01ATTOH · financepartial

KYB Onboarding & Due Diligence (sold to banks, exchanges and EMIs)

Onboarding due diligence that goes deeper than a bank KYC - beneficial ownership resolved to real people, trading activity corroborated, and the risks a compliance team would only find by hand.

Live · portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html£149 a month12 parts · 2 probe-verified

ATTOH LTD (Companies House 14079382)portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html

02What it is

The facts, from the register.

Product	KYB Onboarding & Due Diligence (sold to banks, exchanges and EMIs)
Register key	kyc-onboarding-dd
Owner	ATTOH LTD (Companies House 14079382)
Live at	portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html · HTTP 200 on 9 September 2026
Price	£149 a month · [object Object]
Built from	12 register parts, 8 live, 2 probe-verified
Listed	14 August 2026

What it does

Onboarding due diligence that goes deeper than a bank KYC - beneficial ownership resolved to real people, trading activity corroborated, and the risks a compliance team would only find by hand.

Runs on

DB Pay / FT Pay — SME KYB onboarding intake

OpenSanctions (global sanctions+PEP)

Watchman sanctions screen (self-hosted, licence-clean)

KYB/KYC due-diligence engine (25 checks, 3 tiers)

Source: estate register (products, product_parts, builder_blocks) · deploy probe 9 September 2026Evidence live

03The frameWhat this buyer's profession checks

We will measure it against the FCA Consumer Duty.

Three checks a buyer in this field applies, whether or not they name the standard. We use them as the frame for everything that follows.

Check 1

Products that deliver good outcomes

Check 2

Fair value shown, not asserted

Check 3

Customers able to understand what they bought

Frame chosen by BRG as a summary of the FCA Consumer Duty. Verify the wording with the body before external use.No accreditation is claimed

04Why it's better · 1 of 6Check 2 · fit for purpose

The job as the register describes it.

Beneficial ownership checks stop at a corporate shareholder, so compliance signs off on a structure it cannot actually see through.

Source: register pain_pointThe problem, stated plainly

05Why it's better · 2 of 6Check 2 · fit for purpose

What it does instead.

Onboarding due diligence that goes deeper than a bank KYC - beneficial ownership resolved to real people, trading activity corroborated, and the risks a compliance team would only find by hand.

The parts doing the work

DB Pay / FT Pay — SME KYB onboarding intake

Premium "better-than-a-bank" redesign + fix of a submit-blocking bug where the three company-document uploads were never bound (bindUploads only ran o

OpenSanctions (global sanctions+PEP)

Consolidated OFAC/EU/UN/UK sanctions + PEPs + crime, global. #1 wire: lights up deal_counterparty sanctions/pep (blank today).

Watchman sanctions screen (self-hosted, licence-clean) verified

Self-hosted moov-io/watchman (Apache-2.0) over the issuing bodies own lists. Jaro-Winkler + libpostal name matching behind GET /search?q=&limit=&minMa

KYB/KYC due-diligence engine (25 checks, 3 tiers)

One company number in, a graded due-diligence result out: 25 checks across three sellable tiers (T0 bank baseline, T1 deep DD, T2 maximum depth) over

Source: register purpose, public_blurb, product_parts joined to builder_blocks4 of 12 parts shown

06Why it's better · 3 of 6Check 1 · controls

Proof it exists, not a roadmap.

200

HTTP status of portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html on 9 September 2026 · real-content-verified

2/12

parts wired live

readiness, register-computed

Open portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html during the talk. Anything the deck claims should be visible there.

Source: register deploy_probe_code, deploy_probed_at, product_parts.verified_by_probeProbed, not promised

07Why it's better · 4 of 6Against the market, honestly

Where we lead, and where we don't.

Category: finance. Nearest rivals: Manual in-house KYB checks, In-house KYB analyst + software subscription, Outsourced KYB agency, Standalone KYB software platform (e.g., ComplyAdvantage, LexisNexis Bridger Insight); strongest is Outsourced KYB agency. Our edge: We run the 25-check KYB onboarding via AI agents and deliver a ledgered report; you pay a monthly platform fee and per-report cost, with no software to operate or staff to hire. How we beat them: LinkedIn sponsored content, finance newsletters and compliance-focused email wedges: 'No software to operate, no staff to hire – just the completed KYB report'; hook: 'Get the applicant's beneficial ownership, trading status and director history checked for you.'. Source: product_market_analysis, analyst gtm-loop-worker; rivals re-checked against the product's own promise 2026-08-29.

Not independently sourced This verdict was written from an analysis whose only source was the model itself, not scraped competitors (analyst gtm-loop-worker). Treat the competitor names and positions as a working hypothesis until the market research is re-run; do not quote them to a buyer.

Source: register vs_competitionNamed competitors are the register's, not the presenter's

08Why it's better · 5 of 6Check 2 · fit for purpose

Built for one kind of buyer.

Not in the register yet an audience. This slide stays blank until the register carries it; nothing here is invented.

Source: register audience, serves_nichesOne buyer, not everyone

09Why it's better · 6 of 6Price is part of the scope

What it costs, in one line.

£149 a month

Basis: [object Object]

Buying route

Payment on enquiry

software

Scope named on the next slides, so the price has a boundary

Source: register price_gbp, billing_interval, pricing_basis, payment_link_activeNo hidden rate card

10What's inside

The parts, with their verification state.

Part	Category	State
DB Pay / FT Pay — SME KYB onboarding intake	full-stack	staged
OpenSanctions (global sanctions+PEP)	data	staged
Watchman sanctions screen (self-hosted, licence-clean)	backend	staged
KYB/KYC due-diligence engine (25 checks, 3 tiers)	backend	staged
KYB due-diligence API (the sellable endpoint)	backend	staged
KYC tenant + report registry (multi-tenant spine)	data	staged
Sanctioned + illicit crypto addresses	data	staged
Ongoing monitoring + change alerts	backend	staged
OFSI / HMT sanctions	data	staged
Counterparty Credit + Sanctions/PEP/UBO Panel	full-stack	staged

Source: product_parts joined to builder_blocks · 10 of 12 shown probe-verified not yet

11Why packaging matters

Bought as a price.
Delivered as a scope.

What the buyer hears

£149 a month

A number to compare with the last number.

the gap
disputes · churn
unpaid work

What the provider means

A scope

12 parts, some verified, some not, plus everything that is excluded.

Packaging is the instrument that makes the scope as visible as the price.Thesis

12Why packaging matters

Five things a package does that a price cannot.

Scope becomes visible. The parts are named, so nothing is assumed.

Boundaries are explicit. What is outside is written down before the first invoice.

It is auditable. A package is a documented process, which is what the FCA Consumer Duty looks for.

Buyers compare like for like. A referral needs a defined thing to refer.

Switching fear drops. The move is inside the package, not a project bolted on the front.

Source: BRG packaging doctrine; frame from slide 3Packaging = a compliance instrument

13This packageCut by what each part does

KYB Onboarding & Due Diligence (sold to banks, exchanges and EMIs), as a package.

full-stack

DB Pay / FT Pay — SME KYB onboarding intake

Premium "better-than-a-bank" redesign + fix of a submit-blocking bug where the three company-document uploads

staged

Counterparty Credit + Sanctions/PEP/UBO Panel

deal_counterparty wired to LIVE covenant_company (score/band by company_no) + sanctions/PEP/UBO. RPC add_count

staged

data

OpenSanctions (global sanctions+PEP)

Consolidated OFAC/EU/UN/UK sanctions + PEPs + crime, global. #1 wire: lights up deal_counterparty sanctions/pe

staged

KYC tenant + report registry (multi-tenant spine)

kyc_tenant (one row per buying institution: checklist, documents, branding, depth tier, risk thresholds, deliv

staged

Sanctioned + illicit crypto addresses

12,736 sanctioned/illicit crypto addresses across 7 chains (btc 11,786 / trx 802 / eth 124 / ltc 17 / xmr 3 /

staged

OFSI / HMT sanctions

Sanctions list — PROTECT screening. Wired.

staged

backend

Watchman sanctions screen (self-hosted, licence-clean)

Self-hosted moov-io/watchman (Apache-2.0) over the issuing bodies own lists. Jaro-Winkler + libpostal name mat

verified

KYB/KYC due-diligence engine (25 checks, 3 tiers)

One company number in, a graded due-diligence result out: 25 checks across three sellable tiers (T0 bank basel

staged

KYB due-diligence API (the sellable endpoint)

The endpoint a bank or exchange integrates against. POST a company number (plus the applicant declared figures

staged

Ongoing monitoring + change alerts

kyc_monitor + kyc_alert + kyc_company_fingerprint() + kyc_monitor_scan(), on a daily pg_cron. A tenant watches

staged

Source: product_parts grouped by builder_blocks.category3 groups

14Anatomy of the packageOn one page · 13 items of work left, filed

A package reads like a control document.

Inside the scope

Watchman sanctions screen (self-hosted, licence-clean)
data / kyc identity check ledger

Evidenced, and how

Live URL probed: HTTP 200 on 9 September 2026
2 parts probe-verified
Register row updated with every probe

Outside the scope today · work left

No build gap recorded in the register
10 parts still to verify by probe
3 register fields to fill (vs_competition_unsourced, audience, purpose)

Who signs, and where the work sits

ATTOH LTD owns the product and the data layer
0 build packets proposed · 13 management items pending
Change log kept in the register

Source: product_parts (inside), deploy and part probes (evidenced), v_deck_work_left (work left; filed to manager_work and build_packets by deck_work_left_sync)One page

15Across the family

Where it hands over.

A1 Elitea1elite.pages.dev

Accounts & Filingattoh.tech/accounts-law/

AddressSnapattoh.digital/snap/addresssnap/

ATTOHKYB Onboarding & Due Diligence (sold to banks, exchanges and EMIs)portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html

AIEmploymentattoh.tech/aiemployment/

AIFreightaifreight.uk

AITransportaitransport.uk

Source: register rows sharing client_key attohOne house, many doors

16Close

Three things to take back to your desk.

One

Open the URL on slide 6. Test it before you trust it.

Two

The parts and their verification state are on slide 10.

Three

A package is a compliance instrument, not a price list.

See it live

portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html

Talk to us

via portal.smegrowthteam.com/tools/dbpay-ftpay-onboarding.html

ATTOH LTD (Companies House 14079382)ATTOH

1 / 16

Arrow keys or space · N narration · P print

Slide 1Narration Words Running total

Item	Spec
Format	16:9, 1920×1080, 25 fps, H.264 MP4 plus WebM. Burned captions and a sidecar SRT.
Runtime	Narration below plus screen captures of the live product; typically 8 to 12 minutes.
Frame	the FCA Consumer Duty. Verify the wording of the three checks with the body before external use.
Brand	ATTOH family palette as rendered here. Green only for verified and live states; red only for exclusions.
Voice	Calm, exact, never theatrical. Read figures and dates in full. Numbers are the register's, and the register is cited on every slide.

KYB Onboarding & Due Diligence (sold to banks, exchanges and EMIs)

The facts, from the register.

We will measure it against the FCA Consumer Duty.

Products that deliver good outcomes

Fair value shown, not asserted

Customers able to understand what they bought

The job as the register describes it.

What it does instead.

DB Pay / FT Pay — SME KYB onboarding intake

OpenSanctions (global sanctions+PEP)

Watchman sanctions screen (self-hosted, licence-clean) verified

KYB/KYC due-diligence engine (25 checks, 3 tiers)

Proof it exists, not a roadmap.

Where we lead, and where we don't.

Built for one kind of buyer.

What it costs, in one line.

The parts, with their verification state.

Bought as a price.Delivered as a scope.

What the buyer hears

What the provider means

Five things a package does that a price cannot.

KYB Onboarding & Due Diligence (sold to banks, exchanges and EMIs), as a package.

DB Pay / FT Pay — SME KYB onboarding intake

Counterparty Credit + Sanctions/PEP/UBO Panel

OpenSanctions (global sanctions+PEP)

KYC tenant + report registry (multi-tenant spine)

Sanctioned + illicit crypto addresses

OFSI / HMT sanctions

Watchman sanctions screen (self-hosted, licence-clean)

KYB/KYC due-diligence engine (25 checks, 3 tiers)

KYB due-diligence API (the sellable endpoint)

Ongoing monitoring + change alerts

A package reads like a control document.

Inside the scope

Evidenced, and how

Outside the scope today · work left

Who signs, and where the work sits

Where it hands over.

Three things to take back to your desk.

One

Two

Three

Production guide

1 · Deliverable

2 · Runtime plan

3 · Screen captures

4 · Full narration

5 · What this deck must not say

6 · Regenerate

Bought as a price.
Delivered as a scope.