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KYC and due diligence
KYC files that keep themselves up to date
Verify the client, send your KYC questionnaire, score the risk and renew before the answers expire, all on one record per client in Trust Circle.
KYC add-on for Professional, €100 a month · Identity verification included, no fee per check
Answers scored: Medium · 34 points. Nothing to do.
- 1 · Request sent
- 2 · Answers in, scored
- 3 · Renewal sent
- 4 · Renewed
Customer KYC
DocuSign
DocuSign customers in German finance onboard clients fully remotely by combining a first bank transfer with a ZealiD qualified signature.
Meets German AML rules (GwG)
Your next audit
KYC by email works until the audit
The auditor asks
"Which version of the questionnaire did this client answer?"
By email
Fwd: passport + KYC form v2.docx
The questionnaire is a Word file.
Answers come back in different versions, by email, and nobody can say which one is current.
In Trust Circle
One questionnaire, versioned, answered on a secure page.
The auditor asks
"When does this client need to renew?"
By email
KYC renewals.xlsx · last edited 14 months ago
Renewal dates live in a spreadsheet.
Higher-risk clients need fresh data every year, and the reminder depends on one person.
In Trust Circle
Renewal requests go out by themselves, 30 days before expiry.
The auditor asks
"Can you show the answers from 2024?"
By email
Search: "KYC 2024" · 0 results
The old answers are gone.
You know the client was checked, but you can't show what they said, or when.
In Trust Circle
Every answer kept with its questionnaire version and date.
Questionnaires
Your questionnaire, your rules
Start from the standard template, the simplified template, a blank form or a copy of an existing one. Edits stay in draft until you publish a new version. Requests already sent keep the version they were sent with.
- PEP questions with follow-ups only when the client answers yes
- Sanctions declarations from the client
- A staff-only section for your screening result
Try it · example answers
Recommended: Review the answers and record your screening result before onboarding.
Risk scoring
A risk level, not just answers
Points per answer and per country list give Low, Medium, High or Do not proceed, with a recommended action for each level. A sanctions answer can be set to stop onboarding.
Points in the example are for illustration. You set the points for your own questionnaire.
People directory
One record an auditor can read
Every client in your People directory shows their KYC status, the questionnaire version they answered, the risk level and the date their answers run out. Download each person's history. When you publish a new version, ask everyone on the old one to answer again.
Clear boundaries
What Trust Circle does, and what stays with you
Trust Circle handles
- Consent firstNothing is shared without the client's consent. A request with no answer expires after 30 days.
- Access inside your firm onlyThe Owner, Admins and Users of your business account see KYC data. External members of your Trust Circles never do.
- Questionnaires, scoring and renewalVersioned questionnaires, a risk level with a recommended action, and renewals on your schedule.
- A record you can showStatus, version, risk level and history for every client, ready to download.
What stays with your firm
- Live list screeningSanctions and PEP screening against live lists runs in your screening tool. You record the provider, the lists checked and the result in Trust Circle.
- The risk decisionTrust Circle gives a score and a recommended action. Enhanced due diligence and sign-off on high-risk clients remain your call.
- Company ownershipThe questionnaire is built for natural persons. Beneficial ownership checks follow your own process.
Preparing for the EU AML Regulation? It applies from 10 July 2027. See how Trust Circle maps to AMLR, article by article.
Trust Circle and AMLR →Pricing
KYC on the plans built for firms
Professional + KYC add-on
€119.20 a month, billed yearly
+ €100 a month for KYC
- Up to 10 users
- 75 QES a month
- KYC questionnaires, risk scoring and automatic renewal
Identity verification is included in every plan, with no fee per check. See all plans →
For your IT and security review
Answers your security team will ask for
Your clients' KYC data sits with ZealiD AB, a Qualified Trust Service Provider under eIDAS. That status is public and independently audited, so your IT team can confirm it without taking our word for it.
- Listed on the EU Trusted List under Sweden
- Supervised by the Swedish Post and Telecom Authority (PTS)
- Audited every year by two accredited bodies, TÜViT and SRC Security
- Documents stored in Stockholm, EU
- Client consent recorded
ZealiD AB
QUALIFIED TRUST SERVICE PROVIDER
Put your next client through KYC in Trust Circle
Verify once, send your questionnaire, and let renewals run on schedule.
FAQ
Questions about KYC in Trust Circle
What data does a KYC request include?
The client's general identity information, the picture of their ID document and their biometric picture, plus their answers to your questionnaire. You can download each one separately or all together.
Can a client decline?
Yes. Nothing is shared without the client's consent. You can send a new request later. A request with no answer expires after 30 days.
Who in my firm can see the data?
The Owner, Admins and Users of your business account. External members of your Trust Circles never see it.
Can we use our own questionnaire?
Yes. Start from the standard template, the simplified template, a blank form or a copy of an existing one. Edits stay in draft until you publish a new version, and requests already sent keep the version they were sent with.
Does Trust Circle screen clients against sanctions lists?
Not itself. The client answers sanctions declarations, and your staff record the screening provider, lists checked, match result and reviewer in a section the client never sees.
How often do clients renew their answers?
You pick a renewal period for each questionnaire: 6, 12, 24 or 36 months. Trust Circle sends the next request 30 days before the answers expire. Under AMLR, client information must be updated at least every year for higher-risk clients and every 5 years for everyone else.
Which plans include KYC?
The Professional plan, with the KYC add-on at €100 a month. On Enterprise, KYC is part of a custom plan. See plans.
Does identity verification cost extra?
No. Identity verification is included in every plan, from Micro to Enterprise, with no limit on how many clients you verify. Your client doesn't pay anything either.
More questions? See all answers on ZealiD Answers →