Sumsub has formed a partnership with Monavate to embed identity verification natively into Monavate’s MonavateOne platform.
The live integration allows programme managers using the MonavateOne platform to carry out full KYC checks on their end customers without leaving the Monavate environment. By building Sumsub’s verification engine directly into its API-driven onboarding workflow, Monavate removes the need for programme managers to independently source and maintain separate identity verification infrastructure, cutting operational complexity while strengthening compliance standards across its programmes.
As a regulated Electronic Money Institution (EMI), Monavate holds direct responsibility for overseeing KYC and ongoing monitoring for all customers onboarded through its programmes. The partnership with Sumsub addresses this obligation by ensuring verification is centrally governed and auditable, rather than loosely delegated, across every jurisdiction in which Monavate operates. Sumsub’s 2025-2026 Identity Fraud Report found an 180% year-on-year rise in sophisticated fraud attempts — attacks that combine synthetic identities, social engineering and device manipulation — underlining the urgency of robust, embedded verification for payments infrastructure providers.
The integration brings a broad set of verification capabilities to programme managers through a single onboarding flow. These include document validation covering more than 220 countries and territories, biometric liveness and video matching, applicant deduplication across programmes, European ETSI-compliant electronic signature checks, US Social Security Number verification, PEPs and sanctions screening with continuous monitoring, and adverse media checks. All capabilities operate natively within Monavate’s API without the need for third-party intermediaries.
Monavate provides regulated global payments infrastructure, offering programme managers access to card issuing and payments capabilities underpinned by its principal memberships across major card networks. Its MonavateOne platform is designed to give businesses a streamlined route to launching payment programmes while meeting regulatory obligations.
The integration is currently active across the UK and European Economic Area. Given Sumsub’s coverage of more than 220 countries and territories and over 14,000 document types, both companies said the partnership is built to scale in line with Monavate’s international licensing growth, with plans confirmed to broaden the scope of the collaboration.
Monavate general counsel David Nyamatore said, “As a regulated issuer, we have an obligation to ensure that every customer onboarded through our programmes is verified to the highest standard. Our integration with Sumsub delivers exactly that, not as an afterthought, but as a native part of how our platform operates. For our programme managers, this removes a significant layer of complexity. They get access to world-class identity verification infrastructure without needing to build or manage it independently. It is one of the ways we ensure that compliance is a competitive advantage for the businesses we support, not a bottleneck.”
Sumsub head of partnerships, EU/UK Tom Taraniuk said, “Payments infrastructure providers are under increasing pressure to ensure compliance is built in, not bolted on. Monavate’s approach – embedding verification as a native part of its platform rather than an optional layer – sets the industry standard for what regulated infrastructure should look like. Programme managers operating in complex, multi-jurisdiction environments need to know compliance is handled from the moment they go live. That’s what this partnership delivers. We look forward to expanding the scope of what we can deliver together as Monavate expands into new markets.”
Copyright © 2026 FinTech Global
