Banks, finance companies, microfinance institutions and buy-now-pay-later platforms run an enormous volume of transactions under strict regulatory oversight. Wthaiq brings it all together in a single flow integrated with your systems: identity verification at account opening — the highest the platform provides by itself (AES) — plus support for qualified signing (QES) using the client's own token and certificate from a licensed certification authority for high-value finance contracts, and permanent legal standing.
In the finance sector, it is not enough for the customer to sign; you have to prove their identity, your contracts have to withstand any challenge, and you have to keep a full regulatory trail of every step. Paper tools and basic signatures leave gaps in legal standing and compliance that cost finance institutions dearly.
Every new account requires know-your-customer procedures and simultaneous signatures. Separating verification from signing slows activation and opens the door to impersonation and document tampering.
Financing, guarantee and surety contracts move large sums. Any weakness in proving the signer or the integrity of the copy leaves the obligation open to denial before the courts and regulators.
Regulators demand precise tracking of every signature and approval. Without a single time-stamped audit trail and a completion certificate for each contract, any regulatory review turns into a heavy operational burden.
From the account opening form through to the signed and archived financing contract — every document in the sector passes through the right layer of verification, signing and authentication.
Identity verification (KYC) is built into the account opening flow itself: the customer verifies their identity with an official document and a live face match before they sign, so every signature is tied to a verified person, not merely to a name typed into a form.
Account opening forms · KYC formsFor high-value finance, loan and guarantee contracts, the authorised signatories sign with a qualified electronic signature using a token they hold themselves, carrying a certificate from a licensed certification authority they deal with directly — we do not issue that certificate; our role is to embed the signature in the file and preserve it. The highest we offer by ourselves is the advanced signature (AES) with identity verification.
Financing contracts · Guarantees and suretiesContracts are sealed in PAdES format up to long-term archiving level (LTA), with timestamps and embedded revocation data — so the validity of the signature stays provable for many years after the moment of signing.
Financing contracts · disclosuresEvery event is recorded with its time: opening, verification, signing and delivery. Each contract is issued with a signed completion certificate and a SHA-256 cryptographic fingerprint, so you hold a complete proof file ready for any regulatory review.
Disclosures · All documentsData encrypted in transit with TLS 1.2+, a SHA-256 fingerprint for every document, fine-grained role permissions, and isolation of your organisation's data. The system is built to meet the security and compliance requirements of the most sensitive financial environments.
Governance · data protectionTrigger signing and identity verification straight from your core banking system or lending platform through the API and webhooks, so Wthaiq works quietly behind your flows without switching screens.
Core Banking · lending platformsOne connected flow that starts at account opening and ends with a financing contract signed and archived with full legal standing.
The customer completes the account opening form digitally, along with the required know-your-customer details, in a single flow.
The client authenticates their identity with an official document and a live face match, so every step that follows is tied to a verified person.
The contract is signed with identity verification (AES), or with a qualified QES signature using the client's own token for high-value contracts.
The contract is sealed in PAdES-LTA format with a completion certificate and a full audit trail, and stored ready for any review.
Six pillars that make Wthaiq the trusted choice for finance institutions that can afford no legal or regulatory gap.
Know-your-customer verification with an official document and live face matching ties every signature to a confirmed real person, cutting impersonation and fraud risk from the very first moment.
A qualified electronic signature using a token the client holds, carrying a certificate from a licensed certification authority they deal with directly — we do not issue it. The highest degree of legal standing, meant for finance and guarantee contracts that cannot tolerate any repudiation.
Accredited timestamps and revocation data embedded in the PAdES-LTA format keep the signature verifiable for many years, even after the original certificates have expired.
One unified timeline for every event in a contract's life, with a signed completion certificate and a cryptographic fingerprint — instant readiness for any regulatory review or court dispute.
A TLS-encrypted connection, fine-grained roles and permissions, and separation of each account's data. A security architecture built to meet the highest requirements of the financial sector.
An API and webhooks embed signing and identity verification into your core banking system or lending platform, so everything runs inside your existing flows with no friction.
We build identity verification into the account-opening journey itself, with no separate screens. The customer authenticates their official document and completes a live face match before signing. And we attach the verification report to the contract, so every later signature is tied to a confirmed person, not just data typed into a form.
A qualified signature is the highest level of legal standing for an electronic signature, and it is created with a token the signer holds themselves, carrying a digital certificate from a licensed certification authority they deal with directly — we do not issue it; we embed their signature in the file and preserve it. The highest we offer by ourselves is the advanced signature (AES) with identity verification.
PAdES is the signing standard for PDF documents, and LTA is its highest level for long-term archiving. The contract embeds accredited timestamps and revocation data, so the validity of the signature remains verifiable for many years, even after the original certificates have expired.
Every event is time-stamped: account opening, identity verification, signing and delivery, with a SHA-256 cryptographic fingerprint that reveals any later change. A signed completion certificate is issued for every contract, so you hold a complete evidence file ready for any regulatory review or court dispute.
Yes. Through the API and webhooks you trigger signing and identity verification directly from your core banking system or lending platform. And you receive live notifications of every contract's status. So the system runs behind your existing flows without changing the experience for your teams or your customers.
Data is encrypted in transit with TLS 1.2+, every document carries a SHA-256 fingerprint that reveals any change, permissions are set by role, and each organisation's data is isolated separately. We do not claim encryption at rest. And verification data is used for nothing but proving identity for the contract.
Start by linking identity, signature and legal standing in a single flow — from account opening through to long-term archiving. Our team is ready to design the right integration for your organisation.