Fintech & Payment

Verify users.
Not your liability

AIR Identity helps users monetize KYC data or onboard a specific demographic of users in a streamlined manner.

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See how it works

How It Works

One SDK. Two capabilities. Days to integrate

Monetize member data: choose data, create KYC credentials, and earn in USD8

Monetize Your KYC

Define what to monetize

Pick which verification data becomes a credential (KYC status, accreditation, compliance tier)

Create credentials

One API call when users complete verification

Earn from confirmations

Set your price; collect fees when others confirm compliance

Three-step verification: choose checks, get instant confirmation, and go live with no data stored

Verify Without Running KYC

Choose what you need

KYC status, accreditation, sanctions screening.

Request confirmation

User shares; you get a compliant yes/no answer

Go live

No data stored; meet compliance without the cost

What's Your Goal?

Two problems. Two paths. Start with what matters most

Monetize your KYC investment

You've spent millions on compliance. Now earn from it.

With AIR Identity, you earn every time another financial service confirms something about your verified users. They pay you. They never see the raw data.

This is for you if you:

Run KYC/AML verification

Verify accredited investors

Screen for sanctions and PEPs

Maintain compliance databases

AIR Identity flow: define data to monetize, create KYC credentials, and earn in USD8

Verify user status and qualifications

Streamline compliance costs.

You need to verify users for regulatory requirements. But KYC costs $5–$50 per user, plus ongoing monitoring and data liability. With AIR Identity, accept credentials users already have.

This is for you if you:

Need KYC for regulatory compliance

Require accreditation verification

Want to reduce fraud without friction

Need sanctions screening at lower cost

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Many fintechs do both. Monetize your KYC data AND accept credentials from
partners — one integration covers both.

Important: You remain responsible for determining whether a given credential satisfies its own regulatory requirements in its jurisdiction.

Monetize your KYC Investment

Turn compliance costs into a revenue stream

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The problem

You've invested heavily in KYC infrastructure. Other fintechs, DeFi platforms, and exchanges need to verify the same users, but you can't share data without exposing yourself to regulatory and privacy risks.

You're sitting on value you can't unlock.

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The solution

AIR Identity lets you turn verified compliance data into portable credentials that users own. You issue them once. Users carry them everywhere. When another platform needs to confirm KYC status, they pay you — and cryptographic proofs ensure they never see the underlying data.

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What you get

A new revenue stream

Earn fees every time another platform confirms your user's KYC status

Wider reach

Your compliance becomes valuable across the entire financial ecosystem

No data sharing

Zero-knowledge proofs let others confirm compliance without seeing PII

Simple setup

Issue credentials with a few API calls

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Who's doing this

If you're a

You can monetize

Who pays

KYC Provider

Identity verification, compliance status

DeFi, exchanges, fintechs

Bank

KYC status, account standing, creditworthiness

Lenders, fintechs, platforms

Exchange

Verification tier, trading history

Other exchanges, DeFi protocols

Accreditation Service

Accredited investor status

Investment platforms, funds

Verify users without running KYC

Verify your users —
without the compliance cost

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The problem

Regulators require you to verify users. But running KYC costs $5–$50 per user, takes days to process, and creates ongoing data liability. Every breach risk. Every audit. Every GDPR request.

You just want to be compliant, not a data custodian.

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The solution

AIR Identity lets you accept credentials users already have. They share proof from their bank or a licensed KYC provider. You get a compliant yes/no answer — "User passed KYC" — without touching raw data. No storage.

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What you get

80% lower KYC cost

Accept existing credentials vs. running full verification.

Zero data custody

Confirm eligibility and status without storing PII.

Faster onboarding

Users don't re-verify; they share what they have.

Audit-ready

Cryptographic proof of verification.

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Who's doing this

If you're a

You can confirm

Credentials from

DeFi platform

KYC status, compliance

Banks, KYC providers, exchanges

Exchange

Identity, accreditation

Banks, financial institutions

Lending platform

Identity, creditworthiness

Banks, credit bureaus, employers

Investment platform

Accredited investor status

Accreditation services, banks

Why AIR Identity for Fintech

Built for finance. Designed for compliance

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Privacy by design

Zero-knowledge proofs let you confirm compliance without seeing user data. Users stay in control.

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Join a growing ecosystem

Become part of the Moca Network — instant access to a network of verified users and compliant platforms.

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Audit-ready

Cryptographic proofs provide verifiable compliance records for regulators.

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Compliance ready

Built for GDPR, KYC/AML requirements, and financial regulations. Licensed partners. Privacy-first.

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Payments when you're ready

Start with identity. Add AIR Money for embedded payments and lending.

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Privacy-first architecture

AIR Identity is built for where financial regulations are headed — not just where they are today. Users control their data. Platforms confirm status and qualifications without custody.

Built on

Zero-knowledge proofs for privacy-preserving verification

On-chain credential registry for tamper-proof records

SOC 2 compliant infrastructure

Built with GDPR in mind

Partners

Get Started

Ready to streamline the verification of users?

Whether you want to monetize your KYC investment or achieve compliance at
lower cost — we'll help you get there.

Monetize my KYC

Verify Without Liability

Read the docs

FAQs

Get answers to the most common questions about compliant onboarding and embedded payments with AIR Kit.

How do I know which path is right for me?

If you have KYC data others would pay to confirm (identity verification, accreditation), start with "Monetize Your KYC". If you need to verify users but want to streamline the costs of running KYC, start with "Verify Your Users". Many fintechs do both. Monetization of KYC data is subject to the privacy laws applicable to you.

How does AIR Identity help with my KYC/AML obligations?

Credentials are issued by licensed KYC providers, with cryptographic proofs minimizing data exposure while verifying certain status and qualifications. We recommend consulting your compliance team on how AIR Identity can support your specific requirements.

What is a compliance credential?

A credential is a digital proof of a compliance fact — like "passed KYC" or "accredited investor" or "sanctions cleared." It's created by a licensed provider, owned by the user, and can be confirmed by platforms without sharing underlying documents.

How long does integration take?

Most platforms go live within days. The SDK is modular — start with one capability and expand later.

The Complete Platform

Acquire users faster.
Keep them longer. Turn every action into revenue

The full AIR stack delivers all three — in one integration.

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AIR Identity

Onboard users in seconds

Accept KYC credentials users already have. Verify compliance without running verification yourself. Turn your own KYC investment into a new revenue stream.

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AIR Money

Keep users in your app

Payments and cards — all embedded in your product. Users deposit into self-custodial wallets and spend with branded cards. You earn on every flow.