UpPass eKYB and eKYC Onboarding Platform

UpPass is a Thailand-based identity and compliance platform operated by Collective Wisdom Co., Ltd., founded in 2018 and backed by Wavemaker. It positions itself as an end-to-end onboarding and verification platform for Southeast Asia, combining eKYC for individuals with eKYB for businesses, and states it has performed over 10 million verifications.

For individuals, personalized eKYC flows use OCR tuned for non-Roman scripts, checks against local identity datasets, connections to fraud intelligence services, attempt tracking and adaptive friction that requests extra documents only when risk logic signals a need. For businesses, eKYB pulls data from regional business registries, identifies ultimate beneficial owners, screens them against AML and sanctions lists, validates uploaded documents in 100+ languages and runs scheduled re-KYB and continuous monitoring. A no-code verification builder, decision workflow engine and APIs with 1,900+ integrations tie the steps together.

• Personalized eKYC: OCR for non-Roman scripts, local identity data checks and adaptive friction.
• eKYB: regional business registry data with document validation in 100+ languages.
• UBO and AML screening: identifies beneficial owners and screens against AML and sanctions lists.
• Continuous monitoring: scheduled re-KYB and monitoring of companies, directors and UBOs.
• No-code builder: prebuilt templates and drag-and-drop verification flows.
• Decision workflow and APIs: automated risk decisions and 1,900+ integrations.

Vietnamese payment gateways and remittance firms can onboard merchants and corporate clients with registry checks, UBO identification and AML screening. Digital lenders and supply chain finance platforms can verify SME borrowers and their directors in days rather than weeks. Telecom operators can run consumer eKYC for SIM registration with adaptive friction to cut fraud while keeping activation fast.

UpPass claims onboarding up to 5x faster and says business onboarding can be cut from weeks to days. Adaptive friction keeps low-risk users on a short flow while asking risky applicants for more proof, balancing conversion and compliance. ISO 27001 certification by BSI and iBeta Level 2 presentation attack detection give regulated firms assurance, and no-code flows let compliance teams change rules without engineering work.

Southeast Asian regulators are tightening AML and beneficial ownership rules, and cross-border payment, lending and B2B platforms need to verify businesses as quickly as consumers. Vietnam's new requirements on beneficial ownership disclosure and the growth of digital SME lending and payment services create demand for automated eKYB alongside biometric eKYC.

Operated by Collective Wisdom Co., Ltd.; founded in 2018 with Thailand as its primary country of business. Invested and sponsored by Wavemaker. ISO/IEC 27001 certified by BSI (certificate IS773635); iBeta Level 2 ISO 30107-3. Displays GDPR, PDPA, CSA and PCI badges. Exhibited at Singapore FinTech Festival 2025.