when concluding contracts or opening accounts, a legally valid declaration of intent is required in addition to identification. This can only be done completely digitally and in a legally binding manner with a qualified electronic signature (QES).

What role does the qualified electronic signature (QES) play?

The QES is the digital equivalent of a handwritten signature; it has the same legal status and is particularly secure. In AML-compliant onboarding, it serves to confirm that the customer consciously agrees to a transaction or contract.

For which companies is AML-compliant onboarding particularly relevant?

Especially for banks, fintech companies, insurance companies, leasing companies, property management companies and telecommunications providers, i.e. anywhere where risky transactions, contracts or legal due diligence obligations are involved.

How does AML-compliant customer onboarding work?

The process begins with the clear identification of the customer, for example via AutoIdent in combination with eID, NFC or VideoIdent. Depending on the application, a qualified electronic signature (QES) is also used. This ensures that the onboarding process is not only AML-compliant, but also legally binding and auditable.

What are the advantages of digital onboarding in accordance with AML standards?

Companies benefit from a seamless, fast and user-friendly process. Digital AML-compliant onboarding solutions reduce dropout rates, increase conversion rates and meet all regulatory requirements at the same time – a clear competitive advantage.

KYC/AML-compliant Customer Onboarding

REGULATIONS Legally Compliant Digital Onboarding: From AML Checks to Electronic Signatures

GOAL Efficient onboarding through speed, simplicity and security

Reliable identity verification as the most important factor

SOLUTION AML-compliant customer onboarding with PXL GwG Ident

Digital efficiency meets regulatory security

FAQs on our AML solution

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Customer onboarding for insurance companies

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KYC use case: understanding & benefits

One solution for many use cases: Increase your conversion rate and reduce your costs with a KYC process that works seamlessly and complies with legal requirements.

Are you looking for an efficient identification solution for AML-compliant customer onboarding?

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KYC/AML-compliant Customer Onboarding

REGULATIONS Legally Compliant Digital Onboarding: From AML Checks to Electronic Signatures

GOAL Efficient onboarding through speed, simplicity and security

Reliable identity verification as the most important factor

SOLUTION AML-compliant customer onboarding with PXL GwG Ident

Digital efficiency meets regulatory security

FAQs on our AML solution

READ MORE Customer onboarding in various industries

Customer onboarding in the online gambling sector With our fully automated, GlüStV-compliant online gambling verification, you can check and verify the eligibility and age of your players in less than 30 seconds.

Customer onboarding for insurance companies Simple and fast customer verification in the insurance industry. With the solution from PXL Vision, insurance companies increase the conversions of their online customer portal onboarding.

KYC use case: understanding & benefits One solution for many use cases: Increase your conversion rate and reduce your costs with a KYC process that works seamlessly and complies with legal requirements.

Are you looking for an efficient identification solution for AML-compliant customer onboarding?

Customer onboarding in the online gambling sector

With our fully automated, GlüStV-compliant online gambling verification, you can check and verify the eligibility and age of your players in less than 30 seconds.

Customer onboarding for insurance companies

Simple and fast customer verification in the insurance industry. With the solution from PXL Vision, insurance companies increase the conversions of their online customer portal onboarding.

KYC use case: understanding & benefits

One solution for many use cases: Increase your conversion rate and reduce your costs with a KYC process that works seamlessly and complies with legal requirements.