FIN∫EGRAL
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By the job — onboard a customer

You do not lose customers to competitors.
You lose them at step four.

Someone wanted your product enough to start. Then you asked for a utility bill in their name, a selfie in good light, and three days of patience. Ask the bank instead: identity, address, account ownership and ownership structure come back in one consented step, already matched.

Model your funnel Resolve an ownership chain
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The funnel, side by side

Every step you add is a step someone leaves at.

Click any step to see what it costs you. The two columns run the same applicants through a document flow and a connected flow — the difference at the bottom is the whole business case.

Document onboarding Uploads, review queue, micro-deposits {{ docSteps }} STEPS
Activated {{ docActivated }} Median time {{ docTime }} Spend wasted {{ docWaste }}
Connected onboarding One consent at the institution {{ connSteps }} STEPS
Returned in that one step
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Activated {{ connActivated }} Median time {{ connTime }} Spend wasted {{ connWaste }}
Your inputs Set your monthly applicants. These drop-off rates are the model's defaults — swap in your own and the arithmetic still holds.
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Who this step loses
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Business onboarding

The ownership chain, resolved rather than declared.

Asking a company to self-declare its beneficial owners is asking the one party with a reason to be vague. We resolve the chain, compute effective ownership through every layer, and show you what we could not see.

Meridian Trading Ltd · RC 1284471
Resolved chain

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Selected holder {{ nodeName }} {{ nodeKind }} {{ nodeEffective }} effective beneficial ownership How that was computed {{ nodeMath }} Checks run on this holder
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What we never ask for

Six requests that quietly exclude the customers you want.

Each of these is normal in onboarding, and each one is a wall for someone with a perfectly ordinary life. The bank already holds a better answer.

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Where documents break

Four ordinary situations that no upload flow survives.

Not edge cases. Each one describes tens of millions of people who currently cannot open an account with you.

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By the job you are doing

Onboarding is one job. Here are the others.

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Stop asking for what the bank already knows.

Consumer and business onboarding, identity through ownership chain, on one consented connection.