What is ART (Approval in Real Time)?

A platform that integrates KYC, smart approval and document management into a single end-to-end process.

How is it different from other KYC platforms?

ART builds, operates and maintains the entire process for you, including the decision engine and e-signature, so your team isn't stitching together point solutions.

How long does implementation take?

Typically about 6 weeks, depending on your core processor, without dedicating a technical team to integrate components.

How does it help reduce identity fraud?

OCR, Face Match, liveness detection and OFAC/AML screening, with up to 95% fewer fraud attempts in production deployments.

Does ART support BSA/AML and CIP requirements?

Yes. ART is designed to support your CIP, OFAC screening and recordkeeping, and to generate the audit trail your BSA officer and examiners (NCUA or your state regulator) expect. E-signatures are designed to meet ESIGN Act and UETA requirements.

A scalable, transactional model: you only pay for what you use.

Does ART work for in-person channels or only digital ones?

It works for both: end-to-end digital channels as well as branch or in-person points of sale.

Which sectors does ART work for?

Credit unions, banks, lenders, insurers and retailers, with proven results at top-tier institutions.

EVERY APPLICANT VERIFIED. ONE SMART FLOW. TOTAL CONTROL.

Other identity platforms leave your team to build, integrate and maintain the process. ART configures and runs your complete verification, decisioning and account-opening workflow, so applicants are approved in minutes, not days, without adding headcount.

EVERY FRICTION POINT IN YOUR PROCESS HAS A HIDDEN COST

The KYC market sells you APIs and builders; then you're the one integrating, orchestrating and maintaining them.

Slow, manual processes: Approvals that take days send applicants to the next institution down the street.
Outdated risk assessments: No decision engine or real-time scoring.
Complex compliance: BSA/AML, CIP documentation and exam-ready evidence that's hard to produce on demand.
High upfront cost, slow payback: You pay for the software and for the team that keeps it running.

THREE SOLUTIONS. ONE ECOSYSTEM.

ART integrates identity verification, smart approval and document management into one end-to-end process. Software Factory backed by CMMI Level 5.

ART IDENTITY

Document upload
Data verification against authoritative sources
Liveness detection
OCR & AI
OFAC, AML & sanctions screening
Background Check

ART PRODUCT

Pre-qualification & loan calculator
QR code & shareable-link channels (branch, call center, indirect lending)
Evaluation engine
API integrations
Digital application page
Applicant risk profiling
Business rules
Dynamic offers & cross-sell

ART DIGITAL DOCS

Digital application file
Version control
Tamper-evident sealing
Automatic document generation
Drawn e-signature (captured on screen)
Cryptographic hash
Traceability

ONE PROCESS FOR THE ENTIRE MEMBER AND CUSTOMER LIFECYCLE

From identity capture to signed documents, ART automates every decision and leaves the audit trail your examiners expect.

VERIFY: OCR, Face Match, liveness detection and OFAC/AML screening, optimized with AI.
EVALUATE: The engine applies your rules and scoring to decide in under 10 minutes.
APPROVE: Automatic approval or risk-based referral to an underwriter, with dynamic offers.
SIGN: E-signature designed to meet ESIGN Act and UETA requirements, plus a complete digital application file.
MONITOR: Full traceability: time, geolocation and device for every action.
CUSTOMIZE: Configure your underwriting and risk criteria with no code.

SEE HOW ART AUTOMATES THE ENTIRE DECISION FLOW IN REAL TIME

IF YOU WIN, WE WIN.

PROVEN RESULTS AT BANKS, INSURERS, FINTECHS AND RETAILERS.

FROM DAYS TO MINUTES IN CARD APPROVAL.: A leading bank needed to speed up credit card approval without opening the door to fraud. With ART it automated identity, evaluation and granting.
DOUBLED ITS CUSTOMER BASE WITHOUT GROWING THE TEAM.: A personal lending fintech wanted to scale onboarding without driving up costs. ART's automation made it possible.
FROM 2 DAYS TO 12 MINUTES, WITH A 100% AUTONOMOUS CHANNEL: A global insurer wanted to turn policy sales and approval into a fast, secure and frictionless digital channel. With ART it optimized its sales and approval process.
FROM 2 DAYS TO 10 MINUTES, ISSUING CARDS WITHOUT FRICTION.: A leading retail chain in Mexico needed to issue credit cards at scale without sacrificing security or customer experience. With ART it automated identity, evaluation and granting.

EVERYTHING YOU NEED TO KNOW ABOUT ART

Get answers to the most common questions about implementation, regulatory compliance, operations, security and our business model.

What is ART (Approval in Real Time)?: A platform that integrates KYC, smart approval and document management into a single end-to-end process.
How is it different from other KYC platforms?: ART builds, operates and maintains the entire process for you, including the decision engine and e-signature, so your team isn't stitching together point solutions.
How long does implementation take?: Typically about 6 weeks, depending on your core processor, without dedicating a technical team to integrate components.
How does it help reduce identity fraud?: OCR, Face Match, liveness detection and OFAC/AML screening, with up to 95% fewer fraud attempts in production deployments.
Does ART support BSA/AML and CIP requirements?: Yes. ART is designed to support your CIP, OFAC screening and recordkeeping, and to generate the audit trail your BSA officer and examiners (NCUA or your state regulator) expect. E-signatures are designed to meet ESIGN Act and UETA requirements.
How is ART billed?: A scalable, transactional model: you only pay for what you use.
Does ART work for in-person channels or only digital ones?: It works for both: end-to-end digital channels as well as branch or in-person points of sale.
Which sectors does ART work for?: Credit unions, banks, lenders, insurers and retailers, with proven results at top-tier institutions.

STILL HAVE QUESTIONS?

IF YOU WIN, WE WIN.

READY TO APPROVE MORE APPLICANTS, FASTER?

Book a demo and we'll show you, with your own use case, how to approve in minutes with an exam-ready audit trail.

We'll get back to you within one business day.