BaFin's KWG and the GwG (Geldwäschegesetz, Germany's AML act) require documented customer due diligence for all regulated entities. FlowAI extracts data from German Personalausweis and passports, runs EU and OFAC sanctions checks, and delivers APPROVE/ESCALATE/REJECT with a GDPR-compliant audit trail in under 3 seconds.
The Geldwäschegesetz (GwG) requires identity verification, UBO identification, and ongoing monitoring. GwG § 10 sets out general due diligence obligations; § 15 sets out enhanced due diligence for high-risk scenarios. FlowAI's risk model maps directly to these — low-risk triggers simplified CDD, high-risk triggers § 15 EDD escalation.
German supervisory authorities (BfDI, LfDI) apply GDPR rigorously. FlowAI processes applicant data under Article 6(1)(c) (legal obligation) for AML purposes. Data minimization and purpose limitation are built in — we don't store raw document images beyond the GwG audit retention requirement.
German Personalausweis (national ID card) and Reisepass data is extracted via OCR. EU consolidated sanctions lists (maintained by the European External Action Service) run alongside OFAC for German fintechs with US exposure. One API call covers both EU and international screening requirements.
Run a German applicant scenario — Personalausweis document type, EU + OFAC sanctions, GwG-aligned risk scoring.
Pick a scenario. Hit run. See exactly what the agent decides — and why.
| Provider | Cost per review | Monthly cost (20K) | Annual cost |
|---|---|---|---|
| Manual compliance analyst (DE) | €12–20 (~$13–22) | $260,000–440,000 | $3.12M–5.28M |
| IDnow | €4–8 (~$4.40–8.80) | $88,000–176,000 | $1.06M–2.11M |
| Jumio | $3.00–5.00 | $60,000–100,000 | $720K–1.2M |
| Veriff | $2.00–4.00 | $40,000–80,000 | $480K–960K |
| Persona | $2.00–4.00 | $40,000–80,000 | $480K–960K |
| Sardine | $1.50–3.00 | $30,000–60,000 | $360K–720K |
| FlowAI Starter | $0.025 | $499/mo flat | $5,988 |
At 20K reviews/month, FlowAI is 99%+ cheaper than German-standard compliance tooling.
Yes. GwG § 8 requires documentation of CDD measures for at least 5 years. FlowAI stores every triage event with a unique case_id, timestamp, decision, risk score, and document reference — accessible on demand. For BaFin audits, you can export the full event log in structured JSON or CSV format.
Schufa data provides creditworthiness signals useful for risk profiling. While FlowAI's core triage focuses on identity verification and AML screening, the ESCALATE response can include a webhook trigger to pull Schufa risk signals for enhanced CDD workflows. Integration is via your existing Schufa API contract — FlowAI orchestrates the decision, not the data pull.
Germany's BaFin has specific guidance on video identification (VideoIdent) as an alternative to in-person KYC. FlowAI complements VideoIdent providers — you run the video session for identity capture, FlowAI handles the downstream AML screening, risk scoring, and audit trail. FlowAI doesn't replace a BaFin-approved VideoIdent provider but integrates directly via API after the capture step.
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