KYC and AML software · Luxapps KYC

Your KYC, automated end to end. AI handles it, you decide.

Luxapps KYC is the KYC and AML software for obliged entities: onboarding, beneficial owners, PEP and sanctions screening, risk scoring, periodic reviews and identity document renewal, in a single tool built to measure and plugged into your software. Luxgap AI, the sovereign Luxembourg AI, does the checking work in place of your teams; Luxgap secures the platform and monitors it around the clock. Priced per file, unlimited users.

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Luxapps KYC dashboard: files to follow up sorted by risk, pre-analysed alerts and the work done by Luxgap AI during the week

Fictitious demonstration data. Click to discover every screen of the software.

Main features

What the software actually does.

Online onboarding

Your clients build their file from their phone, in your colours: identity verified with itsme, LuxTrust or a passport chip reading with a video selfie, source of funds, qualified electronic signature. For a company, directors and articles from the RCS, beneficial owners from the RBE, from the company number alone.

Identity documents renewed without you

The tool tracks the expiry date of every document: clients, directors, beneficial owners, proxies. Before the deadline, it asks the client to renew it from their mobile app; Luxgap AI reads and checks the new document, then updates the file and your CRM. Where a typical tool flags an expired document, Luxapps KYC gets it replaced.

Beneficial owners reconstructed

Holdings, funds, fiducies, trusts, nominees: the tool follows every branch, calculates direct and indirect holdings and identifies the beneficial owners, including those who control by other means and every party to a trust. Mismatches with the RBE are flagged, ready to report.

PEP and sanctions screening, alerts already analysed

EU, UN, US, UK and Swiss sanctions, politically exposed persons and adverse media: the whole portfolio is checked again at every list update. Luxgap AI pre-analyses every match and explains why it is, or is not, the right person; your analyst decides.

Document checks by AI

Register extracts, articles, identity documents, proofs of address: Luxgap AI reads them, extracts the data and cross-checks it with each other and with the registers. Missing documents requested from the client, inconsistencies flagged, KYC memo drafted and ready to approve.

Risk score, reviews and audit

The score applies your acceptance policy, factor by factor, and sets the review frequency. Periodic reviews prepared thirty days before the due date, timestamped audit trail, file exported as a signed PDF for the auditor, goAML suspicious activity report pre-filled for the FIU.

Plugged into your tools, both ways

Documented REST API and webhooks for software that supports them, scheduled file exchanges over SFTP for the rest, Microsoft 365 for SharePoint, Teams and Outlook. Client record, KYC status, risk level, review date and documents flow without re-keying. The connection is built and tested during the project, included in the price.

Security and sovereignty

Files hosted in Luxembourg by LuxOps, AI on Luxgap servers in Luxembourg: no US provider, out of reach of the CLOUD Act. Mandatory two-factor authentication, TLS 1.3, documents encrypted at rest, role-based rights, 24/7 monitoring by LuxGap SOC.

Use cases

Who it is for, and in what context.

Banks and PSFs: retail and institutional clients, counterparties.

Funds and management companies: investors, beneficial owners, distributors.

Fiduciaries, domiciliation agents and family offices: settlors, beneficiaries and administered companies.

Insurers: policyholders and designated beneficiaries.

Crypto-asset service providers: clients and transfers, travel rule included.

Lawyers, notaries, accountants, auditors and real estate agents subject to anti-money laundering law.

Regulatory compliance

The Luxembourg and European framework, kept up to date.

  • AML/CFT Law of 12 November 2004: due diligence, enhanced due diligence, document retention five years after the end of the relationship, extendable.
  • CSSF Regulation 12-02: approval workflow of the front office, the compliance officer (RC), the responsible manager (RR) and management.
  • Law of 13 January 2019 (RBE): register consultation and reporting of the discrepancies found.
  • AMLR (EU) 2024/1624, applicable from 10 July 2027: changes are built in by our teams, included in the subscription.
  • GDPR: no automated adverse decision (Article 22), logged retention and deletion.
  • eIDAS: qualified electronic signature and qualified timestamping of files.
Architecture · Hosting

Technical stack and data sovereignty.

Luxapps KYC is built to measure by Luxapps, on the proven foundation of its platforms, hosted in Luxembourg by LuxOps, secured, monitored around the clock and kept compliant by Luxgap. Luxgap AI means open-source models hosted and operated by Luxgap on its own servers in Luxembourg: nothing is handed to OpenAI or to any US provider. For firms bound by professional secrecy, the model can run on your own infrastructure, with no outbound call.

The tool plugs into your software: core banking (Avaloq, Temenos and others), CRM (Salesforce, Dynamics 365, HubSpot), accounting, domiciliation or fund administration software, Microsoft 365, document management, LuxTrust and itsme signature, Microsoft Entra ID sign-in. It queries sanctions lists, politically exposed persons, the press, the RCS and RBE, the LEI register, European registers and Companies House, and your World-Check, Dow Jones or LexisNexis subscription if you have one.

FAQ

Frequently asked questions

Where can I see the software in detail?
On its presentation page, Luxapps KYC: every screen as a screenshot, integrations, security, pricing and the demo request.
How much does it cost?
A base price for the needs assessment, then a fixed monthly fee based on the number of active client files you follow, in tiers. Users, screenings, AI checks and document renewals are unlimited within your tier: a company and its five beneficial owners count as one file, not six names, and a closed file no longer counts. Commercial databases (World-Check, Dow Jones, LexisNexis) stay on your own subscription.
How are expired identity documents renewed?
Before the deadline, at the notice you set, the client receives a request in their mobile app, with automatic reminders. They read the chip of their new document or take a photo of it, take a selfie, and Luxgap AI checks the document before updating the file. Your teams are only involved if something is wrong or the client does not reply.
Can the AI reject a client on its own?
No. Luxgap AI does the checking work and proposes, with its sources; a person in your team decides. No adverse decision is automated, in line with Article 22 of the GDPR. Proposals and decisions are recorded in the audit trail.
Where is our data?
Your files are hosted in Luxembourg by LuxOps, and Luxgap AI runs on Luxgap servers in Luxembourg, out of reach of the CLOUD Act. LuxGap SOC monitors the platform around the clock. Only the queries to the services you enable (commercial databases, foreign registers, identity verification) send them the data they need.
Why a tailor-made tool rather than an off-the-shelf product?
Many off-the-shelf tools stop at checking an identity document and querying lists. They know little about the RBE and Luxembourg structures, ignore your procedure and are priced per user, per name checked or per screening. Luxapps KYC starts from your procedure, covers the whole KYC cycle, plugs into your software and is priced on the number of files you follow.
Combine with

Our complementary services.

See Luxapps KYC on your own cases.

Every screen, the integrations, security and per-file pricing on its presentation page; a thirty-minute demo on files like yours.

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