What is KYC?
Know Your Customer (KYC) is the process of collecting and verifying who a customer is—typically name, date of birth, nationality, and evidence of identity or address—before or while you open an account.
KYC vs AML screening
KYC answers “who is this person or company?” AML screening answers “do they appear on sanctions, PEP, or other watchlists?” You need both. A perfect ID scan can still be a sanctioned party. A clean screen without identity evidence is incomplete due diligence.
Where Naiza sits in a KYC flow
Naiza is not a document OCR or selfie KYC vendor. After you collect a legal name and stable customer id, call the AML screening API, store the screening id, and route AUTO_CLEAR, REVIEW, or CONFIRMED into onboarding. Optional identity fields improve matching; they do not replace your KYC provider.
Saudi and regulated products
Local policy still owns which documents you collect and how long you keep them. Use Naiza for watchlist results and fraud events. Do not treat a screening outcome as a substitute for your written KYC program.
Frequently asked questions
Short answers written so search and answer engines can cite them.
What does KYC stand for?
KYC means Know Your Customer: collecting and verifying identity so you know who you are onboarding.
Is an AML screening API a KYC solution?
No. Screening checks watchlists. KYC verifies identity. Naiza’s AML API is the screening step you call with the identity you already collected.
When should KYC and screening run?
Most teams collect core identity first, screen synchronously before activating the account, then re-screen when lists change or a payment counterparty appears.