Where each tool fits

    Compare AML providers - and see where WhyAML fills the gap

    Different tools handle different cases. SmartSearch, Thirdfort, Credas and others do document-based verification well. WhyAML's Witness Model adds the cases they can't reach - clients who won't or can't send a passport.

    No passport uploadsNo selfie requiredNo app downloadNo contract
    90%
    Faster than
    document-based
    £6
    per verification
    credit, no contract
    Zero
    Documents
    collected
    Side by side

    Full Provider Comparison

    9 features · 7 providers · different methods, different strengths. See which combination fits your firm.

    FeatureSmartSearchThirdfortCredasXamaVeriphyAMLCCWhyAML
    Documents requiredYesYesYesYesYesYesNo
    Selfie / livenessYesYesYesYesYesN/ANo
    App downloadNoYesYesNoNoNoNo
    Price per check£15-25£20-30£12-20£10-18£8-15Platform*50% less
    Contract requiredYesYesYes~Varies~VariesYesNo
    PII stored by youFullFullFullFullFullFullZero
    Perpetual KYCNoNoNoNoNoNoYes
    CARF-readyNoNoNoNoNoNoYes
    AI-resistantNoNoNoNoNoNoYes
    Where WhyAML fits
    Adds what the others can't reach
    Different tools, different jobs. WhyAML covers the clients document checks can't.
    See what WhyAML adds alongside
    WhyAML
    SmartSearch
    Documents required
    ✓ No
    ✗ Yes
    Selfie / liveness
    ✓ No
    ✗ Yes
    App download
    ✓ No
    ✓ No
    Price per check
    50% less
    £15-25
    Contract required
    ✓ No
    ✗ Yes
    PII stored by you
    Zero
    Full
    Perpetual KYC
    ✓ Yes
    ✗ No
    CARF-ready
    ✓ Yes
    ✗ No
    AI-resistant
    ✓ Yes
    ✗ No

    * AMLCC is a compliance management platform - does not perform identity verification itself. Data accurate as of April 2026.

    Where WhyAML fits

    Four cases your current AML stack can't reach

    If you already have a verification provider, here's where WhyAML works alongside it - for the clients and scenarios document-based tools struggle with.

    No passport collection - institutional verification instead of document scans
    Method · Zero docs

    We don't ask for passports.

    0documents collected
    No PII storage means no breach liability - there's nothing to steal
    Data · Zero PII

    If we don't store it, no-one steals it.

    0PII stored
    CARF reporting deadline - first reports due May 2027
    Tax · CARF-ready

    Built for the May 2027 deadline.

    May 2027first CARF reports due
    Behavioural analysis tracks wallet activity over time - cannot be deepfaked or synthesised
    Tech · AI proof

    Behaviour can't be deepfaked.

    0selfies needed
    Where document checks struggle

    The cases document tools struggle with

    The friction points document-based verification keeps running into - and the cases WhyAML's approach is built to handle.

    Ready when you are

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    No contract. No documents. No liability.

    A professional comparing AML providers
    Data accurate as of April 2026. Friction points are drawn from public user reviews of document-based verification tools. Pricing from official sources where available.