--- title: Reusable KYC Powered by Live Fraud Intelligence source_page: https://www.sardine.ai/reusable-kyc canonical: https://www.sardine.ai/reusable-kyc format: text/markdown description: Move verified users into new products and partner flows without repeating KYC, with consent and live fraud checks before anything is reused. --- **Quick links:** [Human page](https://www.sardine.ai/reusable-kyc) · [Home](https://www.sardine.ai) · [Customers](https://www.sardine.ai/customers) · [Blog](https://www.sardine.ai/blog) · [Demo](https://www.sardine.ai/demo) --- # Reusable KYC Powered by Live Fraud Intelligence Move verified users into new products and partner flows without repeating KYC, with consent and live fraud checks before anything is reused. ## Reusable KYC powered by live fraud intelligence Move verified users into new products and partner flows without repeating KYC. Sardine captures consent and checks the live session for risk before anything is reused. ## Don’t make good users repeatedly prove themselves - 6.5B+: Devices profiled - 441M+: Consumers screened - 450+: enterprise customers contributing outcome data ### Reuse verified identities across partners with consent Confirm user consent and assess risk with live device and behavioral signals. ### Take control of KYC across your partner network Set verification standards and let partners add checks without compromising your requirements. ### Ask only for what’s missing Reuse existing verification results and request additional information only when needed. ## Expand customer access across partners and products without relaxing risk controls ## Reduce friction when bringing new partners into your ecosystem Partner Onboarding Expand your partner network with fewer operational and contractual hurdles, while giving each partner a way to participate in consent-based identity sharing. ### Integrate on your terms Use Sardine’s platform or integrate directly via API to fit your existing workflows. ### Simplify partner onboarding Use a standard DPA without negotiating a full MSA for every relationship. ### Keep the experience connected Support customer journeys with embedded and redirect-based flows. ## Acquire and retain more customers by reusing verified identities Customer Growth Turn your network of verified users into an acquisition channel while removing friction that can prevent customers from completing onboarding or returning. ### Reduce drop-off at partner handoffs Move customers between approved services without unnecessary identity checks. ### Increase customer lifetime value Make it easier for existing customers to access additional products and services. ### Lower repeat verification costs Avoid paying for checks already completed when verification results meet your requirements. ## Orchestrate verification with full visibility and control Program Oversight Manage identity sharing across partner programs, maintain control over verification requirements, and connect identity outcomes to fraud and AML decisions. ### Set one risk baseline across partners Define minimum verification tiers and step-up requirements. Allow partners to add checks without weakening your standards. ### Audit every identity disclosure Track user consent, shared data, and partner access with a complete audit trail. ### Connect identity to risk decisions Use verification outcomes alongside fraud and AML signals to inform investigations and decisions. ## Expand into new products without repeating KYC Product Expansion Introduce cards, lending, payments, crypto, and other financial services to your existing customer base while accounting for the different risk requirements of each offering. ### Launch customers into new products faster Remove redundant identity collection when existing customers activate another product. ### Match verification to the product Apply product-specific verification tiers and additional checks based on customer risk. ### Combine identity with risk signals Assess device intelligence and behavioral signals to identify risks that existing verification alone may miss. ## Get up and running with reusable KYC Bring Reusable KYC into your existing operations with minimal setup and full control over how verification works. ### Define your KYC requirements and onboarding workflows Set baseline KYC standards, tailor partner workflows, and define when additional checks are needed. ### Capture consent with live fraud intelligence Live device intelligence and behavioral signals help detect fraud and impersonation risks to confirm the right person is giving consent. ### Validate KYC data against your requirements Sardine’s rules engine checks shared identity data against your verification requirements, so you receive only the information you need. ### Step up when needed Automatically fill verification gaps with targeted checks, such as selfies, liveness, or OTP, without restarting KYC. ## Backed by the industry’s leading data platform ### Benefit from cross-client insights Use fraud outcomes, device associations, and behavioral patterns from Sardine’s consortium to make better-informed identity reuse decisions. Data Consortium ### Control when and how KYC gets reused Set baseline verification requirements and configure partner-specific checks through Sardine’s rules engine, with policy control and auditability. Rules & Workflows ### Models that keep getting smarter Continuously improve fraud detection with machine learning models informed by new signals and fraud outcomes across Sardine’s network. Machine Learning ### Prior verification is only as good as what you know now When a verified user returns, Sardine evaluates current device, behavioral, and consortium signals to uncover new fraud risks before reusing their identity. ## Bring more customers onboard without starting KYC over ## Frequently
asked questions ### How does Sardine decide whether a prior verification can be reused? Reuse depends on the user’s consent for the partner and on whether the user’s current tier meets the partner’s requirements. If it does, the partner receives a decision and a tier. If it does not, Sardine triggers a step-up for the missing checks only. ### What data does a partner receive? A status token or a data payload, depending on the scope the partner is approved for. Each retrieval records who received what, when, and under which consent. ### How does consent work when a user reaches a new partner? A verified user reaches a new partner through a consent step. Sardine records the user’s consent for each partner, and a partner can retrieve a verified identity only subject to that consent. ### How does Sardine fit into existing KYC and AML tooling? Sardine runs identity, fraud, and AML screening through one configurable rules engine and returns a decision, a tier, and policy metadata to your app. Verification and consent run embedded or by redirect. ### Does my app handle user PII? For consumer platforms and wallets, no. Sardine holds the verification and your app receives a decision, a tier, and policy metadata. Regulated service providers receive a status token or a data payload, depending on approved scope. ### Can we set different requirements for each partner? Yes. Set tiers, required attributes, and step-up triggers for each partner or program. Reports export by customer or by partner.