Digital onboarding, end to end.
VAO is a digital account-opening platform for banks and financial institutions — identity, verification, compliance, and account activation in one continuous flow.
Branch onboarding fails customers and regulators alike.
Customers expect to open accounts in minutes, on a phone, without paperwork. Regulators expect rigorous identity verification and complete audit trails. Branch-based onboarding fails both — slow and expensive for institutions, increasingly uncompetitive against digital-first entrants.
Application to activation, in one continuous flow.
VAO turns account opening from a multi-day branch workflow into a single digital journey: application, identity verification, compliance checks, decisioning, account creation, and activation. Customers complete onboarding in minutes. Institutions process them at a fraction of branch unit cost.
End-to-end coverage, vendor-flexible architecture.
End-to-end, not point
VAO covers the full lifecycle, application through activation. Most onboarding tooling addresses only one step.
Vendor-flexible
Integrates with the verification and compliance providers institutions already rely on. No vendor lock-in.
Engineered for scale and reliability
Built for institutions whose onboarding volumes are measured in tens of thousands per day, with zero tolerance for failure during campaign peaks.
Banks, fintechs, and digital-first financial institutions.
Institutions modernizing customer onboarding to compete with digital-native entrants — without giving up the audit and compliance posture regulators require.