Approval in seconds. Real-time blocking.
Configure complete journeys, from the first field to the risk decision, with no code.
From the first field to the decision. Everything configurable.
Two interaction modes
Traditional form or AI chat, at the customer’s choice.
Tailored journeys
Steps, fields, and validations configurable, no code required.
Automated decision
Score from 0 to 1000. Approve, reject, or send to the review desk, in real time.
Build the journey that fits your business.
Sequence of steps
Add, remove, or reorder steps without changing code.
Fields and validations
Tax IDs (CPF / CNPJ in Brazil, DNI / CUIT in Argentina), email, phone, masks, and per-step validations.
Conditional logic
Steps that appear or disappear based on previous answers.
Ready-to-use templates
| Template | Steps | Type |
|---|---|---|
| Individual (Full) | Personal data → Document + biometrics → Liveness → Proof of address → Risk score | Individual |
| Individual (Express) | Basic data → Document → Selfie with liveness | Individual |
| Business (Full) | Business tax ID (CNPJ / CUIT) + UBO → Individual KYC for each partner → Corporate documents → Revenue and bank accounts | Business |
| Business (Express) | Active business tax ID → Responsible partner → Essential documents | Business |
| Minor | Minor’s data → Legal guardian → Guardian’s document + biometrics → Verified relationship | Individual |
Native white-label: logo, colors, and messaging carry your brand. Your customer never sees Guardline.
Components that verify on their own. With guaranteed fallback.
Dynamic forms
Data collection through forms that adapt by registration type, risk profile, and journey.
Capture and classification
Capture of ID card, driver’s license, passport, or foreign-national ID with automatic classification.
AI OCR
Intelligent reading and interpretation of any document, structured or freeform, turning images into data ready for decisioning.
Liveness check
Detects live selfies and blocks deepfakes, static photos, and masks.
Facematch
Compares the captured selfie against the photo on the presented document.
Biometric bureaus
Matches the customer’s face against biometric databases to detect duplicates.
Document forensics
Authenticity analysis, document fraud detection, and signs of tampering.
Background check
Lookups against sanctions and watchlists, criminal records, and adverse media.
Communications
Email, SMS, and WhatsApp throughout the journey: signup links for responsible parties, status updates, pending items, and approvals.
ReKYC/KYB
Automatic recertification by risk tier, on-demand new biometrics or documents, and an expiration communication cadence.
If a verification fails, ONP automatically retries, falls back to an alternate partner, and as a last resort routes the case to the review desk.
Flexible partners: use partners already vetted by Guardline or integrate your own providers.
Protection against multiple devices opening accounts.
The same person opening dozens of accounts from a single IP or device is the classic synthetic fraud pattern. We detect it before the account even exists.
Device analysis considers risks such as:
- Jailbreak
- Root
- VPN usage
- Tor usage
- Emulators
- Manipulated environments
- Fraud signals associated with the device
- Technical inconsistencies
- IP Hub
- Device
- Under review
Every customer enters with a score. And that score follows them forever.
Score variables
Verifications, registration data, history, and device fingerprint.
Configurable thresholds
Define approval, rejection, and review-desk bands.
Aligned with Bacen Circular 3,978 (Brazil) / BCRA Communication A 7724 (Argentina) and Brazilian Law 9,613/98 / Argentine Law 25,246 (Anti-Money Laundering).
Individuals and businesses. Complete coverage.
KYC, Individual
Know Your Customer
Tax ID and personal data
Validated against official sources (CPF in Brazil, DNI / CUIL in Argentina).
Biometrics and liveness
Proof of life with facial comparison.
Document with OCR
Automatic extraction and validation.
Background and watchlists
PEP, sanctions, and restrictive lists.
KYB, Business
Know Your Business
Business tax ID and company data
National tax authority and commercial registries (CNPJ / Receita Federal in Brazil, CUIT / AFIP in Argentina).
Ownership structure
Partners and ultimate beneficial owners.
KYC of partners
Verification of each individual partner.
Ownership levels
Traverses the chain down to the ultimate beneficial owner.
Recursive KYB: we traverse every ownership level down to the ultimate beneficial owner and apply KYC at each one.
Want to build your ideal onboarding journey?
Book a demo and see ONP running with real-world scenarios.
- Demo tailored to your industry
- No commitment, fully free
- Response within 24 business hours