Inyo360
Agentic KYC and payment verification. A specialized agent orchestration layer analyzes hundreds of variables in real time, informed by decades of Inyo’s regulatory and operational experience — through one simple SDK.
Inyo360 has entered the agentic era. The product evolved from a set of KYC and payment-verification APIs into an agent orchestration layer built specifically for identity and verification work — multiple specialized agents working in parallel on every onboarding, every funding event, every high-risk payout. The result is a robust framework that decides faster, with fewer false positives, on signals a single linear pipeline would miss.
The foundation is experience. Inyo has spent years moving money across regulated corridors and absorbing the regulatory feedback that comes with it. That accumulated context shapes how the agents are designed and operated, so the orchestration is informed by the realities of running a regulated payments business — not a generic identity SaaS pasted onto a payment stack.
Specialized agents, working in parallel
Every case is analyzed by a coordinated set of agents simultaneously — not a brittle linear pipeline. Hundreds of variables, structured findings, a decision in real time.
Agentic KYC
Agentic KYC, available today
Traditional KYC is a brittle waterfall: capture, OCR, screen, queue, review. A document gets stuck in OCR; a fuzzy sanctions hit becomes a manual ticket; the customer waits. Inyo’s Agentic KYC replaces that waterfall with a coordinated set of specialized agents working in parallel on every case — document, biometric, identity, watchlist, payment-instrument, behavior — each evaluating its share of the picture and surfacing the result to a decisioning layer that resolves the case in real time.
In aggregate, hundreds of variables are analyzed simultaneously: document authenticity signals, liveness and biometric match scores, identity coherence across sources, sanctions and PEP exposure, device and behavioral risk, payment-instrument validity. The agents return structured, auditable findings — not opaque scores — so your team can see exactly why a case was approved, challenged, or escalated.
Built on decades of regulatory feedback
The agent set isn’t generic; it’s shaped by what Inyo has learned operating across regulators, networks, and corridors. Years of regulatory examinations, network audits, and edge-case escalations inform what the agents look for and how they weigh signals. New regimes and new mandate edges feed back into the orchestration layer continuously, so the framework evolves with the rules — not against them.
KYC, end to end, in one SDK
Identity capture, document verification (passports, IDs, proof of address), biometric matching where the regime requires it, and sanctions / PEP screening run through a single API surface. The SDK handles the front-end capture flow so your team isn’t rebuilding camera handling and OCR per platform — and the agentic layer runs behind it, transparent to your integration.
Payment verification at the rail level
Account ownership checks, BIN validation, card-status verification, and bank-account verification (where local rails support it) are part of the same agentic surface. The orchestration layer decides whether a payment instrument should proceed, be challenged, or stop — before the transaction is dispatched. Combine that with identity-side signals from the same record, and you get verification that reflects the whole customer, not isolated checks.
Built to fit the payment flow
Inyo360 composes with Inyo Gateway: verify identity at onboarding, re-verify at first AFT, run payment-instrument checks before a high-value OCT — the same identity record carries through, and the agentic layer keeps watching as the relationship evolves. Helpful context: the KYB onboarding guide.
Frequently Asked Questions
What is Inyo360?
Inyo360 is Inyo’s KYC and payment-verification product, powered by Agentic KYC: a specialized agent orchestration layer that analyzes hundreds of identity, document, biometric, watchlist, payment-instrument, and behavioral variables in real time. It is exposed through a single SDK that covers capture, verification, and decisioning.
What does "Agentic KYC" actually mean?
It means KYC decisioning is run by a coordinated set of specialized agents working in parallel on every case — one per concern area (document, biometric, identity, watchlist, payment instrument, behavior) — rather than a single linear pipeline. Each agent returns structured, auditable findings; a decisioning layer resolves the case in real time.
How is the orchestration "informed by experience"?
The agent set is shaped by years of Inyo operating across regulated corridors — including regulatory examinations, network audits, and edge-case escalations. That accumulated feedback informs what the agents look for and how they weigh signals, and new regulatory inputs feed back into the orchestration continuously.
Is Agentic KYC live in production today?
Yes. Agentic KYC powers Inyo360 in production today, and the agent set continues to grow with regulatory and operational feedback.
Can I use Inyo360 without Inyo Gateway?
Yes. Inyo360 is designed to compose with Inyo Gateway, but it works standalone for any flow that needs identity or payment-instrument verification.
Does Inyo360 give me a UI or just APIs?
The Inyo360 SDK provides front-end capture flows (camera handling, OCR, biometric capture) plus the back-end APIs, so you do not have to rebuild the identity-capture UX yourself. The agentic decisioning runs behind the SDK and is transparent to your integration.
Related reading
Inyo Compliance — Agentic Compliance
The agentic counterpart on the AML and monitoring side: specialized agents analyzing the transaction stream in real time, with audit-ready output.
KYB Onboarding for Payment Platforms
Beneficial ownership verification, sanctions screening, automated KYB, merchant risk scoring, and ongoing monitoring.
Agentic KYC, one SDK away
Talk to the Inyo team about Inyo360 for your onboarding and transaction-verification flows.
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